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%19.5%
1 years$59,952$59,418$58,897$58,389$57,892$55,683
2 years$29,679$29,127$28,591$28,072$27,568$25,368
3 years$19,590$19,035$18,500$17,986$17,490$15,369
4 years$14,546$13,992$13,463$12,958$12,474$10,448
5 years$11,520$10,970$10,448$9,953$9,483$7,557
6 years$9,504$8,958$8,444$7,959$7,503$5,679
7 years$8,064$7,523$7,017$6,544$6,102$4,378
8 years$6,985$6,449$5,951$5,489$5,062$3,438
9 years$6,146$5,615$5,125$4,676$4,263$2,735
10 years$5,475$4,949$4,468$4,031$3,632$2,199
11 years$4,927$4,406$3,934$3,508$3,124$1,781
12 years$4,470$3,954$3,491$3,077$2,707$1,452
13 years$4,084$3,574$3,119$2,716$2,361$1,189
14 years$3,753$3,248$2,803$2,411$2,069$977
15 years$3,467$2,967$2,530$2,150$1,822$806
16 years$3,216$2,723$2,294$1,925$1,610$666
17 years$2,996$2,507$2,088$1,730$1,428$552
18 years$2,800$2,317$1,906$1,559$1,270$458
19 years$2,625$2,147$1,745$1,409$1,132$381
20 years$2,467$1,995$1,601$1,276$1,011$317
21 years$2,325$1,859$1,473$1,158$905$264
22 years$2,196$1,735$1,357$1,053$811$220
23 years$2,078$1,623$1,253$959$728$183
24 years$1,971$1,520$1,159$875$654$153
25 years$1,872$1,427$1,074$799$589$128
26 years$1,781$1,341$996$730$530$107
27 years$1,696$1,262$925$668$478$89
28 years$1,618$1,189$859$612$431$75
29 years$1,545$1,122$800$562$390$62
30 years$1,478$1,059$745$515$352$52
31 years$1,415$1,002$695$473$318$44
32 years$1,356$948$648$435$288$36
33 years$1,300$897$605$400$260$30
34 years$1,248$851$565$368$236$25
35 years$1,199$807$529$339$214$21
36 years$1,153$766$494$312$194$18
37 years$1,110$727$463$288$175$15
38 years$1,068$691$433$265$159$12
39 years$1,029$657$406$244$144$10
40 years$993$625$381$225$131$9
41 years$958$595$357$208$119$7
42 years$924$567$335$192$108$6
43 years$893$540$314$177$98$5
44 years$863$515$295$164$89$4
45 years$834$491$277$151$81$4
46 years$807$468$260$140$73$3
47 years$780$447$244$129$66$3
48 years$756$427$230$119$60$2
49 years$732$407$216$110$55$2
50 years$709$389$203$102$50$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $726,000, adding $6,911 every year, while hoping to spend $32,164 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: 29/47/24 Blend
44$726,000$726,000$726,000$726,000
45$807,181$768,703$757,450$824,398
46$855,291$772,147$748,602$841,784
47$907,230$774,682$738,380$857,163
48$963,356$776,229$726,703$873,033
49$1,024,059$776,705$713,489$889,459
50$1,089,770$776,021$698,648$906,513
51$1,160,964$774,084$682,090$924,277
52$1,238,161$770,792$663,719$942,844
53$1,321,934$766,041$643,434$962,321
54$1,412,911$759,718$621,129$982,827
55$1,511,787$751,703$596,696$1,004,497
56$1,619,324$741,870$570,019$1,027,486
57$1,736,359$730,086$540,979$1,051,964
58$1,863,815$716,208$509,450$1,078,125
59$2,002,708$700,086$475,300$1,106,188
60$2,154,154$681,560$438,393$1,136,397
61$2,319,384$660,463$398,585$1,169,027
62$2,499,751$636,615$355,727$1,204,385
63$2,696,745$609,829$309,663$1,242,815
64$2,912,005$579,903$260,230$1,284,703
65$3,147,339$546,627$207,256$1,330,479
66$3,404,733$509,777$150,564$1,380,625
67$3,686,376$469,117$89,969$1,435,678
68$3,994,680$424,397$25,276$1,496,236
69$4,332,298$375,353$0$1,562,968
70$4,702,153$321,706$0$1,647,825
71$5,107,464$263,161$0$1,748,065
72$5,551,776$199,406$0$1,858,186
73$6,038,993$130,113$0$1,979,275
74$6,573,416$54,934$0$2,112,534
75$7,159,781$0$0$2,259,295
76$7,803,305$0$0$2,434,738
77$8,509,736$0$0$2,658,639
78$9,285,403$0$0$2,904,609
79$10,137,280$0$0$3,174,873
80$11,073,048$0$0$3,471,884
81$12,101,171$0$0$3,798,346
82$13,230,970$0$0$4,157,236
83$14,472,716$0$0$4,551,833
84$15,837,724$0$0$4,985,751
85$17,338,460$0$0$5,462,973
86$18,988,658$0$0$5,987,884
87$20,803,448$0$0$6,565,319
88$22,799,503$0$0$7,200,602
89$24,995,189$0$0$7,899,601
90$27,410,745$0$0$8,668,781
91$30,068,467$0$0$9,515,265
92$32,992,925$0$0$10,446,902
93$36,211,189$0$0$11,472,340
94$39,753,084$0$0$12,601,107
95$43,651,475$0$0$13,843,705
96$47,942,575$0$0$15,211,702
97$52,666,285$0$0$16,717,847
98$57,866,570$0$0$18,376,187
99$63,591,877$0$0$20,202,201
100$69,895,587$0$0$22,212,945