Can I retire at age 45 with 781,000?

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 $781,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$64,494$63,920$63,359$62,812$62,278$60,847
2 years$31,928$31,333$30,757$30,198$29,656$28,222
3 years$21,074$20,477$19,902$19,348$18,815$17,423
4 years$15,648$15,052$14,483$13,939$13,419$12,080
5 years$12,393$11,801$11,240$10,707$10,201$8,918
6 years$10,224$9,637$9,083$8,562$8,072$6,846
7 years$8,675$8,093$7,548$7,040$6,564$5,397
8 years$7,514$6,937$6,402$5,905$5,446$4,336
9 years$6,612$6,040$5,514$5,030$4,586$3,533
10 years$5,890$5,324$4,807$4,336$3,908$2,910
11 years$5,300$4,740$4,232$3,774$3,361$2,417
12 years$4,809$4,254$3,756$3,310$2,912$2,022
13 years$4,393$3,844$3,356$2,922$2,540$1,700
14 years$4,037$3,494$3,015$2,594$2,226$1,436
15 years$3,729$3,192$2,722$2,313$1,960$1,217
16 years$3,460$2,929$2,468$2,071$1,732$1,035
17 years$3,223$2,697$2,246$1,861$1,536$882
18 years$3,012$2,492$2,050$1,677$1,366$754
19 years$2,824$2,310$1,877$1,516$1,217$645
20 years$2,654$2,147$1,722$1,373$1,087$553
21 years$2,501$1,999$1,584$1,246$973$475
22 years$2,363$1,866$1,460$1,133$872$408
23 years$2,236$1,746$1,348$1,032$783$351
24 years$2,120$1,636$1,247$941$704$302
25 years$2,014$1,535$1,155$859$633$260
26 years$1,915$1,443$1,071$786$570$224
27 years$1,825$1,358$995$719$514$193
28 years$1,741$1,279$925$659$464$167
29 years$1,663$1,207$860$604$419$144
30 years$1,590$1,140$801$554$379$124
31 years$1,522$1,077$747$509$342$107
32 years$1,458$1,019$697$468$310$93
33 years$1,399$965$651$430$280$80
34 years$1,343$915$608$396$254$69
35 years$1,290$868$569$365$230$60
36 years$1,240$824$532$336$208$52
37 years$1,194$782$498$309$189$45
38 years$1,149$744$466$285$171$39
39 years$1,107$707$437$263$155$33
40 years$1,068$673$409$242$141$29
41 years$1,030$640$384$224$128$25
42 years$994$610$360$206$116$22
43 years$960$581$338$191$105$19
44 years$928$554$317$176$95$16
45 years$897$528$298$163$87$14
46 years$868$504$280$150$79$12
47 years$840$481$263$139$71$10
48 years$813$459$247$128$65$9
49 years$787$438$232$118$59$8
50 years$763$419$218$109$54$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $781,000, adding $5,205 every year, while hoping to spend $43,417 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: 66/9/25 Blend
44$781,000$781,000$781,000$781,000
45$866,031$824,638$812,532$917,244
46$908,171$818,850$793,557$946,574
47$953,154$811,323$772,491$973,254
48$1,001,224$801,926$749,218$1,001,436
49$1,052,649$790,521$723,617$1,031,271
50$1,107,722$776,960$695,561$1,062,926
51$1,166,766$761,087$664,918$1,096,586
52$1,230,133$742,736$631,549$1,132,456
53$1,298,210$721,734$595,310$1,170,764
54$1,371,423$697,895$556,049$1,211,763
55$1,450,239$671,023$513,607$1,255,735
56$1,535,171$640,910$467,821$1,302,988
57$1,626,781$607,338$418,515$1,353,868
58$1,725,689$570,074$365,512$1,408,757
59$1,832,574$528,872$308,622$1,468,077
60$1,948,184$483,474$247,648$1,532,297
61$2,073,340$433,605$182,385$1,601,934
62$2,208,944$378,976$112,618$1,677,564
63$2,355,990$319,279$38,125$1,759,822
64$2,515,569$254,192$0$1,849,411
65$2,688,883$183,372$0$1,958,145
66$2,877,251$106,460$0$2,087,420
67$3,082,126$23,072$0$2,228,075
68$3,305,109$0$0$2,381,235
69$3,547,956$0$0$2,554,793
70$3,812,604$0$0$2,746,467
71$4,101,183$0$0$2,955,521
72$4,416,038$0$0$3,183,659
73$4,759,748$0$0$3,432,758
74$5,135,155$0$0$3,704,883
75$5,545,386$0$0$4,002,306
76$5,993,884$0$0$4,327,532
77$6,484,438$0$0$4,683,316
78$7,021,224$0$0$5,072,693
79$7,608,835$0$0$5,499,004
80$8,252,334$0$0$5,965,929
81$8,957,292$0$0$6,477,521
82$9,729,848$0$0$7,038,241
83$10,576,760$0$0$7,653,005
84$11,505,473$0$0$8,327,226
85$12,524,185$0$0$9,066,867
86$13,641,929$0$0$9,878,495
87$14,868,652$0$0$10,769,343
88$16,215,310$0$0$11,747,379
89$17,693,974$0$0$12,821,381
90$19,317,941$0$0$14,001,019
91$21,101,856$0$0$15,296,943
92$23,061,855$0$0$16,720,887
93$25,215,713$0$0$18,285,779
94$27,583,014$0$0$20,005,860
95$30,185,332$0$0$21,896,819
96$33,046,435$0$0$23,975,943
97$36,192,510$0$0$26,262,275
98$39,652,407$0$0$28,776,798
99$43,457,914$0$0$31,542,629
100$47,644,053$0$0$34,585,239