Can I retire at age 45 with 543,000?

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 $543,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$44,840$44,441$44,051$43,671$43,300$42,759
2 years$22,198$21,785$21,384$20,996$20,619$20,074
3 years$14,652$14,237$13,837$13,452$13,081$12,551
4 years$10,879$10,465$10,070$9,691$9,330$8,817
5 years$8,616$8,205$7,815$7,444$7,092$6,598
6 years$7,108$6,700$6,315$5,953$5,612$5,138
7 years$6,032$5,627$5,248$4,894$4,564$4,110
8 years$5,224$4,823$4,451$4,106$3,786$3,352
9 years$4,597$4,199$3,833$3,497$3,189$2,774
10 years$4,095$3,702$3,342$3,015$2,717$2,321
11 years$3,685$3,295$2,942$2,624$2,337$1,960
12 years$3,343$2,958$2,611$2,301$2,025$1,667
13 years$3,054$2,673$2,333$2,032$1,766$1,426
14 years$2,807$2,430$2,096$1,803$1,548$1,226
15 years$2,593$2,219$1,893$1,608$1,363$1,058
16 years$2,406$2,036$1,716$1,440$1,204$916
17 years$2,241$1,875$1,561$1,294$1,068$796
18 years$2,094$1,733$1,425$1,166$950$693
19 years$1,963$1,606$1,305$1,054$846$604
20 years$1,845$1,492$1,198$954$756$528
21 years$1,739$1,390$1,101$866$677$462
22 years$1,643$1,298$1,015$787$606$405
23 years$1,555$1,214$937$717$544$356
24 years$1,474$1,137$867$654$489$312
25 years$1,400$1,067$803$597$440$275
26 years$1,332$1,003$745$546$397$242
27 years$1,269$944$691$500$358$213
28 years$1,210$889$643$458$323$188
29 years$1,156$839$598$420$291$165
30 years$1,105$792$557$386$263$146
31 years$1,058$749$519$354$238$129
32 years$1,014$709$485$325$215$114
33 years$972$671$453$299$195$100
34 years$934$636$423$275$176$89
35 years$897$603$395$253$160$78
36 years$862$573$370$233$145$69
37 years$830$544$346$215$131$61
38 years$799$517$324$198$119$54
39 years$770$492$304$183$108$48
40 years$742$468$285$169$98$42
41 years$716$445$267$156$89$37
42 years$691$424$250$144$81$33
43 years$668$404$235$133$73$29
44 years$645$385$221$122$66$26
45 years$624$367$207$113$60$23
46 years$603$350$194$104$55$20
47 years$584$334$183$96$50$18
48 years$565$319$172$89$45$16
49 years$547$305$161$82$41$14
50 years$530$291$152$76$37$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $543,000, adding $3,032 every year, while hoping to spend $24,526 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: 82/5/13 Blend
44$543,000$543,000$543,000$543,000
45$601,514$572,735$564,318$649,128
46$636,772$574,703$557,127$682,769
47$674,806$575,946$548,873$716,168
48$715,871$576,402$539,495$752,117
49$760,249$576,006$528,928$790,858
50$808,253$574,688$517,105$832,659
51$860,222$572,375$503,956$877,817
52$916,532$568,989$489,406$926,655
53$977,595$564,446$473,378$979,532
54$1,043,866$558,660$455,792$1,036,843
55$1,115,842$551,537$436,564$1,099,023
56$1,194,074$542,978$415,604$1,166,549
57$1,279,165$532,879$392,822$1,239,951
58$1,371,778$521,128$368,120$1,319,810
59$1,472,645$507,610$341,398$1,406,766
60$1,582,571$492,198$312,551$1,501,527
61$1,702,440$474,763$281,468$1,604,869
62$1,833,227$455,164$248,035$1,717,652
63$1,976,004$433,255$212,132$1,840,820
64$2,131,952$408,880$173,634$1,975,416
65$2,302,369$381,873$132,409$2,122,587
66$2,488,688$352,062$88,321$2,283,599
67$2,692,482$319,261$41,228$2,459,846
68$2,915,487$283,277$0$2,652,866
69$3,159,612$243,903$0$2,865,606
70$3,426,960$200,922$0$3,104,865
71$3,719,848$154,104$0$3,366,998
72$4,040,825$103,208$0$3,654,298
73$4,392,700$47,977$0$3,969,289
74$4,778,568$0$0$4,314,753
75$5,201,836$0$0$4,694,406
76$5,666,256$0$0$5,113,879
77$6,175,962$0$0$5,574,270
78$6,735,509$0$0$6,079,692
79$7,349,912$0$0$6,634,677
80$8,024,697$0$0$7,244,219
81$8,765,950$0$0$7,913,818
82$9,580,377$0$0$8,649,532
83$10,475,365$0$0$9,458,037
84$11,459,052$0$0$10,346,687
85$12,540,404$0$0$11,323,582
86$13,729,299$0$0$12,397,650
87$15,036,619$0$0$13,578,722
88$16,474,354$0$0$14,877,634
89$18,055,713$0$0$16,306,323
90$19,795,252$0$0$17,877,939
91$21,709,007$0$0$19,606,974
92$23,814,646$0$0$21,509,394
93$26,131,636$0$0$23,602,789
94$28,681,428$0$0$25,906,543
95$31,487,657$0$0$28,442,012
96$34,576,363$0$0$31,232,729
97$37,976,242$0$0$34,304,622
98$41,718,911$0$0$37,686,263
99$45,839,209$0$0$41,409,131
100$50,375,523$0$0$45,507,916