Can I retire at age 45 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$44,262$43,868$43,483$43,108$42,741$42,277
2 years$21,912$21,504$21,108$20,725$20,353$19,886
3 years$14,463$14,053$13,659$13,279$12,913$12,457
4 years$10,739$10,331$9,940$9,567$9,210$8,769
5 years$8,505$8,099$7,714$7,348$7,001$6,576
6 years$7,017$6,614$6,234$5,876$5,540$5,131
7 years$5,954$5,554$5,180$4,831$4,505$4,114
8 years$5,157$4,761$4,393$4,053$3,737$3,363
9 years$4,538$4,145$3,784$3,452$3,147$2,789
10 years$4,042$3,654$3,299$2,976$2,682$2,340
11 years$3,637$3,253$2,904$2,590$2,306$1,981
12 years$3,300$2,920$2,578$2,272$1,999$1,689
13 years$3,015$2,638$2,303$2,005$1,743$1,449
14 years$2,771$2,398$2,069$1,780$1,528$1,249
15 years$2,559$2,191$1,868$1,588$1,345$1,080
16 years$2,375$2,010$1,694$1,422$1,189$938
17 years$2,212$1,851$1,541$1,277$1,054$817
18 years$2,067$1,711$1,407$1,151$937$713
19 years$1,938$1,585$1,288$1,040$835$624
20 years$1,822$1,473$1,182$942$746$547
21 years$1,717$1,372$1,087$855$668$480
22 years$1,621$1,281$1,002$777$599$422
23 years$1,534$1,198$925$708$537$372
24 years$1,455$1,122$856$646$483$328
25 years$1,382$1,053$793$590$435$289
26 years$1,315$990$735$539$391$255
27 years$1,252$932$683$494$353$225
28 years$1,195$878$635$452$318$199
29 years$1,141$828$590$415$288$176
30 years$1,091$782$550$381$260$156
31 years$1,044$739$513$349$235$138
32 years$1,001$700$478$321$212$122
33 years$960$663$447$295$192$108
34 years$921$628$417$272$174$96
35 years$885$596$390$250$158$85
36 years$851$565$365$230$143$75
37 years$819$537$342$212$130$67
38 years$789$510$320$196$117$59
39 years$760$485$300$180$106$53
40 years$733$462$281$166$97$47
41 years$707$439$263$154$88$41
42 years$682$419$247$142$79$37
43 years$659$399$232$131$72$33
44 years$637$380$218$121$65$29
45 years$616$362$204$112$59$26
46 years$595$346$192$103$54$23
47 years$576$330$180$95$49$20
48 years$558$315$169$88$45$18
49 years$540$301$159$81$40$16
50 years$523$287$150$75$37$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $536,000, adding $6,598 every year, while hoping to spend $30,141 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: 76/10/14 Blend
44$536,000$536,000$536,000$536,000
45$597,478$569,070$560,762$640,639
46$626,351$564,884$547,478$665,846
47$657,159$559,484$532,738$689,037
48$690,067$552,777$516,463$713,630
49$725,257$544,666$498,567$739,756
50$762,927$535,049$478,964$767,557
51$803,297$523,817$457,560$797,192
52$846,604$510,855$434,259$828,835
53$893,112$496,041$408,962$862,678
54$943,109$479,247$381,561$898,934
55$996,910$460,334$351,948$937,838
56$1,054,864$439,160$320,007$979,649
57$1,117,352$415,570$285,619$1,024,654
58$1,184,793$389,404$248,658$1,073,168
59$1,257,647$360,490$208,993$1,125,540
60$1,336,420$328,647$166,487$1,182,155
61$1,421,668$293,684$120,998$1,243,439
62$1,514,003$255,400$72,377$1,309,860
63$1,614,098$213,580$20,467$1,381,938
64$1,722,690$168,000$0$1,460,244
65$1,840,593$118,421$0$1,550,627
66$1,968,701$64,591$0$1,652,169
67$2,107,998$6,246$0$1,762,604
68$2,259,566$0$0$1,882,810
69$2,424,595$0$0$2,020,013
70$2,604,395$0$0$2,170,264
71$2,800,409$0$0$2,334,084
72$3,014,222$0$0$2,512,801
73$3,247,582$0$0$2,707,876
74$3,502,410$0$0$2,920,921
75$3,780,824$0$0$3,153,707
76$4,085,152$0$0$3,408,185
77$4,417,961$0$0$3,686,502
78$4,782,074$0$0$3,991,025
79$5,180,601$0$0$4,324,357
80$5,616,967$0$0$4,689,365
81$6,094,942$0$0$5,089,208
82$6,618,680$0$0$5,527,362
83$7,192,754$0$0$6,007,659
84$7,822,200$0$0$6,534,316
85$8,512,568$0$0$7,111,980
86$9,269,966$0$0$7,745,766
87$10,101,127$0$0$8,441,312
88$11,013,463$0$0$9,204,827
89$12,015,142$0$0$10,043,148
90$13,115,157$0$0$10,963,811
91$14,323,421$0$0$11,975,113
92$15,650,848$0$0$13,086,198
93$17,109,466$0$0$14,307,136
94$18,712,524$0$0$15,649,023
95$20,474,617$0$0$17,124,084
96$22,411,825$0$0$18,745,785
97$24,541,867$0$0$20,528,963
98$26,884,259$0$0$22,489,965
99$29,460,508$0$0$24,646,802
100$32,294,307$0$0$27,019,316