Can I retire at age 45 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$60,035$59,500$58,978$58,469$57,972$57,367
2 years$29,720$29,167$28,630$28,110$27,606$26,996
3 years$19,617$19,061$18,526$18,010$17,514$16,919
4 years$14,566$14,012$13,482$12,976$12,491$11,915
5 years$11,536$10,985$10,463$9,966$9,496$8,941
6 years$9,517$8,970$8,455$7,970$7,514$6,980
7 years$8,075$7,533$7,026$6,553$6,111$5,599
8 years$6,995$6,457$5,959$5,497$5,069$4,580
9 years$6,155$5,622$5,132$4,682$4,269$3,801
10 years$5,483$4,956$4,475$4,036$3,637$3,191
11 years$4,934$4,412$3,939$3,513$3,128$2,703
12 years$4,476$3,960$3,496$3,081$2,711$2,306
13 years$4,089$3,579$3,124$2,720$2,364$1,979
14 years$3,758$3,253$2,806$2,415$2,072$1,707
15 years$3,472$2,972$2,534$2,153$1,825$1,478
16 years$3,221$2,726$2,297$1,928$1,613$1,284
17 years$3,000$2,511$2,090$1,732$1,430$1,119
18 years$2,804$2,320$1,908$1,561$1,271$978
19 years$2,628$2,150$1,747$1,411$1,133$856
20 years$2,471$1,998$1,603$1,278$1,012$751
21 years$2,328$1,861$1,475$1,160$906$660
22 years$2,199$1,737$1,359$1,054$812$581
23 years$2,081$1,625$1,255$960$729$512
24 years$1,973$1,522$1,161$876$655$451
25 years$1,874$1,429$1,075$800$589$398
26 years$1,783$1,343$997$731$531$352
27 years$1,699$1,264$926$669$479$311
28 years$1,620$1,191$861$613$432$275
29 years$1,548$1,123$801$562$390$244
30 years$1,480$1,061$746$516$352$216
31 years$1,417$1,003$695$474$319$191
32 years$1,357$949$649$436$288$169
33 years$1,302$899$606$401$261$150
34 years$1,250$852$566$369$236$133
35 years$1,201$808$529$339$214$118
36 years$1,155$767$495$312$194$105
37 years$1,111$728$463$288$176$93
38 years$1,070$692$434$265$159$83
39 years$1,031$658$407$245$144$73
40 years$994$626$381$226$131$65
41 years$959$596$357$208$119$58
42 years$926$568$335$192$108$51
43 years$894$541$315$177$98$46
44 years$864$516$295$164$89$40
45 years$835$492$277$151$81$36
46 years$808$469$260$140$73$32
47 years$782$448$245$129$66$28
48 years$757$427$230$119$60$25
49 years$733$408$216$110$55$22
50 years$710$390$203$102$50$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $727,000, adding $2,622 every year, while hoping to spend $39,253 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: 44/49/7 Blend
44$727,000$727,000$727,000$727,000
45$803,859$765,328$754,059$837,521
46$844,087$761,064$737,555$856,809
47$887,104$755,275$719,183$873,456
48$933,151$747,846$698,838$890,590
49$982,495$738,654$676,412$908,268
50$1,035,428$727,566$651,790$926,557
51$1,092,271$714,447$624,855$945,532
52$1,153,376$699,148$595,481$965,282
53$1,219,129$681,514$563,538$985,902
54$1,289,954$661,383$528,890$1,007,506
55$1,366,317$638,578$491,396$1,030,219
56$1,448,730$612,917$450,906$1,054,184
57$1,537,756$584,205$407,266$1,079,563
58$1,634,011$552,235$360,314$1,106,537
59$1,738,176$516,790$309,880$1,135,313
60$1,850,996$477,640$255,788$1,166,120
61$1,973,293$434,540$197,852$1,199,219
62$2,105,970$387,233$135,881$1,234,901
63$2,250,019$335,447$69,673$1,273,494
64$2,406,532$278,895$0$1,315,362
65$2,576,710$217,273$0$1,360,992
66$2,761,875$150,259$0$1,416,327
67$2,963,480$77,516$0$1,476,687
68$3,183,126$0$0$1,542,666
69$3,422,572$0$0$1,615,632
70$3,683,758$0$0$1,740,893
71$3,968,814$0$0$1,877,684
72$4,280,090$0$0$2,027,144
73$4,620,170$0$0$2,190,524
74$4,991,898$0$0$2,369,202
75$5,398,408$0$0$2,564,696
76$5,843,147$0$0$2,778,675
77$6,329,914$0$0$3,012,980
78$6,862,891$0$0$3,269,637
79$7,446,682$0$0$3,550,878
80$8,086,358$0$0$3,859,158
81$8,787,505$0$0$4,197,185
82$9,556,274$0$0$4,567,939
83$10,399,439$0$0$4,974,703
84$11,324,462$0$0$5,421,093
85$12,339,563$0$0$5,911,093
86$13,453,794$0$0$6,449,090
87$14,677,128$0$0$7,039,917
88$16,020,549$0$0$7,688,898
89$17,496,160$0$0$8,401,899
90$19,117,291$0$0$9,185,382
91$20,898,628$0$0$10,046,464
92$22,856,350$0$0$10,992,988
93$25,008,280$0$0$12,033,593
94$27,374,055$0$0$13,177,799
95$29,975,309$0$0$14,436,092
96$32,835,879$0$0$15,820,027
97$35,982,023$0$0$17,342,335
98$39,442,676$0$0$19,017,040
99$43,249,716$0$0$20,859,598
100$47,438,267$0$0$22,887,036