Can I retire at age 45 with 726,000?

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 $726,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$59,952$59,418$58,897$58,389$57,892$57,098
2 years$29,679$29,127$28,591$28,072$27,568$26,769
3 years$19,590$19,035$18,500$17,986$17,490$16,711
4 years$14,546$13,992$13,463$12,958$12,474$11,722
5 years$11,520$10,970$10,448$9,953$9,483$8,759
6 years$9,504$8,958$8,444$7,959$7,503$6,809
7 years$8,064$7,523$7,017$6,544$6,102$5,437
8 years$6,985$6,449$5,951$5,489$5,062$4,427
9 years$6,146$5,615$5,125$4,676$4,263$3,657
10 years$5,475$4,949$4,468$4,031$3,632$3,055
11 years$4,927$4,406$3,934$3,508$3,124$2,575
12 years$4,470$3,954$3,491$3,077$2,707$2,186
13 years$4,084$3,574$3,119$2,716$2,361$1,866
14 years$3,753$3,248$2,803$2,411$2,069$1,601
15 years$3,467$2,967$2,530$2,150$1,822$1,379
16 years$3,216$2,723$2,294$1,925$1,610$1,191
17 years$2,996$2,507$2,088$1,730$1,428$1,033
18 years$2,800$2,317$1,906$1,559$1,270$897
19 years$2,625$2,147$1,745$1,409$1,132$781
20 years$2,467$1,995$1,601$1,276$1,011$681
21 years$2,325$1,859$1,473$1,158$905$595
22 years$2,196$1,735$1,357$1,053$811$520
23 years$2,078$1,623$1,253$959$728$455
24 years$1,971$1,520$1,159$875$654$399
25 years$1,872$1,427$1,074$799$589$350
26 years$1,781$1,341$996$730$530$307
27 years$1,696$1,262$925$668$478$270
28 years$1,618$1,189$859$612$431$237
29 years$1,545$1,122$800$562$390$209
30 years$1,478$1,059$745$515$352$184
31 years$1,415$1,002$695$473$318$162
32 years$1,356$948$648$435$288$142
33 years$1,300$897$605$400$260$125
34 years$1,248$851$565$368$236$110
35 years$1,199$807$529$339$214$97
36 years$1,153$766$494$312$194$86
37 years$1,110$727$463$288$175$76
38 years$1,068$691$433$265$159$67
39 years$1,029$657$406$244$144$59
40 years$993$625$381$225$131$52
41 years$958$595$357$208$119$46
42 years$924$567$335$192$108$40
43 years$893$540$314$177$98$36
44 years$863$515$295$164$89$31
45 years$834$491$277$151$81$28
46 years$807$468$260$140$73$24
47 years$780$447$244$129$66$22
48 years$756$427$230$119$60$19
49 years$732$407$216$110$55$17
50 years$709$389$203$102$50$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $726,000, adding $2,025 every year, while hoping to spend $33,326 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: 59/13/28 Blend
44$726,000$726,000$726,000$726,000
45$802,141$763,663$752,410$843,250
46$848,501$765,624$742,157$873,544
47$898,472$766,564$730,444$902,858
48$952,389$766,398$717,186$934,141
49$1,010,616$765,035$702,295$967,595
50$1,073,557$762,380$685,680$1,003,441
51$1,141,653$758,330$667,244$1,041,925
52$1,215,391$752,777$646,886$1,083,318
53$1,295,305$745,607$624,501$1,127,923
54$1,381,982$736,698$599,978$1,176,073
55$1,476,069$725,921$573,201$1,228,137
56$1,578,276$713,139$544,052$1,284,523
57$1,689,385$698,208$512,402$1,345,685
58$1,810,256$680,974$478,122$1,412,122
59$1,941,836$661,275$441,072$1,484,388
60$2,085,165$638,939$401,110$1,563,094
61$2,241,389$613,785$358,085$1,648,918
62$2,411,770$585,619$311,839$1,742,608
63$2,597,695$554,239$262,210$1,844,991
64$2,800,692$519,429$209,026$1,956,981
65$3,022,442$480,961$152,109$2,079,591
66$3,264,798$438,594$91,271$2,213,935
67$3,529,796$392,075$26,318$2,361,250
68$3,819,683$341,134$0$2,522,899
69$4,136,928$285,487$0$2,713,234
70$4,484,253$224,834$0$2,930,300
71$4,864,653$158,857$0$3,168,129
72$5,281,429$87,223$0$3,428,822
73$5,738,215$9,576$0$3,714,693
74$6,239,012$0$0$4,028,291
75$6,788,229$0$0$4,383,080
76$7,390,720$0$0$4,773,847
77$8,051,834$0$0$5,202,699
78$8,777,459$0$0$5,673,464
79$9,574,085$0$0$6,190,360
80$10,448,859$0$0$6,758,033
81$11,409,653$0$0$7,381,601
82$12,465,142$0$0$8,066,701
83$13,624,878$0$0$8,819,546
84$14,899,389$0$0$9,646,976
85$16,300,271$0$0$10,556,532
86$17,840,298$0$0$11,556,517
87$19,533,547$0$0$12,656,082
88$21,395,523$0$0$13,865,309
89$23,443,312$0$0$15,195,302
90$25,695,736$0$0$16,658,301
91$28,173,536$0$0$18,267,788
92$30,899,562$0$0$20,038,618
93$33,898,991$0$0$21,987,159
94$37,199,563$0$0$24,131,447
95$40,831,844$0$0$26,491,352
96$44,829,513$0$0$29,088,770
97$49,229,678$0$0$31,947,827
98$54,073,227$0$0$35,095,105
99$59,405,215$0$0$38,559,897
100$65,275,286$0$0$42,374,479