Can I retire at age 45 with 801,000?

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 $801,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$66,146$65,557$64,982$64,421$63,873$62,152
2 years$32,745$32,136$31,545$30,972$30,416$28,695
3 years$21,613$21,001$20,411$19,844$19,297$17,629
4 years$16,049$15,438$14,854$14,296$13,763$12,161
5 years$12,710$12,104$11,528$10,981$10,462$8,931
6 years$10,486$9,883$9,316$8,782$8,278$6,819
7 years$8,897$8,300$7,742$7,220$6,733$5,345
8 years$7,707$7,115$6,565$6,056$5,585$4,269
9 years$6,781$6,195$5,655$5,159$4,704$3,458
10 years$6,041$5,460$4,930$4,447$4,008$2,831
11 years$5,436$4,861$4,340$3,870$3,447$2,336
12 years$4,932$4,363$3,852$3,395$2,987$1,941
13 years$4,506$3,943$3,441$2,997$2,605$1,621
14 years$4,141$3,584$3,092$2,660$2,283$1,360
15 years$3,825$3,274$2,792$2,373$2,010$1,145
16 years$3,549$3,004$2,531$2,124$1,777$967
17 years$3,305$2,766$2,303$1,909$1,575$818
18 years$3,089$2,556$2,103$1,720$1,401$694
19 years$2,896$2,369$1,925$1,554$1,249$589
20 years$2,722$2,202$1,767$1,408$1,115$501
21 years$2,565$2,051$1,625$1,278$998$427
22 years$2,423$1,914$1,498$1,162$895$364
23 years$2,293$1,790$1,383$1,058$803$311
24 years$2,174$1,677$1,279$965$722$265
25 years$2,065$1,574$1,184$881$649$227
26 years$1,964$1,479$1,098$806$585$194
27 years$1,871$1,392$1,020$737$527$166
28 years$1,785$1,312$948$676$476$142
29 years$1,705$1,238$882$620$430$121
30 years$1,630$1,169$822$569$388$104
31 years$1,561$1,105$766$522$351$89
32 years$1,496$1,046$715$480$318$76
33 years$1,434$990$668$441$287$65
34 years$1,377$938$624$406$260$56
35 years$1,323$890$583$374$236$48
36 years$1,272$845$546$344$214$41
37 years$1,224$802$511$317$194$35
38 years$1,179$763$478$292$175$30
39 years$1,136$725$448$270$159$26
40 years$1,095$690$420$249$144$22
41 years$1,056$657$394$229$131$19
42 years$1,020$625$369$212$119$16
43 years$985$596$347$195$108$14
44 years$952$568$325$180$98$12
45 years$920$542$305$167$89$10
46 years$890$517$287$154$81$9
47 years$861$493$270$142$73$8
48 years$834$471$253$131$67$6
49 years$807$450$238$121$60$6
50 years$782$429$224$112$55$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $801,000, adding $5,089 every year, while hoping to spend $51,981 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: 75/16/9 Blend
44$801,000$801,000$801,000$801,000
45$887,951$845,498$833,083$952,831
46$923,215$831,620$805,684$982,388
47$960,333$815,320$775,625$1,007,687
48$999,441$796,424$742,761$1,033,938
49$1,040,683$774,749$706,944$1,061,217
50$1,084,221$750,099$668,014$1,089,610
51$1,130,227$722,269$625,808$1,119,209
52$1,178,891$691,041$580,153$1,150,120
53$1,230,420$656,185$530,871$1,182,458
54$1,285,041$617,456$477,773$1,216,352
55$1,343,000$574,596$420,663$1,251,944
56$1,404,568$527,333$359,337$1,289,395
57$1,470,040$475,379$293,581$1,328,879
58$1,539,740$418,428$223,172$1,370,592
59$1,614,021$356,159$147,876$1,414,752
60$1,693,272$288,232$67,451$1,461,598
61$1,777,917$214,286$0$1,511,400
62$1,868,422$133,944$0$1,566,218
63$1,965,296$46,802$0$1,631,642
64$2,069,101$0$0$1,701,582
65$2,180,448$0$0$1,784,842
66$2,300,012$0$0$1,883,117
67$2,428,533$0$0$1,988,777
68$2,566,821$0$0$2,102,493
69$2,715,767$0$0$2,224,999
70$2,876,351$0$0$2,357,104
71$3,049,647$0$0$2,499,697
72$3,236,836$0$0$2,653,753
73$3,439,216$0$0$2,820,343
74$3,658,214$0$0$3,000,647
75$3,895,399$0$0$3,195,959
76$4,152,493$0$0$3,407,705
77$4,431,394$0$0$3,637,450
78$4,734,186$0$0$3,886,917
79$5,063,162$0$0$4,158,000
80$5,420,847$0$0$4,452,785
81$5,810,013$0$0$4,773,564
82$6,233,717$0$0$5,122,860
83$6,695,317$0$0$5,503,449
84$7,198,513$0$0$5,918,388
85$7,747,372$0$0$6,371,038
86$8,346,376$0$0$6,865,101
87$9,000,454$0$0$7,404,652
88$9,715,035$0$0$7,994,175
89$10,496,094$0$0$8,638,608
90$11,350,209$0$0$9,343,388
91$12,284,626$0$0$10,114,500
92$13,307,318$0$0$10,958,535
93$14,427,070$0$0$11,882,751
94$15,653,552$0$0$12,895,140
95$16,997,415$0$0$14,004,503
96$18,470,389$0$0$15,220,535
97$20,085,393$0$0$16,553,910
98$21,856,654$0$0$18,016,387
99$23,799,844$0$0$19,620,917
100$25,932,224$0$0$21,381,766