Can I retire at age 45 with 535,000?

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 $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%11.3%
1 years$44,180$43,786$43,402$43,028$42,662$42,428
2 years$21,871$21,464$21,069$20,686$20,315$20,080
3 years$14,436$14,027$13,633$13,254$12,889$12,658
4 years$10,719$10,311$9,921$9,549$9,192$8,969
5 years$8,490$8,084$7,699$7,334$6,988$6,772
6 years$7,004$6,601$6,222$5,865$5,529$5,321
7 years$5,943$5,544$5,171$4,822$4,497$4,297
8 years$5,147$4,752$4,385$4,045$3,731$3,539
9 years$4,529$4,137$3,777$3,446$3,142$2,958
10 years$4,035$3,647$3,293$2,970$2,677$2,501
11 years$3,631$3,247$2,899$2,585$2,302$2,134
12 years$3,294$2,914$2,573$2,267$1,995$1,834
13 years$3,009$2,633$2,299$2,002$1,740$1,587
14 years$2,766$2,394$2,065$1,777$1,525$1,379
15 years$2,555$2,187$1,865$1,585$1,343$1,204
16 years$2,370$2,006$1,691$1,419$1,187$1,055
17 years$2,208$1,848$1,538$1,275$1,052$927
18 years$2,063$1,707$1,404$1,149$936$817
19 years$1,934$1,582$1,286$1,038$834$721
20 years$1,818$1,470$1,180$940$745$638
21 years$1,714$1,370$1,085$853$667$566
22 years$1,618$1,279$1,000$776$597$502
23 years$1,532$1,196$924$707$536$447
24 years$1,452$1,120$854$644$482$398
25 years$1,379$1,051$791$589$434$354
26 years$1,312$988$734$538$391$316
27 years$1,250$930$681$493$352$282
28 years$1,192$876$633$451$318$252
29 years$1,139$827$589$414$287$225
30 years$1,089$781$549$380$259$201
31 years$1,042$738$512$349$234$180
32 years$999$698$478$321$212$161
33 years$958$661$446$295$192$144
34 years$920$627$417$271$174$129
35 years$884$595$389$250$157$116
36 years$850$564$364$230$143$104
37 years$818$536$341$212$129$93
38 years$787$509$319$195$117$83
39 years$759$484$299$180$106$75
40 years$731$461$280$166$96$67
41 years$706$439$263$153$87$60
42 years$681$418$247$141$79$54
43 years$658$398$231$131$72$49
44 years$636$379$217$121$65$44
45 years$615$362$204$111$59$39
46 years$594$345$192$103$54$35
47 years$575$329$180$95$49$31
48 years$557$314$169$88$44$28
49 years$539$300$159$81$40$25
50 years$522$287$149$75$37$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $535,000, adding $4,254 every year, while hoping to spend $20,569 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: 63/24/13 Blend
44$535,000$535,000$535,000$535,000
45$593,958$565,603$557,311$629,282
46$632,656$571,432$554,095$659,296
47$674,613$576,858$550,083$689,307
48$720,138$581,838$545,225$721,572
49$769,572$586,329$539,471$756,309
50$823,293$590,283$532,767$793,760
51$881,712$593,651$525,058$834,193
52$945,286$596,378$516,286$877,903
53$1,014,513$598,409$506,390$925,213
54$1,089,945$599,683$495,306$976,483
55$1,172,188$600,136$482,967$1,032,108
56$1,261,908$599,699$469,304$1,092,525
57$1,359,840$598,301$454,242$1,158,214
58$1,466,790$595,865$437,706$1,229,709
59$1,583,650$592,310$419,616$1,307,595
60$1,711,397$587,548$399,889$1,392,518
61$1,851,111$581,489$378,436$1,485,194
62$2,003,978$574,035$355,167$1,586,408
63$2,171,304$565,084$329,986$1,697,031
64$2,354,530$554,526$302,794$1,818,020
65$2,555,241$542,246$273,485$1,950,432
66$2,775,181$528,121$241,952$2,095,435
67$3,016,273$512,023$208,081$2,254,315
68$3,280,634$493,813$171,753$2,428,491
69$3,570,596$473,348$132,845$2,619,530
70$3,888,727$450,472$91,225$2,829,158
71$4,237,857$425,025$46,761$3,059,280
72$4,621,100$396,833$0$3,311,999
73$5,041,891$365,717$0$3,589,727
74$5,504,009$331,482$0$3,901,852
75$6,011,621$293,928$0$4,244,724
76$6,569,315$252,839$0$4,621,472
77$7,182,145$207,988$0$5,035,549
78$7,855,681$159,136$0$5,490,762
79$8,596,058$106,031$0$5,991,306
80$9,410,035$48,406$0$6,541,806
81$10,305,058$0$0$7,147,362
82$11,289,333$0$0$7,817,297
83$12,371,899$0$0$8,568,235
84$13,562,714$0$0$9,394,306
85$14,872,752$0$0$10,303,128
86$16,314,103$0$0$11,303,094
87$17,900,088$0$0$12,403,451
88$19,645,386$0$0$13,614,390
89$21,566,167$0$0$14,947,136
90$23,680,252$0$0$16,414,061
91$26,007,276$0$0$18,028,795
92$28,568,872$0$0$19,806,358
93$31,388,880$0$0$21,763,299
94$34,493,568$0$0$23,917,854
95$37,911,878$0$0$26,290,117
96$41,675,706$0$0$28,902,228
97$45,820,193$0$0$31,778,586
98$50,384,066$0$0$34,946,075
99$55,409,995$0$0$38,434,320
100$60,945,002$0$0$42,275,963