Can I retire at age 45 with 439,000?

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 $439,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$36,252$35,929$35,614$35,307$35,006$33,604
2 years$17,947$17,612$17,288$16,974$16,670$15,275
3 years$11,846$11,510$11,187$10,876$10,576$9,232
4 years$8,796$8,461$8,141$7,835$7,543$6,260
5 years$6,966$6,634$6,318$6,018$5,734$4,516
6 years$5,747$5,417$5,106$4,813$4,537$3,384
7 years$4,876$4,549$4,243$3,957$3,690$2,602
8 years$4,224$3,899$3,598$3,319$3,061$2,037
9 years$3,716$3,395$3,099$2,827$2,578$1,616
10 years$3,311$2,993$2,702$2,437$2,196$1,295
11 years$2,979$2,664$2,379$2,121$1,889$1,045
12 years$2,703$2,391$2,111$1,860$1,637$849
13 years$2,469$2,161$1,886$1,643$1,428$693
14 years$2,269$1,964$1,695$1,458$1,251$568
15 years$2,096$1,794$1,530$1,300$1,102$466
16 years$1,945$1,646$1,387$1,164$974$384
17 years$1,812$1,516$1,262$1,046$863$317
18 years$1,693$1,401$1,152$943$768$262
19 years$1,587$1,298$1,055$852$684$217
20 years$1,492$1,207$968$772$611$180
21 years$1,406$1,124$891$700$547$149
22 years$1,328$1,049$821$637$490$124
23 years$1,257$981$758$580$440$103
24 years$1,192$919$701$529$396$86
25 years$1,132$863$649$483$356$71
26 years$1,077$811$602$442$321$59
27 years$1,026$763$559$404$289$49
28 years$978$719$520$370$261$41
29 years$935$678$484$340$236$34
30 years$894$641$450$312$213$28
31 years$855$606$420$286$192$24
32 years$820$573$392$263$174$20
33 years$786$543$366$242$158$16
34 years$755$514$342$223$143$14
35 years$725$488$320$205$129$11
36 years$697$463$299$189$117$9
37 years$671$440$280$174$106$8
38 years$646$418$262$160$96$7
39 years$622$397$246$148$87$5
40 years$600$378$230$136$79$5
41 years$579$360$216$126$72$4
42 years$559$343$202$116$65$3
43 years$540$327$190$107$59$3
44 years$522$311$178$99$54$2
45 years$504$297$167$91$49$2
46 years$488$283$157$84$44$2
47 years$472$270$148$78$40$1
48 years$457$258$139$72$36$1
49 years$442$246$130$67$33$1
50 years$429$235$123$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $439,000, adding $6,074 every year, while hoping to spend $26,410 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: 53/34/13 Blend
44$439,000$439,000$439,000$439,000
45$490,043$466,776$459,972$514,024
46$511,928$461,548$447,281$525,816
47$535,159$455,179$433,280$535,299
48$559,847$447,585$417,896$545,011
49$586,112$438,676$401,056$554,982
50$614,083$428,360$382,680$565,244
51$643,906$416,536$362,686$575,834
52$675,738$403,099$340,989$586,795
53$709,750$387,938$317,498$598,177
54$746,131$370,933$292,122$610,034
55$785,089$351,962$264,760$622,430
56$826,850$330,890$235,312$635,437
57$871,664$307,579$203,670$649,137
58$919,804$281,881$169,723$663,620
59$971,570$253,639$133,355$678,992
60$1,027,292$222,688$94,444$695,370
61$1,087,331$188,855$52,863$712,885
62$1,152,084$151,954$8,479$731,686
63$1,221,988$111,792$0$751,941
64$1,297,523$68,161$0$779,230
65$1,379,215$20,846$0$809,976
66$1,467,644$0$0$843,258
67$1,563,447$0$0$890,729
68$1,667,325$0$0$950,694
69$1,780,046$0$0$1,015,802
70$1,902,459$0$0$1,086,547
71$2,035,495$0$0$1,163,472
72$2,180,178$0$0$1,247,177
73$2,337,637$0$0$1,338,317
74$2,509,111$0$0$1,437,618
75$2,695,966$0$0$1,545,875
76$2,899,705$0$0$1,663,966
77$3,121,981$0$0$1,792,855
78$3,364,614$0$0$1,933,604
79$3,629,607$0$0$2,087,383
80$3,919,166$0$0$2,255,478
81$4,235,720$0$0$2,439,308
82$4,581,941$0$0$2,640,432
83$4,960,774$0$0$2,860,568
84$5,375,459$0$0$3,101,609
85$5,829,565$0$0$3,365,638
86$6,327,023$0$0$3,654,949
87$6,872,162$0$0$3,972,070
88$7,469,747$0$0$4,319,783
89$8,125,030$0$0$4,701,153
90$8,843,794$0$0$5,119,557
91$9,632,406$0$0$5,578,713
92$10,497,883$0$0$6,082,717
93$11,447,952$0$0$6,636,081
94$12,491,126$0$0$7,243,775
95$13,636,781$0$0$7,911,275
96$14,895,247$0$0$8,644,612
97$16,277,903$0$0$9,450,430
98$17,797,286$0$0$10,336,050
99$19,467,205$0$0$11,309,536
100$21,302,876$0$0$12,379,773