Can I retire at age 45 with 569,000?

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 $569,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$46,987$46,569$46,161$45,762$45,373$44,548
2 years$23,261$22,828$22,408$22,001$21,606$20,778
3 years$15,353$14,918$14,499$14,096$13,708$12,902
4 years$11,400$10,967$10,552$10,156$9,777$9,000
5 years$9,029$8,598$8,189$7,800$7,432$6,686
6 years$7,449$7,021$6,618$6,238$5,881$5,167
7 years$6,320$5,896$5,499$5,129$4,783$4,101
8 years$5,475$5,054$4,664$4,302$3,968$3,318
9 years$4,817$4,400$4,017$3,665$3,341$2,723
10 years$4,291$3,879$3,502$3,159$2,847$2,259
11 years$3,861$3,453$3,083$2,749$2,448$1,891
12 years$3,503$3,099$2,736$2,411$2,122$1,594
13 years$3,201$2,801$2,445$2,129$1,850$1,351
14 years$2,942$2,546$2,197$1,890$1,622$1,150
15 years$2,717$2,326$1,983$1,685$1,428$983
16 years$2,521$2,134$1,798$1,509$1,262$843
17 years$2,348$1,965$1,636$1,356$1,119$725
18 years$2,194$1,816$1,494$1,222$995$625
19 years$2,057$1,683$1,367$1,104$887$540
20 years$1,934$1,564$1,255$1,000$792$467
21 years$1,822$1,457$1,154$908$709$404
22 years$1,721$1,360$1,064$825$635$351
23 years$1,629$1,272$982$752$570$304
24 years$1,545$1,192$908$685$513$265
25 years$1,467$1,118$841$626$461$230
26 years$1,395$1,051$780$572$416$200
27 years$1,329$989$725$524$375$174
28 years$1,268$932$674$480$338$152
29 years$1,211$879$627$440$305$132
30 years$1,158$830$584$404$276$115
31 years$1,109$785$544$371$249$101
32 years$1,062$743$508$341$226$88
33 years$1,019$703$474$314$204$77
34 years$978$667$443$288$185$67
35 years$940$632$414$266$167$58
36 years$904$600$388$245$152$51
37 years$870$570$363$225$137$45
38 years$837$542$340$208$125$39
39 years$807$515$318$192$113$34
40 years$778$490$298$177$103$30
41 years$750$466$280$163$93$26
42 years$724$444$262$150$84$23
43 years$700$423$246$139$77$20
44 years$676$403$231$128$70$17
45 years$654$385$217$118$63$15
46 years$632$367$204$109$57$13
47 years$612$350$191$101$52$12
48 years$592$334$180$93$47$10
49 years$573$319$169$86$43$9
50 years$556$305$159$80$39$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $569,000, adding $5,898 every year, while hoping to spend $21,616 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: 69/18/13 Blend
44$569,000$569,000$569,000$569,000
45$633,122$602,965$594,145$674,583
46$674,701$609,511$591,050$709,449
47$719,797$615,653$587,126$744,432
48$768,745$621,349$582,324$782,144
49$821,915$626,553$576,590$822,850
50$879,713$631,217$569,869$866,843
51$942,587$635,290$562,102$914,445
52$1,011,028$638,716$553,230$966,012
53$1,085,577$641,437$543,187$1,021,935
54$1,166,830$643,392$531,908$1,082,647
55$1,255,442$644,514$519,322$1,148,624
56$1,352,135$644,733$505,357$1,220,392
57$1,457,702$643,974$489,937$1,298,531
58$1,573,019$642,160$472,981$1,383,680
59$1,699,047$639,206$454,405$1,476,544
60$1,836,845$635,022$434,123$1,577,898
61$1,987,580$629,515$412,043$1,688,602
62$2,152,537$622,585$388,070$1,809,598
63$2,333,129$614,125$362,104$1,941,930
64$2,530,915$604,024$334,041$2,086,747
65$2,747,608$592,161$303,771$2,245,315
66$2,985,098$578,411$271,182$2,419,032
67$3,245,465$562,640$236,153$2,609,438
68$3,531,000$544,706$198,562$2,818,233
69$3,844,226$524,461$158,277$3,047,288
70$4,187,922$501,745$115,165$3,298,670
71$4,565,151$476,391$69,084$3,574,656
72$4,979,283$448,222$19,885$3,877,757
73$5,434,035$417,049$0$4,210,741
74$5,933,497$382,676$0$4,581,185
75$6,482,179$344,891$0$4,991,169
76$7,085,044$303,474$0$5,441,666
77$7,747,566$258,191$0$5,936,790
78$8,475,769$208,794$0$6,481,078
79$9,276,295$155,023$0$7,079,529
80$10,156,458$96,600$0$7,737,654
81$11,124,318$33,235$0$8,461,525
82$12,188,755$0$0$9,257,837
83$13,359,552$0$0$10,140,974
84$14,647,488$0$0$11,119,748
85$16,064,439$0$0$12,196,605
86$17,623,491$0$0$13,381,495
87$19,339,061$0$0$14,685,380
88$21,227,035$0$0$16,120,338
89$23,304,917$0$0$17,699,680
90$25,591,994$0$0$19,438,069
91$28,109,518$0$0$21,351,664
92$30,880,903$0$0$23,458,269
93$33,931,953$0$0$25,777,503
94$37,291,097$0$0$28,330,984
95$40,989,664$0$0$31,142,531
96$45,062,173$0$0$34,238,392
97$49,546,663$0$0$37,647,489
98$54,485,047$0$0$41,401,694
99$59,923,512$0$0$45,536,123
100$65,912,951$0$0$50,089,474