Can I retire at age 45 with 436,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$36,004$35,684$35,371$35,065$34,767$34,093
2 years$17,824$17,492$17,170$16,858$16,556$15,879
3 years$11,765$11,431$11,110$10,801$10,504$9,846
4 years$8,736$8,403$8,085$7,782$7,491$6,858
5 years$6,919$6,588$6,275$5,977$5,695$5,087
6 years$5,708$5,380$5,071$4,780$4,506$3,924
7 years$4,843$4,518$4,214$3,930$3,665$3,109
8 years$4,195$3,873$3,574$3,297$3,040$2,511
9 years$3,691$3,372$3,078$2,808$2,560$2,057
10 years$3,288$2,972$2,684$2,421$2,181$1,704
11 years$2,959$2,646$2,363$2,107$1,876$1,424
12 years$2,684$2,375$2,097$1,848$1,626$1,197
13 years$2,453$2,146$1,873$1,631$1,418$1,013
14 years$2,254$1,951$1,683$1,448$1,243$861
15 years$2,082$1,782$1,520$1,291$1,094$734
16 years$1,932$1,635$1,378$1,156$967$628
17 years$1,799$1,506$1,254$1,039$858$539
18 years$1,681$1,391$1,144$936$762$464
19 years$1,576$1,290$1,048$846$680$400
20 years$1,482$1,198$962$766$607$345
21 years$1,396$1,116$884$695$543$298
22 years$1,319$1,042$815$632$487$258
23 years$1,248$974$753$576$437$223
24 years$1,184$913$696$525$393$194
25 years$1,124$857$645$480$354$168
26 years$1,069$805$598$439$318$146
27 years$1,019$758$555$401$287$127
28 years$972$714$516$368$259$110
29 years$928$674$480$337$234$96
30 years$888$636$447$310$211$83
31 years$850$601$417$284$191$72
32 years$814$569$389$261$173$63
33 years$781$539$363$240$156$55
34 years$750$511$340$221$142$48
35 years$720$484$317$203$128$42
36 years$692$460$297$187$116$36
37 years$666$437$278$173$105$32
38 years$642$415$260$159$96$27
39 years$618$395$244$147$87$24
40 years$596$376$229$135$79$21
41 years$575$357$214$125$71$18
42 years$555$340$201$115$65$16
43 years$536$324$189$106$59$14
44 years$518$309$177$98$53$12
45 years$501$295$166$91$48$10
46 years$484$281$156$84$44$9
47 years$469$268$147$77$40$8
48 years$454$256$138$72$36$7
49 years$439$245$130$66$33$6
50 years$426$234$122$61$30$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $436,000, adding $5,844 every year, while hoping to spend $31,218 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 65/20/15 Blend
44$436,000$436,000$436,000$436,000
45$486,500$463,392$456,634$516,000
46$502,907$452,883$438,716$525,954
47$519,942$440,812$419,151$532,675
48$537,635$427,070$397,851$539,251
49$556,019$411,542$374,724$545,667
50$575,130$394,105$349,675$551,908
51$595,006$374,629$322,602$557,958
52$615,688$352,977$293,400$563,802
53$637,218$329,003$261,959$569,422
54$659,645$302,555$228,165$574,805
55$683,019$273,470$191,899$579,931
56$707,393$241,576$153,034$584,787
57$732,827$206,693$111,440$589,354
58$759,383$168,629$66,981$593,618
59$787,130$127,182$19,515$597,562
60$816,142$82,138$0$601,172
61$846,497$33,272$0$609,418
62$878,283$0$0$620,959
63$911,592$0$0$637,008
64$946,526$0$0$661,528
65$983,195$0$0$687,276
66$1,021,718$0$0$714,334
67$1,062,225$0$0$742,798
68$1,104,856$0$0$772,765
69$1,149,766$0$0$804,347
70$1,197,122$0$0$837,662
71$1,247,105$0$0$872,840
72$1,299,915$0$0$910,023
73$1,355,768$0$0$949,366
74$1,414,901$0$0$991,037
75$1,477,571$0$0$1,035,221
76$1,544,063$0$0$1,082,119
77$1,614,683$0$0$1,131,951
78$1,689,770$0$0$1,184,960
79$1,769,694$0$0$1,241,408
80$1,854,857$0$0$1,301,585
81$1,945,705$0$0$1,365,807
82$2,042,720$0$0$1,434,420
83$2,146,436$0$0$1,507,805
84$2,257,434$0$0$1,586,378
85$2,376,355$0$0$1,670,596
86$2,503,898$0$0$1,760,960
87$2,640,832$0$0$1,858,020
88$2,788,003$0$0$1,962,380
89$2,946,336$0$0$2,074,702
90$3,116,848$0$0$2,195,713
91$3,300,657$0$0$2,326,214
92$3,498,990$0$0$2,467,082
93$3,713,196$0$0$2,619,281
94$3,944,756$0$0$2,783,872
95$4,195,299$0$0$2,962,021
96$4,466,615$0$0$3,155,007
97$4,760,671$0$0$3,364,241
98$5,079,633$0$0$3,591,270
99$5,425,881$0$0$3,837,798
100$5,802,032$0$0$4,105,698