Can I retire at age 45 with 763,000?

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 $763,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$63,008$62,447$61,899$61,365$60,843$60,283
2 years$31,192$30,611$30,048$29,502$28,973$28,408
3 years$20,588$20,005$19,443$18,902$18,381$17,830
4 years$15,287$14,706$14,150$13,618$13,110$12,576
5 years$12,107$11,529$10,981$10,460$9,966$9,451
6 years$9,988$9,415$8,874$8,365$7,886$7,391
7 years$8,475$7,906$7,374$6,877$6,413$5,938
8 years$7,341$6,777$6,254$5,769$5,320$4,865
9 years$6,459$5,901$5,387$4,914$4,480$4,045
10 years$5,754$5,201$4,696$4,236$3,818$3,402
11 years$5,178$4,630$4,134$3,687$3,283$2,887
12 years$4,698$4,156$3,669$3,234$2,845$2,468
13 years$4,292$3,756$3,278$2,855$2,481$2,122
14 years$3,944$3,414$2,945$2,534$2,175$1,834
15 years$3,643$3,119$2,659$2,260$1,915$1,591
16 years$3,380$2,861$2,411$2,024$1,692$1,386
17 years$3,148$2,635$2,194$1,818$1,501$1,210
18 years$2,943$2,435$2,003$1,639$1,334$1,060
19 years$2,759$2,257$1,834$1,481$1,189$930
20 years$2,593$2,097$1,683$1,341$1,062$817
21 years$2,444$1,953$1,548$1,217$951$720
22 years$2,308$1,823$1,426$1,107$852$635
23 years$2,184$1,705$1,317$1,008$765$561
24 years$2,071$1,598$1,218$919$688$495
25 years$1,967$1,499$1,128$839$619$438
26 years$1,871$1,409$1,046$767$557$388
27 years$1,783$1,326$972$703$502$344
28 years$1,701$1,250$903$644$453$305
29 years$1,624$1,179$841$590$409$271
30 years$1,553$1,113$783$542$370$240
31 years$1,487$1,053$730$497$334$213
32 years$1,425$996$681$457$302$190
33 years$1,366$943$636$420$274$169
34 years$1,312$894$594$387$248$150
35 years$1,260$848$555$356$224$133
36 years$1,212$805$520$328$203$119
37 years$1,166$764$486$302$184$105
38 years$1,123$726$455$279$167$94
39 years$1,082$691$427$257$152$84
40 years$1,043$657$400$237$137$74
41 years$1,006$626$375$219$125$66
42 years$971$596$352$202$113$59
43 years$938$568$330$186$103$52
44 years$907$541$310$172$93$47
45 years$876$516$291$159$85$42
46 years$848$492$273$147$77$37
47 years$820$470$257$135$70$33
48 years$794$448$241$125$63$29
49 years$769$428$227$116$58$26
50 years$745$409$213$107$52$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $763,000, adding $2,303 every year, while hoping to spend $46,644 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: 63/28/9 Blend
44$763,000$763,000$763,000$763,000
45$843,202$802,763$790,936$894,565
46$879,579$792,469$767,804$918,858
47$918,104$780,108$742,333$939,731
48$958,946$765,528$714,396$961,335
49$1,002,291$748,571$683,860$983,741
50$1,048,340$729,067$650,586$1,007,027
51$1,097,317$706,838$614,427$1,031,281
52$1,149,465$681,694$575,231$1,056,601
53$1,205,048$653,435$532,839$1,083,100
54$1,264,358$621,849$487,085$1,110,901
55$1,327,715$586,711$437,794$1,140,143
56$1,395,467$547,785$384,785$1,170,984
57$1,467,998$504,820$327,869$1,203,599
58$1,545,728$457,551$266,847$1,238,182
59$1,629,119$405,698$201,513$1,274,953
60$1,718,676$348,964$131,651$1,314,156
61$1,814,955$287,036$57,035$1,356,064
62$1,918,564$219,585$0$1,400,982
63$2,030,174$146,261$0$1,451,418
64$2,150,520$66,696$0$1,511,567
65$2,280,408$0$0$1,576,393
66$2,420,728$0$0$1,652,400
67$2,572,453$0$0$1,756,848
68$2,736,655$0$0$1,869,930
69$2,914,513$0$0$1,992,464
70$3,107,322$0$0$2,125,349
71$3,316,507$0$0$2,269,571
72$3,543,635$0$0$2,426,219
73$3,790,428$0$0$2,596,487
74$4,058,782$0$0$2,781,690
75$4,350,783$0$0$2,983,276
76$4,668,725$0$0$3,202,835
77$5,015,133$0$0$3,442,121
78$5,392,786$0$0$3,703,060
79$5,804,742$0$0$3,987,775
80$6,254,367$0$0$4,298,602
81$6,745,367$0$0$4,638,111
82$7,281,820$0$0$5,009,134
83$7,868,216$0$0$5,414,785
84$8,509,500$0$0$5,858,497
85$9,211,114$0$0$6,344,047
86$9,979,053$0$0$6,875,594
87$10,819,917$0$0$7,457,720
88$11,740,973$0$0$8,095,467
89$12,750,226$0$0$8,794,393
90$13,856,490$0$0$9,560,614
91$15,069,475$0$0$10,400,870
92$16,399,871$0$0$11,322,581
93$17,859,458$0$0$12,333,923
94$19,461,206$0$0$13,443,900
95$21,219,405$0$0$14,662,429
96$23,149,795$0$0$16,000,437
97$25,269,715$0$0$17,469,959
98$27,598,263$0$0$19,084,252
99$30,156,481$0$0$20,857,923
100$32,967,547$0$0$22,807,060