Can I retire at age 45 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$66,889$66,293$65,712$65,145$64,591$64,157
2 years$33,113$32,497$31,899$31,319$30,757$30,320
3 years$21,856$21,237$20,641$20,067$19,514$19,086
4 years$16,229$15,611$15,021$14,457$13,917$13,503
5 years$12,853$12,240$11,657$11,104$10,580$10,179
6 years$10,604$9,994$9,421$8,880$8,371$7,986
7 years$8,997$8,393$7,829$7,301$6,808$6,438
8 years$7,793$7,195$6,639$6,125$5,648$5,293
9 years$6,857$6,264$5,718$5,217$4,756$4,416
10 years$6,109$5,522$4,985$4,497$4,053$3,727
11 years$5,497$4,916$4,389$3,914$3,486$3,175
12 years$4,987$4,412$3,895$3,433$3,020$2,724
13 years$4,556$3,987$3,480$3,031$2,634$2,351
14 years$4,187$3,624$3,127$2,690$2,309$2,040
15 years$3,868$3,311$2,823$2,399$2,033$1,777
16 years$3,589$3,038$2,560$2,148$1,797$1,554
17 years$3,342$2,797$2,329$1,930$1,593$1,363
18 years$3,124$2,585$2,126$1,739$1,416$1,198
19 years$2,929$2,396$1,946$1,572$1,263$1,056
20 years$2,753$2,226$1,786$1,424$1,128$933
21 years$2,594$2,074$1,643$1,292$1,009$825
22 years$2,450$1,936$1,514$1,175$905$731
23 years$2,319$1,810$1,398$1,070$812$648
24 years$2,199$1,696$1,293$976$730$576
25 years$2,088$1,592$1,198$891$657$512
26 years$1,987$1,496$1,111$815$592$455
27 years$1,892$1,408$1,031$746$533$405
28 years$1,805$1,327$959$683$481$361
29 years$1,724$1,252$892$627$435$322
30 years$1,649$1,182$831$575$393$287
31 years$1,578$1,117$775$528$355$256
32 years$1,512$1,057$723$485$321$229
33 years$1,451$1,001$675$446$291$204
34 years$1,393$949$631$411$263$183
35 years$1,338$900$590$378$238$163
36 years$1,286$854$552$348$216$146
37 years$1,238$811$516$321$196$131
38 years$1,192$771$484$296$177$117
39 years$1,149$733$453$273$161$104
40 years$1,107$698$425$251$146$93
41 years$1,068$664$398$232$132$84
42 years$1,031$632$373$214$120$75
43 years$996$603$350$198$109$67
44 years$962$574$329$183$99$60
45 years$930$548$309$169$90$54
46 years$900$523$290$156$82$48
47 years$871$499$273$144$74$43
48 years$843$476$256$133$67$39
49 years$816$455$241$123$61$35
50 years$791$434$226$114$55$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $810,000, adding $3,369 every year, while hoping to spend $22,084 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: 58/37/5 Blend
44$810,000$810,000$810,000$810,000
45$896,095$853,165$840,610$947,051
46$964,000$871,473$845,273$999,930
47$1,038,090$889,938$849,353$1,054,722
48$1,118,975$908,544$852,805$1,113,880
49$1,207,322$927,274$855,586$1,177,823
50$1,303,868$946,110$857,647$1,247,013
51$1,409,424$965,031$858,940$1,321,957
52$1,524,882$984,014$859,411$1,403,214
53$1,651,225$1,003,036$859,007$1,491,400
54$1,789,536$1,022,071$857,670$1,587,194
55$1,941,006$1,041,090$855,339$1,691,344
56$2,106,948$1,060,062$851,952$1,804,673
57$2,288,806$1,078,955$847,441$1,928,089
58$2,488,172$1,097,732$841,739$2,062,592
59$2,706,801$1,116,355$834,772$2,209,283
60$2,946,621$1,134,784$826,464$2,369,378
61$3,209,761$1,152,972$816,734$2,544,213
62$3,498,562$1,170,873$805,501$2,735,264
63$3,815,605$1,188,436$792,675$2,944,155
64$4,163,733$1,205,605$778,165$3,172,677
65$4,546,076$1,222,323$761,876$3,422,805
66$4,966,084$1,238,524$743,707$3,696,712
67$5,427,556$1,254,144$723,553$3,996,796
68$5,934,679$1,269,109$701,304$4,325,699
69$6,492,064$1,283,343$676,846$4,686,334
70$7,104,792$1,296,764$650,058$5,081,909
71$7,778,460$1,309,285$620,814$5,515,963
72$8,519,235$1,320,812$588,983$5,992,392
73$9,333,911$1,331,246$554,428$6,515,496
74$10,229,974$1,340,482$517,006$7,090,009
75$11,215,672$1,348,406$476,566$7,721,153
76$12,300,091$1,354,899$432,952$8,414,681
77$13,493,245$1,359,833$386,000$9,176,934
78$14,806,164$1,363,073$335,540$10,014,902
79$16,251,005$1,364,475$281,392$10,936,290
80$17,841,159$1,363,886$223,370$11,949,589
81$19,591,384$1,361,144$161,280$13,064,158
82$21,517,941$1,356,076$94,919$14,290,313
83$23,638,746$1,348,499$24,074$15,639,423
84$25,973,542$1,338,218$0$17,124,021
85$28,544,081$1,325,029$0$18,760,668
86$31,374,335$1,308,713$0$20,563,387
87$34,490,715$1,289,037$0$22,547,686
88$37,922,326$1,265,758$0$24,732,072
89$41,701,238$1,238,616$0$27,136,941
90$45,862,791$1,207,335$0$29,784,774
91$50,445,925$1,171,623$0$32,700,349
92$55,493,551$1,131,174$0$35,910,971
93$61,052,951$1,085,660$0$39,446,736
94$67,176,231$1,034,736$0$43,340,813
95$73,920,805$978,037$0$47,629,758
96$81,349,943$915,177$0$52,353,861
97$89,533,364$845,746$0$57,557,523
98$98,547,893$769,314$0$63,289,682
99$108,478,192$685,424$0$69,604,273
100$119,417,551$593,593$0$76,560,736