Can I retire at age 45 with 737,000?

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 $737,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$60,861$60,319$59,790$59,274$58,769$56,775
2 years$30,129$29,568$29,024$28,497$27,985$25,996
3 years$19,887$19,323$18,781$18,258$17,755$15,833
4 years$14,766$14,204$13,667$13,154$12,663$10,823
5 years$11,695$11,136$10,606$10,104$9,626$7,873
6 years$9,648$9,094$8,572$8,080$7,617$5,953
7 years$8,187$7,637$7,123$6,643$6,195$4,619
8 years$7,091$6,546$6,041$5,573$5,139$3,650
9 years$6,239$5,700$5,203$4,747$4,328$2,924
10 years$5,558$5,024$4,536$4,092$3,688$2,367
11 years$5,001$4,473$3,994$3,561$3,171$1,931
12 years$4,538$4,014$3,544$3,123$2,748$1,585
13 years$4,146$3,628$3,166$2,758$2,397$1,308
14 years$3,810$3,298$2,845$2,448$2,101$1,084
15 years$3,519$3,012$2,569$2,183$1,850$901
16 years$3,265$2,764$2,329$1,955$1,635$751
17 years$3,041$2,545$2,119$1,756$1,449$627
18 years$2,842$2,352$1,935$1,583$1,289$525
19 years$2,665$2,180$1,771$1,430$1,149$440
20 years$2,505$2,026$1,625$1,295$1,026$369
21 years$2,360$1,887$1,495$1,176$918$310
22 years$2,229$1,761$1,378$1,069$823$261
23 years$2,110$1,647$1,272$973$739$219
24 years$2,001$1,543$1,177$888$664$185
25 years$1,900$1,448$1,090$811$598$155
26 years$1,808$1,361$1,011$741$538$131
27 years$1,722$1,281$939$679$485$110
28 years$1,643$1,207$872$622$438$93
29 years$1,569$1,139$812$570$395$79
30 years$1,500$1,075$756$523$357$66
31 years$1,436$1,017$705$481$323$56
32 years$1,376$962$658$442$292$47
33 years$1,320$911$614$406$264$40
34 years$1,267$863$574$374$239$34
35 years$1,217$819$537$344$217$28
36 years$1,171$777$502$317$196$24
37 years$1,126$738$470$292$178$20
38 years$1,085$702$440$269$161$17
39 years$1,045$667$412$248$146$14
40 years$1,008$635$386$229$133$12
41 years$972$604$362$211$120$10
42 years$938$575$340$195$109$9
43 years$906$548$319$180$99$7
44 years$876$523$299$166$90$6
45 years$847$498$281$153$82$5
46 years$819$475$264$142$74$4
47 years$792$454$248$131$67$4
48 years$767$433$233$121$61$3
49 years$743$414$219$112$56$3
50 years$720$395$206$103$50$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $737,000, adding $2,325 every year, while hoping to spend $50,056 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: 30/41/29 Blend
44$737,000$737,000$737,000$737,000
45$814,572$775,511$764,088$831,701
46$844,399$760,252$736,425$830,070
47$875,591$742,568$706,159$823,806
48$908,234$722,286$673,148$816,086
49$942,422$699,226$637,246$806,818
50$978,255$673,194$598,300$795,907
51$1,015,844$643,988$556,150$783,254
52$1,055,308$611,391$510,629$768,756
53$1,096,777$575,177$461,563$752,307
54$1,140,391$535,103$408,768$733,793
55$1,186,304$490,916$352,054$713,099
56$1,234,682$442,345$291,223$690,105
57$1,285,706$389,108$226,066$664,686
58$1,339,576$330,901$156,367$636,714
59$1,396,506$267,409$81,898$606,055
60$1,456,732$198,294$2,424$572,573
61$1,520,511$123,203$0$536,125
62$1,588,125$41,762$0$522,061
63$1,659,879$0$0$507,195
64$1,736,110$0$0$511,653
65$1,817,185$0$0$536,493
66$1,903,505$0$0$563,006
67$1,995,510$0$0$591,335
68$2,093,682$0$0$621,636
69$2,198,548$0$0$654,083
70$2,310,687$0$0$688,865
71$2,430,732$0$0$726,188
72$2,559,380$0$0$766,280
73$2,697,392$0$0$809,391
74$2,845,605$0$0$855,796
75$3,004,937$0$0$905,795
76$3,176,398$0$0$959,720
77$3,361,094$0$0$1,017,932
78$3,560,241$0$0$1,080,833
79$3,775,175$0$0$1,148,861
80$4,007,364$0$0$1,222,497
81$4,258,420$0$0$1,302,273
82$4,530,116$0$0$1,388,770
83$4,824,402$0$0$1,482,631
84$5,143,419$0$0$1,584,560
85$5,489,525$0$0$1,695,334
86$5,865,310$0$0$1,815,804
87$6,273,624$0$0$1,946,909
88$6,717,603$0$0$2,089,684
89$7,200,696$0$0$2,245,263
90$7,726,699$0$0$2,414,898
91$8,299,787$0$0$2,599,965
92$8,924,556$0$0$2,801,979
93$9,606,064$0$0$3,022,609
94$10,349,880$0$0$3,263,690
95$11,162,130$0$0$3,527,243
96$12,049,562$0$0$3,815,495
97$13,019,602$0$0$4,130,896
98$14,080,427$0$0$4,476,143
99$15,241,040$0$0$4,854,208
100$16,511,355$0$0$5,268,363