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%15.3%
1 years$66,889$66,293$65,712$65,145$64,591$63,183
2 years$33,113$32,497$31,899$31,319$30,757$29,347
3 years$21,856$21,237$20,641$20,067$19,514$18,144
4 years$16,229$15,611$15,021$14,457$13,917$12,598
5 years$12,853$12,240$11,657$11,104$10,580$9,316
6 years$10,604$9,994$9,421$8,880$8,371$7,163
7 years$8,997$8,393$7,829$7,301$6,808$5,657
8 years$7,793$7,195$6,639$6,125$5,648$4,553
9 years$6,857$6,264$5,718$5,217$4,756$3,716
10 years$6,109$5,522$4,985$4,497$4,053$3,067
11 years$5,497$4,916$4,389$3,914$3,486$2,552
12 years$4,987$4,412$3,895$3,433$3,020$2,139
13 years$4,556$3,987$3,480$3,031$2,634$1,802
14 years$4,187$3,624$3,127$2,690$2,309$1,525
15 years$3,868$3,311$2,823$2,399$2,033$1,296
16 years$3,589$3,038$2,560$2,148$1,797$1,104
17 years$3,342$2,797$2,329$1,930$1,593$943
18 years$3,124$2,585$2,126$1,739$1,416$808
19 years$2,929$2,396$1,946$1,572$1,263$693
20 years$2,753$2,226$1,786$1,424$1,128$595
21 years$2,594$2,074$1,643$1,292$1,009$512
22 years$2,450$1,936$1,514$1,175$905$441
23 years$2,319$1,810$1,398$1,070$812$380
24 years$2,199$1,696$1,293$976$730$328
25 years$2,088$1,592$1,198$891$657$283
26 years$1,987$1,496$1,111$815$592$245
27 years$1,892$1,408$1,031$746$533$211
28 years$1,805$1,327$959$683$481$183
29 years$1,724$1,252$892$627$435$158
30 years$1,649$1,182$831$575$393$137
31 years$1,578$1,117$775$528$355$119
32 years$1,512$1,057$723$485$321$103
33 years$1,451$1,001$675$446$291$89
34 years$1,393$949$631$411$263$77
35 years$1,338$900$590$378$238$67
36 years$1,286$854$552$348$216$58
37 years$1,238$811$516$321$196$50
38 years$1,192$771$484$296$177$43
39 years$1,149$733$453$273$161$38
40 years$1,107$698$425$251$146$33
41 years$1,068$664$398$232$132$28
42 years$1,031$632$373$214$120$25
43 years$996$603$350$198$109$21
44 years$962$574$329$183$99$18
45 years$930$548$309$169$90$16
46 years$900$523$290$156$82$14
47 years$871$499$273$144$74$12
48 years$843$476$256$133$67$10
49 years$816$455$241$123$61$9
50 years$791$434$226$114$55$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $810,000, adding $4,610 every year, while hoping to spend $44,986 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: 38/43/19 Blend
44$810,000$810,000$810,000$810,000
45$897,375$854,445$841,890$926,202
46$941,043$848,448$822,229$941,406
47$987,657$840,650$800,401$953,222
48$1,037,470$830,914$776,287$965,058
49$1,090,760$819,097$749,760$976,941
50$1,147,831$805,046$720,691$988,903
51$1,209,016$788,599$688,940$1,000,985
52$1,274,681$769,586$654,365$1,013,234
53$1,345,228$747,826$616,816$1,025,707
54$1,421,098$723,126$576,136$1,038,473
55$1,502,774$695,283$532,161$1,051,609
56$1,590,788$664,083$484,719$1,065,208
57$1,685,723$629,297$433,632$1,079,377
58$1,788,221$590,687$378,712$1,094,239
59$1,898,986$547,997$319,766$1,109,937
60$2,018,792$500,959$256,588$1,126,633
61$2,148,492$449,289$188,966$1,144,515
62$2,289,019$392,686$116,678$1,163,794
63$2,441,405$330,833$39,492$1,184,714
64$2,606,779$263,394$0$1,207,550
65$2,786,386$190,016$0$1,241,306
66$2,981,595$110,325$0$1,286,752
67$3,193,912$23,925$0$1,336,324
68$3,424,994$0$0$1,390,529
69$3,676,662$0$0$1,482,863
70$3,950,925$0$0$1,595,925
71$4,249,987$0$0$1,719,316
72$4,576,281$0$0$1,854,051
73$4,932,479$0$0$2,001,250
74$5,321,527$0$0$2,162,143
75$5,746,664$0$0$2,338,085
76$6,211,459$0$0$2,530,568
77$6,719,840$0$0$2,741,236
78$7,276,132$0$0$2,971,897
79$7,885,099$0$0$3,224,544
80$8,551,984$0$0$3,501,370
81$9,282,564$0$0$3,804,792
82$10,083,199$0$0$4,137,471
83$10,960,894$0$0$4,502,338
84$11,923,363$0$0$4,902,621
85$12,979,105$0$0$5,341,875
86$14,137,479$0$0$5,824,018
87$15,408,793$0$0$6,353,364
88$16,804,405$0$0$6,934,665
89$18,336,822$0$0$7,573,156
90$20,019,824$0$0$8,274,604
91$21,868,591$0$0$9,045,363
92$23,899,844$0$0$9,892,433
93$26,132,006$0$0$10,823,523
94$28,585,372$0$0$11,847,130
95$31,282,299$0$0$12,972,612
96$34,247,422$0$0$14,210,281
97$37,507,878$0$0$15,571,498
98$41,093,569$0$0$17,068,780
99$45,037,436$0$0$18,715,917
100$49,375,776$0$0$20,528,106