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%17.9%
1 years$37,326$36,993$36,669$36,352$36,043$34,889
2 years$18,478$18,134$17,800$17,477$17,163$16,012
3 years$12,196$11,851$11,518$11,198$10,889$9,776
4 years$9,056$8,712$8,382$8,067$7,766$6,699
5 years$7,172$6,830$6,505$6,196$5,904$4,886
6 years$5,917$5,577$5,257$4,955$4,671$3,704
7 years$5,021$4,684$4,369$4,074$3,799$2,882
8 years$4,349$4,015$3,705$3,418$3,152$2,285
9 years$3,826$3,496$3,191$2,911$2,654$1,836
10 years$3,409$3,081$2,782$2,509$2,262$1,491
11 years$3,067$2,743$2,449$2,184$1,945$1,220
12 years$2,783$2,462$2,174$1,916$1,685$1,005
13 years$2,543$2,225$1,942$1,691$1,470$832
14 years$2,337$2,022$1,745$1,501$1,288$692
15 years$2,158$1,847$1,575$1,339$1,134$577
16 years$2,003$1,695$1,428$1,199$1,003$483
17 years$1,865$1,561$1,300$1,077$889$405
18 years$1,743$1,442$1,186$971$790$340
19 years$1,634$1,337$1,086$877$705$286
20 years$1,536$1,242$997$794$629$241
21 years$1,448$1,157$917$721$563$203
22 years$1,367$1,080$845$656$505$171
23 years$1,294$1,010$780$597$453$145
24 years$1,227$947$722$544$407$122
25 years$1,165$888$668$497$366$103
26 years$1,109$835$620$455$330$88
27 years$1,056$786$576$416$298$74
28 years$1,007$740$535$381$269$63
29 years$962$698$498$350$243$53
30 years$920$660$464$321$219$45
31 years$881$624$432$295$198$38
32 years$844$590$403$271$179$32
33 years$809$559$377$249$162$27
34 years$777$530$352$229$147$23
35 years$747$502$329$211$133$20
36 years$718$477$308$194$120$17
37 years$691$453$288$179$109$14
38 years$665$430$270$165$99$12
39 years$641$409$253$152$90$10
40 years$618$389$237$140$81$9
41 years$596$371$222$129$74$7
42 years$575$353$208$119$67$6
43 years$556$336$196$110$61$5
44 years$537$321$184$102$55$4
45 years$519$306$172$94$50$4
46 years$502$292$162$87$46$3
47 years$486$278$152$80$41$3
48 years$470$266$143$74$38$2
49 years$456$254$134$69$34$2
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 $3,896 every year, while hoping to spend $29,967 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: 44/29/27 Blend
44$452,000$452,000$452,000$452,000
45$502,123$478,167$471,161$520,134
46$521,455$469,712$455,060$524,889
47$541,754$459,839$437,415$526,873
48$563,088$448,446$418,144$528,444
49$585,529$435,426$397,158$529,582
50$609,157$420,666$374,367$530,264
51$634,058$404,046$349,675$530,469
52$660,326$385,438$322,983$530,177
53$688,064$364,709$294,188$529,367
54$717,383$341,717$263,180$528,021
55$748,405$316,310$229,845$526,121
56$781,264$288,331$194,067$523,648
57$816,105$257,611$155,720$520,589
58$853,087$223,973$114,676$516,931
59$892,384$187,230$70,799$512,664
60$934,186$147,183$23,950$507,780
61$978,702$103,623$0$502,275
62$1,026,158$56,330$0$503,654
63$1,076,806$5,070$0$512,270
64$1,130,918$0$0$521,274
65$1,188,794$0$0$546,815
66$1,250,763$0$0$575,930
67$1,317,186$0$0$607,175
68$1,388,457$0$0$640,740
69$1,465,010$0$0$676,836
70$1,547,323$0$0$715,692
71$1,635,917$0$0$757,560
72$1,731,366$0$0$802,718
73$1,834,302$0$0$851,471
74$1,945,418$0$0$904,153
75$2,065,473$0$0$961,133
76$2,195,305$0$0$1,022,814
77$2,335,834$0$0$1,089,642
78$2,488,069$0$0$1,162,105
79$2,653,123$0$0$1,240,740
80$2,832,218$0$0$1,326,140
81$3,026,697$0$0$1,418,954
82$3,238,039$0$0$1,519,897
83$3,467,870$0$0$1,629,758
84$3,717,980$0$0$1,749,401
85$3,990,338$0$0$1,879,781
86$4,287,109$0$0$2,021,945
87$4,610,679$0$0$2,177,049
88$4,963,671$0$0$2,346,362
89$5,348,972$0$0$2,531,284
90$5,769,764$0$0$2,733,354
91$6,229,544$0$0$2,954,267
92$6,732,168$0$0$3,195,890
93$7,281,876$0$0$3,460,278
94$7,883,339$0$0$3,749,693
95$8,541,701$0$0$4,066,627
96$9,262,625$0$0$4,413,824
97$10,052,349$0$0$4,794,306
98$10,917,739$0$0$5,211,400
99$11,866,361$0$0$5,668,773
100$12,906,545$0$0$6,170,460