Can I retire at age 45 with 751,000?

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 $751,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$62,017$61,464$60,926$60,399$59,886$58,701
2 years$30,701$30,130$29,575$29,038$28,517$27,328
3 years$20,264$19,690$19,137$18,605$18,092$16,937
4 years$15,047$14,474$13,927$13,404$12,904$11,790
5 years$11,917$11,348$10,808$10,295$9,809$8,741
6 years$9,831$9,266$8,734$8,233$7,762$6,740
7 years$8,342$7,782$7,258$6,769$6,312$5,337
8 years$7,226$6,671$6,156$5,678$5,237$4,308
9 years$6,358$5,808$5,302$4,837$4,410$3,527
10 years$5,664$5,119$4,622$4,169$3,758$2,920
11 years$5,096$4,558$4,069$3,629$3,232$2,438
12 years$4,624$4,091$3,611$3,183$2,800$2,049
13 years$4,224$3,697$3,227$2,810$2,442$1,732
14 years$3,882$3,360$2,899$2,494$2,141$1,471
15 years$3,586$3,070$2,618$2,224$1,885$1,254
16 years$3,327$2,816$2,373$1,992$1,666$1,072
17 years$3,099$2,594$2,159$1,790$1,477$920
18 years$2,896$2,397$1,971$1,613$1,313$790
19 years$2,715$2,221$1,805$1,457$1,171$680
20 years$2,552$2,064$1,656$1,320$1,046$587
21 years$2,405$1,923$1,523$1,198$936$507
22 years$2,272$1,795$1,404$1,089$839$438
23 years$2,150$1,679$1,296$992$753$379
24 years$2,039$1,573$1,199$905$677$328
25 years$1,936$1,476$1,110$826$609$285
26 years$1,842$1,387$1,030$755$548$247
27 years$1,755$1,305$956$691$495$214
28 years$1,674$1,230$889$634$446$186
29 years$1,599$1,160$827$581$403$162
30 years$1,529$1,096$771$533$364$140
31 years$1,463$1,036$718$490$329$122
32 years$1,402$980$670$450$298$106
33 years$1,345$928$626$414$269$92
34 years$1,291$880$585$381$244$80
35 years$1,240$835$547$351$221$70
36 years$1,193$792$511$323$200$61
37 years$1,148$752$479$297$181$53
38 years$1,105$715$448$274$165$46
39 years$1,065$680$420$253$149$40
40 years$1,027$647$394$233$135$35
41 years$991$616$369$215$123$30
42 years$956$586$346$199$111$26
43 years$923$559$325$183$101$23
44 years$892$533$305$169$92$20
45 years$863$508$286$156$83$17
46 years$834$484$269$144$76$15
47 years$807$462$253$133$69$13
48 years$782$441$237$123$62$12
49 years$757$421$223$114$57$10
50 years$733$403$210$105$51$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $751,000, adding $4,579 every year, while hoping to spend $32,178 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: 34/48/18 Blend
44$751,000$751,000$751,000$751,000
45$832,325$792,522$780,882$855,870
46$882,985$797,119$772,804$878,166
47$937,734$800,862$763,377$898,880
48$996,955$803,676$752,523$920,538
49$1,061,069$805,481$740,157$943,242
50$1,130,539$806,190$726,193$967,106
51$1,205,874$805,713$710,540$992,259
52$1,287,633$803,954$693,104$1,018,844
53$1,376,433$800,809$673,784$1,047,022
54$1,472,951$796,170$652,477$1,076,972
55$1,577,931$789,922$629,075$1,108,895
56$1,692,194$781,942$603,462$1,143,015
57$1,816,641$772,100$575,521$1,179,584
58$1,952,264$760,259$545,127$1,218,881
59$2,100,157$746,273$512,151$1,261,217
60$2,261,520$729,988$476,455$1,306,939
61$2,437,678$711,240$437,899$1,356,436
62$2,630,086$689,855$396,334$1,410,139
63$2,840,348$665,652$351,605$1,468,526
64$3,070,231$638,436$303,550$1,532,132
65$3,321,676$608,001$252,001$1,601,550
66$3,596,825$574,131$196,780$1,677,441
67$3,898,033$536,596$137,705$1,760,537
68$4,227,896$495,153$74,582$1,851,653
69$4,589,272$449,545$7,210$1,951,692
70$4,985,307$399,502$0$2,061,660
71$5,419,467$344,737$0$2,195,093
72$5,895,570$284,946$0$2,343,088
73$6,417,820$219,810$0$2,505,674
74$6,990,848$148,991$0$2,684,413
75$7,619,755$72,132$0$2,881,039
76$8,310,159$0$0$3,097,465
77$9,068,249$0$0$3,341,697
78$9,900,845$0$0$3,651,890
79$10,815,455$0$0$3,992,757
80$11,820,354$0$0$4,367,396
81$12,924,658$0$0$4,779,221
82$14,138,407$0$0$5,231,991
83$15,472,665$0$0$5,729,851
84$16,939,620$0$0$6,277,365
85$18,552,699$0$0$6,879,562
86$20,326,698$0$0$7,541,984
87$22,277,915$0$0$8,270,734
88$24,424,310$0$0$9,072,540
89$26,785,670$0$0$9,954,814
90$29,383,797$0$0$10,925,721
91$32,242,710$0$0$11,994,259
92$35,388,879$0$0$13,170,342
93$38,851,466$0$0$14,464,896
94$42,662,603$0$0$15,889,955
95$46,857,697$0$0$17,458,785
96$51,475,762$0$0$19,185,999
97$56,559,784$0$0$21,087,701
98$62,157,132$0$0$23,181,635
99$68,319,998$0$0$25,487,355
100$75,105,897$0$0$28,026,406