Can I retire at age 45 with 537,000?

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 $537,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$44,345$43,950$43,565$43,188$42,821$41,384
2 years$21,953$21,544$21,148$20,764$20,391$18,957
3 years$14,490$14,079$13,684$13,303$12,937$11,552
4 years$10,759$10,350$9,958$9,584$9,227$7,901
5 years$8,521$8,114$7,728$7,362$7,014$5,750
6 years$7,030$6,626$6,246$5,887$5,550$4,350
7 years$5,965$5,564$5,190$4,840$4,514$3,377
8 years$5,167$4,770$4,402$4,060$3,744$2,670
9 years$4,546$4,153$3,791$3,459$3,153$2,141
10 years$4,050$3,661$3,305$2,981$2,687$1,734
11 years$3,644$3,259$2,910$2,595$2,311$1,415
12 years$3,306$2,925$2,582$2,276$2,002$1,163
13 years$3,021$2,643$2,307$2,009$1,746$960
14 years$2,776$2,403$2,073$1,784$1,531$796
15 years$2,564$2,195$1,872$1,591$1,348$662
16 years$2,379$2,014$1,697$1,424$1,191$552
17 years$2,216$1,855$1,544$1,280$1,056$462
18 years$2,071$1,714$1,410$1,153$939$387
19 years$1,942$1,588$1,290$1,042$837$324
20 years$1,825$1,476$1,184$944$748$272
21 years$1,720$1,375$1,089$857$669$229
22 years$1,624$1,283$1,004$779$600$193
23 years$1,537$1,200$927$709$538$162
24 years$1,458$1,125$857$647$484$137
25 years$1,384$1,055$794$591$435$115
26 years$1,317$992$736$540$392$97
27 years$1,255$933$684$494$354$82
28 years$1,197$880$636$453$319$69
29 years$1,143$830$592$415$288$58
30 years$1,093$784$551$381$260$49
31 years$1,046$741$514$350$235$42
32 years$1,003$701$479$322$213$35
33 years$962$664$448$296$193$30
34 years$923$629$418$272$174$25
35 years$887$597$391$251$158$21
36 years$853$566$366$231$143$18
37 years$821$538$342$213$130$15
38 years$790$511$321$196$118$13
39 years$761$486$300$181$107$11
40 years$734$463$281$167$97$9
41 years$708$440$264$154$88$8
42 years$684$419$248$142$80$7
43 years$660$400$232$131$72$6
44 years$638$381$218$121$66$5
45 years$617$363$205$112$60$4
46 years$597$346$192$103$54$3
47 years$577$331$181$95$49$3
48 years$559$316$170$88$45$2
49 years$541$301$160$81$41$2
50 years$524$288$150$75$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $537,000, adding $2,769 every year, while hoping to spend $37,184 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: 43/31/26 Blend
44$537,000$537,000$537,000$537,000
45$594,630$566,169$557,846$615,589
46$615,719$554,348$536,970$619,003
47$637,713$540,701$514,149$618,939
48$660,664$525,100$489,278$618,146
49$684,631$507,409$462,247$616,576
50$709,674$487,483$432,943$614,182
51$735,861$465,170$401,247$610,913
52$763,263$440,308$367,034$606,719
53$791,960$412,727$330,173$601,544
54$822,035$382,246$290,529$595,336
55$853,581$348,674$247,960$588,036
56$886,697$311,810$202,317$579,588
57$921,491$271,439$153,446$569,930
58$958,081$227,338$101,185$559,003
59$996,595$179,268$45,364$546,745
60$1,037,173$126,977$0$533,092
61$1,079,966$70,200$0$521,921
62$1,125,139$8,656$0$522,915
63$1,172,873$0$0$523,463
64$1,223,364$0$0$543,325
65$1,276,827$0$0$567,513
66$1,333,497$0$0$593,185
67$1,393,630$0$0$620,460
68$1,457,507$0$0$649,471
69$1,525,433$0$0$680,361
70$1,597,744$0$0$713,288
71$1,674,807$0$0$748,425
72$1,757,025$0$0$785,961
73$1,844,838$0$0$826,104
74$1,938,729$0$0$869,080
75$2,039,226$0$0$915,139
76$2,146,911$0$0$964,555
77$2,262,420$0$0$1,017,627
78$2,386,451$0$0$1,074,685
79$2,519,771$0$0$1,136,092
80$2,663,221$0$0$1,202,242
81$2,817,726$0$0$1,273,574
82$2,984,301$0$0$1,350,566
83$3,164,060$0$0$1,433,744
84$3,358,228$0$0$1,523,687
85$3,568,152$0$0$1,621,030
86$3,795,311$0$0$1,726,474
87$4,041,330$0$0$1,840,785
88$4,307,999$0$0$1,964,811
89$4,597,284$0$0$2,099,479
90$4,911,346$0$0$2,245,812
91$5,252,565$0$0$2,404,936
92$5,623,556$0$0$2,578,086
93$6,027,198$0$0$2,766,625
94$6,466,658$0$0$2,972,051
95$6,945,420$0$0$3,196,011
96$7,467,320$0$0$3,440,322
97$8,036,577$0$0$3,706,978
98$8,657,838$0$0$3,998,180
99$9,336,216$0$0$4,316,347
100$10,077,340$0$0$4,664,143