Can I retire at age 45 with 443,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$36,583$36,257$35,939$35,628$35,325$34,099
2 years$18,110$17,773$17,446$17,129$16,822$15,599
3 years$11,954$11,615$11,289$10,975$10,672$9,492
4 years$8,876$8,538$8,215$7,907$7,612$6,482
5 years$7,030$6,694$6,375$6,073$5,786$4,710
6 years$5,799$5,466$5,152$4,857$4,578$3,557
7 years$4,921$4,590$4,282$3,993$3,723$2,757
8 years$4,262$3,935$3,631$3,350$3,089$2,176
9 years$3,750$3,426$3,127$2,853$2,601$1,741
10 years$3,341$3,020$2,727$2,459$2,217$1,408
11 years$3,006$2,688$2,400$2,140$1,906$1,147
12 years$2,728$2,413$2,130$1,877$1,652$940
13 years$2,492$2,181$1,903$1,657$1,441$775
14 years$2,290$1,982$1,710$1,471$1,263$641
15 years$2,115$1,811$1,544$1,312$1,112$532
16 years$1,963$1,661$1,400$1,175$983$443
17 years$1,828$1,530$1,274$1,056$871$369
18 years$1,708$1,414$1,163$951$775$309
19 years$1,602$1,310$1,065$860$691$258
20 years$1,506$1,218$977$779$617$216
21 years$1,419$1,134$899$707$552$181
22 years$1,340$1,059$828$642$495$152
23 years$1,268$990$765$585$444$128
24 years$1,203$928$707$534$399$108
25 years$1,142$871$655$487$359$90
26 years$1,086$818$608$446$324$76
27 years$1,035$770$564$408$292$64
28 years$987$726$524$374$263$54
29 years$943$685$488$343$238$45
30 years$902$646$455$315$215$38
31 years$863$611$424$289$194$32
32 years$827$578$395$265$176$27
33 years$793$548$369$244$159$23
34 years$762$519$345$225$144$19
35 years$732$492$323$207$130$16
36 years$704$467$302$190$118$14
37 years$677$444$282$175$107$12
38 years$652$422$264$162$97$10
39 years$628$401$248$149$88$8
40 years$606$382$232$138$80$7
41 years$584$363$218$127$72$6
42 years$564$346$204$117$66$5
43 years$545$330$192$108$60$4
44 years$526$314$180$100$54$3
45 years$509$300$169$92$49$3
46 years$492$286$159$85$45$2
47 years$476$273$149$79$41$2
48 years$461$260$140$73$37$2
49 years$446$249$132$67$33$1
50 years$433$237$124$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $443,000, adding $2,825 every year, while hoping to spend $41,679 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: 55/40/5 Blend
44$443,000$443,000$443,000$443,000
45$491,100$467,621$460,754$517,453
46$496,846$446,188$431,844$514,106
47$501,781$422,308$400,567$505,569
48$505,779$395,818$366,802$495,243
49$508,698$366,542$330,420$482,964
50$510,382$334,300$291,286$468,551
51$510,656$298,896$249,259$451,813
52$509,327$260,126$204,193$432,537
53$506,180$217,773$155,935$410,495
54$500,976$171,610$104,325$385,438
55$493,452$121,394$49,195$357,096
56$483,312$66,871$0$325,176
57$470,234$7,772$0$289,873
58$453,857$0$0$253,160
59$433,783$0$0$236,774
60$409,571$0$0$221,275
61$380,733$0$0$202,947
62$346,729$0$0$181,461
63$306,962$0$0$156,454
64$260,772$0$0$127,526
65$207,429$0$0$94,234
66$146,127$0$0$56,087
67$75,976$0$0$12,545
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0