Can I retire at age 45 with 767,000?

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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$63,338$62,774$62,224$61,686$61,162$59,418
2 years$31,356$30,772$30,206$29,657$29,125$27,382
3 years$20,696$20,110$19,545$19,001$18,478$16,790
4 years$15,367$14,783$14,224$13,689$13,179$11,559
5 years$12,171$11,590$11,038$10,515$10,018$8,471
6 years$10,041$9,464$8,921$8,409$7,927$6,454
7 years$8,520$7,948$7,413$6,913$6,447$5,047
8 years$7,380$6,813$6,287$5,799$5,348$4,022
9 years$6,493$5,932$5,415$4,940$4,504$3,250
10 years$5,784$5,229$4,721$4,258$3,838$2,653
11 years$5,205$4,655$4,156$3,706$3,300$2,184
12 years$4,722$4,178$3,688$3,251$2,860$1,810
13 years$4,314$3,775$3,295$2,870$2,494$1,508
14 years$3,965$3,432$2,961$2,547$2,186$1,261
15 years$3,663$3,135$2,673$2,272$1,925$1,059
16 years$3,398$2,876$2,424$2,034$1,701$892
17 years$3,165$2,649$2,206$1,828$1,508$752
18 years$2,958$2,448$2,013$1,647$1,341$636
19 years$2,773$2,269$1,843$1,488$1,196$539
20 years$2,607$2,108$1,692$1,348$1,068$457
21 years$2,457$1,964$1,556$1,223$956$388
22 years$2,320$1,833$1,434$1,112$857$330
23 years$2,196$1,714$1,324$1,013$769$281
24 years$2,082$1,606$1,224$924$691$239
25 years$1,977$1,507$1,134$844$622$203
26 years$1,881$1,417$1,052$772$560$173
27 years$1,792$1,333$977$706$505$148
28 years$1,709$1,256$908$647$456$126
29 years$1,633$1,185$845$593$412$108
30 years$1,561$1,119$787$545$372$92
31 years$1,495$1,058$734$500$336$78
32 years$1,432$1,001$685$460$304$67
33 years$1,374$948$639$423$275$57
34 years$1,319$899$597$389$249$49
35 years$1,267$852$558$358$226$42
36 years$1,218$809$522$330$204$36
37 years$1,172$768$489$304$185$30
38 years$1,129$730$458$280$168$26
39 years$1,088$694$429$258$152$22
40 years$1,049$661$402$238$138$19
41 years$1,012$629$377$220$125$16
42 years$977$599$354$203$114$14
43 years$943$571$332$187$103$12
44 years$911$544$311$173$94$10
45 years$881$519$292$160$85$9
46 years$852$495$275$147$77$7
47 years$825$472$258$136$70$6
48 years$798$451$243$126$64$5
49 years$773$430$228$116$58$5
50 years$749$411$214$108$53$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $767,000, adding $4,791 every year, while hoping to spend $23,719 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: 89/5/6 Blend
44$767,000$767,000$767,000$767,000
45$850,176$809,525$797,636$925,286
46$911,657$823,955$799,120$989,308
47$978,614$838,297$799,859$1,055,852
48$1,051,581$852,522$799,803$1,128,238
49$1,131,145$866,597$798,898$1,207,035
50$1,217,951$880,491$797,091$1,292,873
51$1,312,712$894,165$794,324$1,386,444
52$1,416,211$907,580$790,535$1,488,510
53$1,529,308$920,696$785,662$1,599,911
54$1,652,954$933,466$779,638$1,721,570
55$1,788,193$945,844$772,394$1,854,507
56$1,936,175$957,777$763,856$1,999,842
57$2,098,168$969,210$753,948$2,158,809
58$2,275,565$980,086$742,589$2,332,770
59$2,469,904$990,341$729,697$2,523,222
60$2,682,876$999,909$715,183$2,731,815
61$2,916,343$1,008,719$698,956$2,960,368
62$3,172,358$1,016,695$680,919$3,210,883
63$3,453,181$1,023,755$660,973$3,485,566
64$3,761,302$1,029,815$639,011$3,786,849
65$4,099,461$1,034,782$614,924$4,117,408
66$4,470,679$1,038,560$588,597$4,480,193
67$4,878,284$1,041,045$559,911$4,878,456
68$5,325,939$1,042,126$528,738$5,315,776
69$5,817,682$1,041,688$494,948$5,796,100
70$6,357,961$1,039,606$458,404$6,323,774
71$6,951,675$1,035,749$418,963$6,903,588
72$7,604,222$1,029,976$376,474$7,540,819
73$8,321,548$1,022,140$330,781$8,241,283
74$9,110,204$1,012,084$281,721$9,011,387
75$9,977,409$999,640$229,123$9,858,191
76$10,931,115$984,632$172,808$10,789,473
77$11,980,083$966,874$112,592$11,813,807
78$13,133,967$946,166$48,279$12,940,636
79$14,403,402$922,298$0$14,180,371
80$15,800,107$895,049$0$15,545,782
81$17,336,994$864,183$0$17,051,587
82$19,028,290$829,450$0$18,708,633
83$20,889,671$790,588$0$20,532,279
84$22,938,407$747,317$0$22,539,453
85$25,193,532$699,343$0$24,748,804
86$27,676,014$646,353$0$27,180,882
87$30,408,961$588,018$0$29,858,333
88$33,417,834$523,989$0$32,806,111
89$36,730,686$453,898$0$36,051,712
90$40,378,434$377,356$0$39,625,435
91$44,395,140$293,952$0$43,560,669
92$48,818,340$203,252$0$47,894,204
93$53,689,396$104,797$0$52,666,585
94$59,053,884$0$0$57,922,485
95$64,962,028$0$0$63,711,240
96$71,469,168$0$0$70,093,244
97$78,636,289$0$0$77,122,541
98$86,530,590$0$0$84,865,039
99$95,226,122$0$0$93,393,366
100$104,804,485$0$0$102,787,554