Can I retire at age 45 with 735,000?

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 $735,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$60,696$60,155$59,627$59,113$58,610$57,615
2 years$30,047$29,488$28,945$28,420$27,909$26,910
3 years$19,833$19,271$18,730$18,209$17,707$16,735
4 years$14,726$14,166$13,630$13,118$12,629$11,691
5 years$11,663$11,106$10,578$10,076$9,600$8,699
6 years$9,622$9,069$8,548$8,058$7,596$6,733
7 years$8,164$7,616$7,104$6,625$6,178$5,353
8 years$7,072$6,528$6,025$5,557$5,125$4,338
9 years$6,222$5,684$5,189$4,734$4,316$3,567
10 years$5,543$5,010$4,524$4,081$3,678$2,965
11 years$4,988$4,460$3,983$3,551$3,163$2,486
12 years$4,525$4,003$3,535$3,115$2,741$2,100
13 years$4,134$3,618$3,158$2,750$2,390$1,783
14 years$3,800$3,289$2,837$2,441$2,095$1,522
15 years$3,510$3,004$2,562$2,177$1,845$1,303
16 years$3,256$2,756$2,323$1,949$1,630$1,120
17 years$3,033$2,538$2,113$1,751$1,446$965
18 years$2,835$2,346$1,929$1,578$1,285$834
19 years$2,657$2,174$1,766$1,426$1,146$722
20 years$2,498$2,020$1,621$1,292$1,023$626
21 years$2,354$1,882$1,491$1,172$916$543
22 years$2,223$1,756$1,374$1,066$821$472
23 years$2,104$1,643$1,269$971$737$411
24 years$1,995$1,539$1,173$885$662$358
25 years$1,895$1,444$1,087$809$596$312
26 years$1,803$1,358$1,008$739$537$272
27 years$1,717$1,278$936$677$484$237
28 years$1,638$1,204$870$620$437$207
29 years$1,565$1,136$810$569$394$181
30 years$1,496$1,073$754$522$356$158
31 years$1,432$1,014$703$479$322$138
32 years$1,372$959$656$440$291$121
33 years$1,316$909$613$405$264$106
34 years$1,264$861$572$373$239$93
35 years$1,214$817$535$343$216$81
36 years$1,167$775$501$316$196$71
37 years$1,123$736$469$291$178$62
38 years$1,082$700$439$268$161$54
39 years$1,042$665$411$247$146$48
40 years$1,005$633$385$228$132$42
41 years$969$603$361$211$120$37
42 years$936$574$339$194$109$32
43 years$904$547$318$179$99$28
44 years$873$521$298$166$90$25
45 years$844$497$280$153$82$22
46 years$817$474$263$141$74$19
47 years$790$452$247$131$67$17
48 years$765$432$232$121$61$14
49 years$741$412$218$111$55$13
50 years$718$394$205$103$50$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $735,000, adding $4,348 every year, while hoping to spend $25,183 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: 69/6/25 Blend
44$735,000$735,000$735,000$735,000
45$814,455$775,500$764,107$865,165
46$870,735$786,705$762,911$910,911
47$931,911$797,615$760,830$957,646
48$998,457$808,189$757,808$1,008,202
49$1,070,892$818,383$753,788$1,062,957
50$1,149,790$828,150$748,706$1,122,326
51$1,235,780$837,441$742,498$1,186,770
52$1,329,554$846,201$735,098$1,256,794
53$1,431,878$854,373$726,432$1,332,957
54$1,543,589$861,897$716,428$1,415,875
55$1,665,614$868,709$705,006$1,506,226
56$1,798,969$874,738$692,086$1,604,759
57$1,944,775$879,912$677,583$1,712,299
58$2,104,267$884,152$661,406$1,829,758
59$2,278,802$887,375$643,463$1,958,138
60$2,469,876$889,493$623,656$2,098,546
61$2,679,137$890,412$601,882$2,252,202
62$2,908,399$890,032$578,035$2,420,452
63$3,159,659$888,247$552,003$2,604,780
64$3,435,118$884,945$523,668$2,806,822
65$3,737,199$880,005$492,910$3,028,380
66$4,068,570$873,303$459,599$3,271,444
67$4,432,171$864,702$423,603$3,538,206
68$4,831,241$854,061$384,782$3,831,083
69$5,269,347$841,229$342,991$4,152,741
70$5,750,417$826,045$298,078$4,506,117
71$6,278,779$808,341$249,883$4,894,451
72$6,859,201$787,937$198,241$5,321,315
73$7,496,936$764,642$142,979$5,790,646
74$8,197,770$738,256$83,915$6,306,784
75$8,968,078$708,566$20,861$6,874,515
76$9,814,882$675,346$0$7,499,113
77$10,745,920$638,358$0$8,198,780
78$11,769,717$597,350$0$8,974,283
79$12,895,664$552,056$0$9,827,177
80$14,134,109$502,194$0$10,765,313
81$15,496,452$447,466$0$11,797,339
82$16,995,255$387,557$0$12,932,786
83$18,644,359$322,134$0$14,182,159
84$20,459,012$250,847$0$15,557,028
85$22,456,016$173,325$0$17,070,146
86$24,653,886$89,174$0$18,735,566
87$27,073,021$0$0$20,568,773
88$29,735,897$0$0$22,586,962
89$32,667,282$0$0$24,815,184
90$35,894,464$0$0$27,268,302
91$39,447,516$0$0$29,969,179
92$43,359,571$0$0$32,943,011
93$47,667,141$0$0$36,217,559
94$52,410,457$0$0$39,823,413
95$57,633,852$0$0$43,794,281
96$63,386,174$0$0$48,167,308
97$69,721,254$0$0$52,983,422
98$76,698,408$0$0$58,287,727
99$84,382,997$0$0$64,129,920
100$92,847,046$0$0$70,564,768