Can I retire at age 45 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$37,326$36,993$36,669$36,352$36,043$35,030
2 years$18,478$18,134$17,800$17,477$17,163$16,150
3 years$12,196$11,851$11,518$11,198$10,889$9,908
4 years$9,056$8,712$8,382$8,067$7,766$6,824
5 years$7,172$6,830$6,505$6,196$5,904$5,004
6 years$5,917$5,577$5,257$4,955$4,671$3,814
7 years$5,021$4,684$4,369$4,074$3,799$2,985
8 years$4,349$4,015$3,705$3,418$3,152$2,380
9 years$3,826$3,496$3,191$2,911$2,654$1,924
10 years$3,409$3,081$2,782$2,509$2,262$1,572
11 years$3,067$2,743$2,449$2,184$1,945$1,295
12 years$2,783$2,462$2,174$1,916$1,685$1,074
13 years$2,543$2,225$1,942$1,691$1,470$895
14 years$2,337$2,022$1,745$1,501$1,288$749
15 years$2,158$1,847$1,575$1,339$1,134$629
16 years$2,003$1,695$1,428$1,199$1,003$530
17 years$1,865$1,561$1,300$1,077$889$448
18 years$1,743$1,442$1,186$971$790$379
19 years$1,634$1,337$1,086$877$705$321
20 years$1,536$1,242$997$794$629$273
21 years$1,448$1,157$917$721$563$232
22 years$1,367$1,080$845$656$505$197
23 years$1,294$1,010$780$597$453$168
24 years$1,227$947$722$544$407$143
25 years$1,165$888$668$497$366$122
26 years$1,109$835$620$455$330$104
27 years$1,056$786$576$416$298$89
28 years$1,007$740$535$381$269$76
29 years$962$698$498$350$243$65
30 years$920$660$464$321$219$55
31 years$881$624$432$295$198$47
32 years$844$590$403$271$179$40
33 years$809$559$377$249$162$34
34 years$777$530$352$229$147$29
35 years$747$502$329$211$133$25
36 years$718$477$308$194$120$22
37 years$691$453$288$179$109$18
38 years$665$430$270$165$99$16
39 years$641$409$253$152$90$13
40 years$618$389$237$140$81$11
41 years$596$371$222$129$74$10
42 years$575$353$208$119$67$8
43 years$556$336$196$110$61$7
44 years$537$321$184$102$55$6
45 years$519$306$172$94$50$5
46 years$502$292$162$87$46$4
47 years$486$278$152$80$41$4
48 years$470$266$143$74$38$3
49 years$456$254$134$69$34$3
50 years$441$242$126$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $452,000, adding $5,423 every year, while hoping to spend $30,988 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: 85/5/10 Blend
44$452,000$452,000$452,000$452,000
45$503,698$479,742$472,736$545,316
46$522,104$470,278$455,601$563,857
47$541,349$459,312$436,855$579,467
48$561,486$446,738$416,408$595,656
49$582,571$432,442$394,172$612,461
50$604,668$416,306$370,051$629,925
51$627,842$398,203$343,946$648,094
52$652,168$378,001$315,754$667,019
53$677,724$355,557$285,366$686,755
54$704,596$330,724$252,670$707,364
55$732,878$303,343$217,548$728,912
56$762,672$273,247$179,876$751,475
57$794,088$240,260$139,526$775,134
58$827,248$204,196$96,363$799,978
59$862,284$164,857$50,248$826,105
60$899,339$122,037$1,033$853,626
61$938,570$75,516$0$882,660
62$980,149$25,061$0$918,832
63$1,024,263$0$0$957,270
64$1,071,117$0$0$999,668
65$1,120,935$0$0$1,046,218
66$1,173,963$0$0$1,095,770
67$1,230,468$0$0$1,148,576
68$1,290,745$0$0$1,204,911
69$1,355,115$0$0$1,265,077
70$1,423,931$0$0$1,329,403
71$1,497,580$0$0$1,398,251
72$1,576,486$0$0$1,472,020
73$1,661,115$0$0$1,551,145
74$1,751,976$0$0$1,636,102
75$1,849,630$0$0$1,727,418
76$1,954,692$0$0$1,825,668
77$2,067,837$0$0$1,931,484
78$2,189,806$0$0$2,045,560
79$2,321,414$0$0$2,168,660
80$2,463,555$0$0$2,301,621
81$2,617,214$0$0$2,445,365
82$2,783,471$0$0$2,600,903
83$2,963,515$0$0$2,769,349
84$3,158,650$0$0$2,951,926
85$3,370,315$0$0$3,149,978
86$3,600,088$0$0$3,364,986
87$3,849,707$0$0$3,598,577
88$4,121,083$0$0$3,852,540
89$4,416,318$0$0$4,128,846
90$4,737,727$0$0$4,429,659
91$5,087,854$0$0$4,757,366
92$5,469,500$0$0$5,114,589
93$5,885,749$0$0$5,504,215
94$6,339,994$0$0$5,929,424
95$6,835,969$0$0$6,393,713
96$7,377,787$0$0$6,900,933
97$7,969,974$0$0$7,455,324
98$8,617,512$0$0$8,061,554
99$9,325,890$0$0$8,724,761
100$10,101,148$0$0$9,450,605