Can I retire at age 45 with 535,000?

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 $535,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$44,180$43,786$43,402$43,028$42,662$41,396
2 years$21,871$21,464$21,069$20,686$20,315$19,050
3 years$14,436$14,027$13,633$13,254$12,889$11,664
4 years$10,719$10,311$9,921$9,549$9,192$8,018
5 years$8,490$8,084$7,699$7,334$6,988$5,867
6 years$7,004$6,601$6,222$5,865$5,529$4,462
7 years$5,943$5,544$5,171$4,822$4,497$3,484
8 years$5,147$4,752$4,385$4,045$3,731$2,771
9 years$4,529$4,137$3,777$3,446$3,142$2,235
10 years$4,035$3,647$3,293$2,970$2,677$1,822
11 years$3,631$3,247$2,899$2,585$2,302$1,497
12 years$3,294$2,914$2,573$2,267$1,995$1,238
13 years$3,009$2,633$2,299$2,002$1,740$1,029
14 years$2,766$2,394$2,065$1,777$1,525$859
15 years$2,555$2,187$1,865$1,585$1,343$720
16 years$2,370$2,006$1,691$1,419$1,187$605
17 years$2,208$1,848$1,538$1,275$1,052$509
18 years$2,063$1,707$1,404$1,149$936$429
19 years$1,934$1,582$1,286$1,038$834$363
20 years$1,818$1,470$1,180$940$745$307
21 years$1,714$1,370$1,085$853$667$260
22 years$1,618$1,279$1,000$776$597$221
23 years$1,532$1,196$924$707$536$187
24 years$1,452$1,120$854$644$482$159
25 years$1,379$1,051$791$589$434$135
26 years$1,312$988$734$538$391$115
27 years$1,250$930$681$493$352$98
28 years$1,192$876$633$451$318$83
29 years$1,139$827$589$414$287$71
30 years$1,089$781$549$380$259$60
31 years$1,042$738$512$349$234$51
32 years$999$698$478$321$212$44
33 years$958$661$446$295$192$37
34 years$920$627$417$271$174$32
35 years$884$595$389$250$157$27
36 years$850$564$364$230$143$23
37 years$818$536$341$212$129$20
38 years$787$509$319$195$117$17
39 years$759$484$299$180$106$14
40 years$731$461$280$166$96$12
41 years$706$439$263$153$87$10
42 years$681$418$247$141$79$9
43 years$658$398$231$131$72$8
44 years$636$379$217$121$65$6
45 years$615$362$204$111$59$5
46 years$594$345$192$103$54$5
47 years$575$329$180$95$49$4
48 years$557$314$169$88$44$3
49 years$539$300$159$81$40$3
50 years$522$287$149$75$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $535,000, adding $6,410 every year, while hoping to spend $28,940 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: 47/27/26 Blend
44$535,000$535,000$535,000$535,000
45$596,182$567,827$559,534$619,503
46$626,201$564,858$547,487$633,586
47$658,311$560,775$534,066$645,522
48$692,696$555,490$519,195$657,909
49$729,557$548,915$502,793$670,803
50$769,113$540,953$484,778$684,269
51$811,606$531,503$465,061$698,380
52$857,300$520,457$443,551$713,217
53$906,486$507,701$420,152$728,874
54$959,485$493,115$394,764$745,455
55$1,016,646$476,572$367,282$763,078
56$1,078,356$457,935$337,598$781,875
57$1,145,037$437,063$305,596$801,993
58$1,217,155$413,804$271,159$823,600
59$1,295,223$387,998$234,160$846,882
60$1,379,801$359,475$194,470$872,046
61$1,471,509$328,058$151,953$899,327
62$1,571,027$293,557$106,468$928,985
63$1,679,103$255,772$57,865$961,311
64$1,796,559$214,492$5,991$996,631
65$1,924,300$169,495$0$1,035,305
66$2,063,323$120,544$0$1,091,435
67$2,214,722$67,391$0$1,154,437
68$2,379,704$9,773$0$1,223,199
69$2,559,594$0$0$1,298,328
70$2,755,855$0$0$1,396,121
71$2,970,092$0$0$1,506,099
72$3,204,075$0$0$1,626,272
73$3,459,751$0$0$1,757,650
74$3,739,266$0$0$1,901,342
75$4,044,980$0$0$2,058,570
76$4,379,493$0$0$2,230,678
77$4,745,667$0$0$2,419,148
78$5,146,653$0$0$2,625,612
79$5,585,923$0$0$2,851,866
80$6,067,300$0$0$3,099,889
81$6,594,993$0$0$3,371,860
82$7,173,639$0$0$3,670,180
83$7,808,344$0$0$3,997,491
84$8,504,733$0$0$4,356,706
85$9,269,002$0$0$4,751,032
86$10,107,976$0$0$5,184,003
87$11,029,171$0$0$5,659,510
88$12,040,868$0$0$6,181,841
89$13,152,191$0$0$6,755,719
90$14,373,188$0$0$7,386,348
91$15,714,930$0$0$8,079,459
92$17,189,613$0$0$8,841,369
93$18,810,675$0$0$9,679,034
94$20,592,918$0$0$10,600,121
95$22,552,651$0$0$11,613,073
96$24,707,844$0$0$12,727,197
97$27,078,294$0$0$13,952,743
98$29,685,813$0$0$15,301,007
99$32,554,432$0$0$16,784,435
100$35,710,632$0$0$18,416,737