Can I retire at age 45 with 736,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$60,778$60,237$59,709$59,193$58,690$58,125
2 years$30,088$29,528$28,985$28,458$27,947$27,379
3 years$19,860$19,297$18,755$18,233$17,731$17,176
4 years$14,746$14,185$13,649$13,136$12,646$12,108
5 years$11,679$11,121$10,592$10,090$9,613$9,095
6 years$9,635$9,081$8,560$8,069$7,607$7,108
7 years$8,175$7,627$7,113$6,634$6,186$5,708
8 years$7,081$6,537$6,033$5,565$5,132$4,674
9 years$6,231$5,692$5,196$4,740$4,322$3,884
10 years$5,551$5,017$4,530$4,086$3,683$3,264
11 years$4,995$4,467$3,988$3,556$3,167$2,768
12 years$4,532$4,009$3,539$3,119$2,745$2,365
13 years$4,140$3,623$3,162$2,754$2,393$2,032
14 years$3,805$3,293$2,841$2,444$2,098$1,755
15 years$3,515$3,008$2,565$2,180$1,847$1,522
16 years$3,261$2,760$2,326$1,952$1,633$1,324
17 years$3,037$2,542$2,116$1,754$1,448$1,156
18 years$2,838$2,349$1,932$1,581$1,287$1,011
19 years$2,661$2,177$1,769$1,428$1,147$887
20 years$2,501$2,023$1,623$1,293$1,025$779
21 years$2,357$1,884$1,493$1,174$917$686
22 years$2,226$1,759$1,376$1,067$822$604
23 years$2,107$1,645$1,271$972$738$533
24 years$1,998$1,541$1,175$887$663$471
25 years$1,898$1,446$1,088$810$597$416
26 years$1,805$1,359$1,009$740$538$368
27 years$1,720$1,279$937$678$485$326
28 years$1,640$1,206$871$621$437$289
29 years$1,567$1,137$811$569$395$256
30 years$1,498$1,074$755$523$357$227
31 years$1,434$1,015$704$480$323$202
32 years$1,374$961$657$441$292$179
33 years$1,318$910$613$406$264$159
34 years$1,265$862$573$373$239$141
35 years$1,216$818$536$344$217$125
36 years$1,169$776$501$316$196$112
37 years$1,125$737$469$291$178$99
38 years$1,083$701$439$269$161$88
39 years$1,044$666$412$248$146$78
40 years$1,006$634$386$228$133$70
41 years$971$603$362$211$120$62
42 years$937$575$339$195$109$55
43 years$905$548$318$180$99$49
44 years$874$522$299$166$90$44
45 years$845$498$281$153$82$39
46 years$818$475$264$141$74$35
47 years$791$453$248$131$67$31
48 years$766$433$233$121$61$27
49 years$742$413$219$112$56$24
50 years$719$395$206$103$50$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $736,000, adding $5,279 every year, while hoping to spend $47,397 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: 47/27/26 Blend
44$736,000$736,000$736,000$736,000
45$816,517$777,509$766,101$848,599
46$849,372$765,177$741,336$859,373
47$883,989$750,652$714,152$865,995
48$920,499$733,777$684,419$872,251
49$959,043$714,385$651,999$878,128
50$999,774$692,299$616,751$883,619
51$1,042,862$667,332$578,522$888,718
52$1,088,490$639,287$537,159$893,422
53$1,136,858$607,955$492,496$897,732
54$1,188,186$573,113$444,363$901,653
55$1,242,714$534,529$392,582$905,195
56$1,300,704$491,953$336,966$908,374
57$1,362,442$445,126$277,321$911,212
58$1,428,243$393,769$213,444$913,739
59$1,498,451$337,591$145,122$915,993
60$1,573,443$276,283$72,133$918,024
61$1,653,632$209,519$0$919,890
62$1,739,471$136,953$0$923,261
63$1,831,456$58,223$0$948,087
64$1,930,132$0$0$974,506
65$2,036,097$0$0$1,010,753
66$2,150,007$0$0$1,068,371
67$2,272,582$0$0$1,130,433
68$2,404,612$0$0$1,197,348
69$2,546,967$0$0$1,269,564
70$2,700,600$0$0$1,347,574
71$2,866,560$0$0$1,431,920
72$3,045,998$0$0$1,523,195
73$3,240,181$0$0$1,622,055
74$3,450,501$0$0$1,729,219
75$3,678,487$0$0$1,845,477
76$3,925,824$0$0$1,971,700
77$4,194,360$0$0$2,108,845
78$4,486,133$0$0$2,257,963
79$4,803,381$0$0$2,420,212
80$5,148,568$0$0$2,596,867
81$5,524,404$0$0$2,789,329
82$5,933,871$0$0$2,999,142
83$6,380,253$0$0$3,228,002
84$6,867,161$0$0$3,477,778
85$7,398,571$0$0$3,750,529
86$7,978,861$0$0$4,048,517
87$8,612,848$0$0$4,374,236
88$9,305,835$0$0$4,730,431
89$10,063,664$0$0$5,120,124
90$10,892,763$0$0$5,546,641
91$11,800,212$0$0$6,013,648
92$12,793,807$0$0$6,525,179
93$13,882,133$0$0$7,085,677
94$15,074,644$0$0$7,700,037
95$16,381,752$0$0$8,373,647
96$17,814,924$0$0$9,112,444
97$19,386,790$0$0$9,922,966
98$21,111,261$0$0$10,812,414
99$23,003,659$0$0$11,788,721
100$25,080,861$0$0$12,860,625