Can I retire at age 45 with 752,000?

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 $752,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$62,099$61,546$61,007$60,480$59,966$58,683
2 years$30,742$30,170$29,615$29,077$28,555$27,269
3 years$20,291$19,716$19,163$18,630$18,116$16,867
4 years$15,067$14,494$13,946$13,422$12,921$11,718
5 years$11,933$11,363$10,822$10,309$9,822$8,669
6 years$9,844$9,279$8,746$8,244$7,772$6,670
7 years$8,353$7,792$7,268$6,778$6,321$5,270
8 years$7,235$6,679$6,164$5,686$5,244$4,244
9 years$6,366$5,816$5,309$4,843$4,416$3,466
10 years$5,671$5,126$4,628$4,175$3,763$2,862
11 years$5,103$4,564$4,075$3,633$3,236$2,384
12 years$4,630$4,096$3,616$3,187$2,804$1,999
13 years$4,230$3,702$3,231$2,814$2,445$1,685
14 years$3,888$3,365$2,903$2,498$2,144$1,427
15 years$3,591$3,074$2,621$2,227$1,887$1,213
16 years$3,332$2,820$2,376$1,994$1,668$1,035
17 years$3,103$2,597$2,162$1,792$1,479$885
18 years$2,900$2,400$1,974$1,615$1,315$758
19 years$2,719$2,224$1,807$1,459$1,172$651
20 years$2,556$2,067$1,658$1,322$1,047$559
21 years$2,409$1,925$1,525$1,199$937$482
22 years$2,275$1,797$1,406$1,091$840$415
23 years$2,153$1,681$1,298$993$754$358
24 years$2,041$1,575$1,201$906$678$309
25 years$1,939$1,478$1,112$827$610$267
26 years$1,844$1,389$1,031$756$549$231
27 years$1,757$1,307$958$692$495$200
28 years$1,676$1,232$890$634$447$173
29 years$1,601$1,162$828$582$403$150
30 years$1,531$1,097$772$534$365$130
31 years$1,465$1,037$719$490$330$112
32 years$1,404$982$671$451$298$97
33 years$1,347$930$627$414$270$84
34 years$1,293$881$586$381$244$73
35 years$1,242$836$547$351$221$63
36 years$1,194$793$512$323$200$55
37 years$1,149$753$479$298$182$48
38 years$1,107$716$449$275$165$41
39 years$1,066$681$421$253$149$36
40 years$1,028$648$394$233$135$31
41 years$992$617$370$215$123$27
42 years$957$587$347$199$112$23
43 years$925$559$325$184$101$20
44 years$893$533$305$169$92$18
45 years$864$509$287$156$83$15
46 years$835$485$269$145$76$13
47 years$808$463$253$134$69$12
48 years$783$442$238$123$62$10
49 years$758$422$224$114$57$9
50 years$734$403$210$105$52$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $752,000, adding $3,471 every year, while hoping to spend $49,059 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: 45/37/18 Blend
44$752,000$752,000$752,000$752,000
45$832,284$792,428$780,772$865,291
46$864,979$779,059$754,730$875,379
47$899,364$763,390$726,171$881,151
48$935,561$745,258$694,959$886,376
49$973,700$724,487$660,952$891,023
50$1,013,924$700,894$624,001$895,066
51$1,056,390$674,284$583,951$898,477
52$1,101,268$644,450$540,639$901,229
53$1,148,743$611,173$493,895$903,299
54$1,199,017$574,223$443,543$904,665
55$1,252,311$533,355$389,397$905,306
56$1,308,869$488,310$331,263$905,207
57$1,368,952$438,817$268,940$904,356
58$1,432,852$384,585$202,216$902,745
59$1,500,884$325,311$130,871$900,370
60$1,573,394$260,671$54,675$897,237
61$1,650,762$190,326$0$893,357
62$1,733,404$113,916$0$893,866
63$1,821,774$31,061$0$905,217
64$1,916,372$0$0$916,990
65$2,017,746$0$0$953,166
66$2,126,495$0$0$1,005,601
67$2,243,280$0$0$1,061,973
68$2,368,823$0$0$1,122,640
69$2,503,919$0$0$1,187,994
70$2,649,438$0$0$1,258,466
71$2,806,340$0$0$1,334,529
72$2,975,675$0$0$1,416,702
73$3,158,600$0$0$1,505,558
74$3,356,384$0$0$1,601,724
75$3,570,424$0$0$1,705,892
76$3,802,254$0$0$1,818,819
77$4,053,562$0$0$1,941,340
78$4,326,202$0$0$2,074,375
79$4,622,216$0$0$2,218,932
80$4,943,848$0$0$2,376,123
81$5,293,567$0$0$2,547,169
82$5,674,088$0$0$2,733,415
83$6,088,401$0$0$2,936,342
84$6,539,794$0$0$3,157,576
85$7,031,885$0$0$3,398,911
86$7,568,658$0$0$3,662,318
87$8,154,498$0$0$3,949,970
88$8,794,228$0$0$4,264,256
89$9,493,162$0$0$4,607,809
90$10,257,148$0$0$4,983,524
91$11,092,625$0$0$5,394,593
92$12,006,682$0$0$5,844,527
93$13,007,124$0$0$6,337,194
94$14,102,549$0$0$6,876,854
95$15,302,420$0$0$7,468,198
96$16,617,163$0$0$8,116,390
97$18,058,257$0$0$8,827,121
98$19,638,347$0$0$9,606,656
99$21,371,357$0$0$10,461,898
100$23,272,626$0$0$11,400,448