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%12.8%
1 years$37,326$36,993$36,669$36,352$36,043$35,622
2 years$18,478$18,134$17,800$17,477$17,163$16,740
3 years$12,196$11,851$11,518$11,198$10,889$10,476
4 years$9,056$8,712$8,382$8,067$7,766$7,367
5 years$7,172$6,830$6,505$6,196$5,904$5,519
6 years$5,917$5,577$5,257$4,955$4,671$4,302
7 years$5,021$4,684$4,369$4,074$3,799$3,445
8 years$4,349$4,015$3,705$3,418$3,152$2,813
9 years$3,826$3,496$3,191$2,911$2,654$2,330
10 years$3,409$3,081$2,782$2,509$2,262$1,953
11 years$3,067$2,743$2,449$2,184$1,945$1,651
12 years$2,783$2,462$2,174$1,916$1,685$1,406
13 years$2,543$2,225$1,942$1,691$1,470$1,204
14 years$2,337$2,022$1,745$1,501$1,288$1,036
15 years$2,158$1,847$1,575$1,339$1,134$896
16 years$2,003$1,695$1,428$1,199$1,003$777
17 years$1,865$1,561$1,300$1,077$889$676
18 years$1,743$1,442$1,186$971$790$589
19 years$1,634$1,337$1,086$877$705$515
20 years$1,536$1,242$997$794$629$450
21 years$1,448$1,157$917$721$563$395
22 years$1,367$1,080$845$656$505$347
23 years$1,294$1,010$780$597$453$305
24 years$1,227$947$722$544$407$268
25 years$1,165$888$668$497$366$236
26 years$1,109$835$620$455$330$208
27 years$1,056$786$576$416$298$184
28 years$1,007$740$535$381$269$162
29 years$962$698$498$350$243$143
30 years$920$660$464$321$219$126
31 years$881$624$432$295$198$112
32 years$844$590$403$271$179$99
33 years$809$559$377$249$162$87
34 years$777$530$352$229$147$77
35 years$747$502$329$211$133$68
36 years$718$477$308$194$120$60
37 years$691$453$288$179$109$54
38 years$665$430$270$165$99$47
39 years$641$409$253$152$90$42
40 years$618$389$237$140$81$37
41 years$596$371$222$129$74$33
42 years$575$353$208$119$67$29
43 years$556$336$196$110$61$26
44 years$537$321$184$102$55$23
45 years$519$306$172$94$50$20
46 years$502$292$162$87$46$18
47 years$486$278$152$80$41$16
48 years$470$266$143$74$38$14
49 years$456$254$134$69$34$13
50 years$441$242$126$63$31$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $452,000, adding $5,824 every year, while hoping to spend $30,545 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: 69/15/16 Blend
44$452,000$452,000$452,000$452,000
45$504,111$480,155$473,149$536,610
46$523,031$471,183$456,500$550,030
47$542,857$460,748$438,270$560,534
48$563,649$448,745$418,372$571,253
49$585,473$435,065$396,719$582,204
50$608,399$419,591$373,217$593,409
51$632,504$402,200$347,769$604,890
52$657,873$382,761$320,272$616,674
53$684,596$361,137$290,622$628,791
54$712,773$337,181$258,706$641,275
55$742,513$310,739$224,409$654,165
56$773,932$281,648$187,610$667,505
57$807,160$249,736$148,181$681,346
58$842,337$214,820$105,993$695,743
59$879,617$176,708$60,905$710,761
60$919,168$135,196$12,775$726,471
61$961,172$90,070$0$742,954
62$1,005,831$41,102$0$766,889
63$1,053,363$0$0$794,546
64$1,104,009$0$0$825,857
65$1,158,032$0$0$866,506
66$1,215,720$0$0$909,928
67$1,277,388$0$0$956,364
68$1,343,383$0$0$1,006,074
69$1,414,084$0$0$1,059,349
70$1,489,908$0$0$1,116,503
71$1,571,310$0$0$1,177,883
72$1,658,792$0$0$1,243,870
73$1,752,905$0$0$1,314,882
74$1,854,252$0$0$1,391,378
75$1,963,497$0$0$1,473,861
76$2,081,368$0$0$1,562,885
77$2,208,667$0$0$1,659,058
78$2,346,272$0$0$1,763,049
79$2,495,151$0$0$1,875,592
80$2,656,367$0$0$1,997,494
81$2,831,088$0$0$2,129,645
82$3,020,600$0$0$2,273,020
83$3,226,316$0$0$2,428,692
84$3,449,789$0$0$2,597,844
85$3,692,729$0$0$2,781,774
86$3,957,018$0$0$2,981,912
87$4,244,725$0$0$3,199,830
88$4,558,127$0$0$3,437,260
89$4,899,730$0$0$3,696,105
90$5,272,291$0$0$3,978,462
91$5,678,847$0$0$4,286,639
92$6,122,738$0$0$4,623,174
93$6,607,642$0$0$4,990,864
94$7,137,608$0$0$5,392,786
95$7,717,095$0$0$5,832,329
96$8,351,010$0$0$6,313,224
97$9,044,757$0$0$6,839,579
98$9,804,288$0$0$7,415,918
99$10,636,156$0$0$8,047,223
100$11,547,576$0$0$8,738,980