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%16.1%
1 years$66,889$66,293$65,712$65,145$64,591$62,978
2 years$33,113$32,497$31,899$31,319$30,757$29,143
3 years$21,856$21,237$20,641$20,067$19,514$17,948
4 years$16,229$15,611$15,021$14,457$13,917$12,412
5 years$12,853$12,240$11,657$11,104$10,580$9,139
6 years$10,604$9,994$9,421$8,880$8,371$6,997
7 years$8,997$8,393$7,829$7,301$6,808$5,501
8 years$7,793$7,195$6,639$6,125$5,648$4,406
9 years$6,857$6,264$5,718$5,217$4,756$3,580
10 years$6,109$5,522$4,985$4,497$4,053$2,939
11 years$5,497$4,916$4,389$3,914$3,486$2,434
12 years$4,987$4,412$3,895$3,433$3,020$2,029
13 years$4,556$3,987$3,480$3,031$2,634$1,700
14 years$4,187$3,624$3,127$2,690$2,309$1,431
15 years$3,868$3,311$2,823$2,399$2,033$1,209
16 years$3,589$3,038$2,560$2,148$1,797$1,024
17 years$3,342$2,797$2,329$1,930$1,593$870
18 years$3,124$2,585$2,126$1,739$1,416$741
19 years$2,929$2,396$1,946$1,572$1,263$632
20 years$2,753$2,226$1,786$1,424$1,128$539
21 years$2,594$2,074$1,643$1,292$1,009$461
22 years$2,450$1,936$1,514$1,175$905$395
23 years$2,319$1,810$1,398$1,070$812$338
24 years$2,199$1,696$1,293$976$730$290
25 years$2,088$1,592$1,198$891$657$249
26 years$1,987$1,496$1,111$815$592$214
27 years$1,892$1,408$1,031$746$533$183
28 years$1,805$1,327$959$683$481$158
29 years$1,724$1,252$892$627$435$135
30 years$1,649$1,182$831$575$393$116
31 years$1,578$1,117$775$528$355$100
32 years$1,512$1,057$723$485$321$86
33 years$1,451$1,001$675$446$291$74
34 years$1,393$949$631$411$263$64
35 years$1,338$900$590$378$238$55
36 years$1,286$854$552$348$216$47
37 years$1,238$811$516$321$196$41
38 years$1,192$771$484$296$177$35
39 years$1,149$733$453$273$161$30
40 years$1,107$698$425$251$146$26
41 years$1,068$664$398$232$132$22
42 years$1,031$632$373$214$120$19
43 years$996$603$350$198$109$17
44 years$962$574$329$183$99$14
45 years$930$548$309$169$90$12
46 years$900$523$290$156$82$11
47 years$871$499$273$144$74$9
48 years$843$476$256$133$67$8
49 years$816$455$241$123$61$7
50 years$791$434$226$114$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $810,000, adding $5,521 every year, while hoping to spend $41,410 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: 56/19/25 Blend
44$810,000$810,000$810,000$810,000
45$898,315$855,385$842,830$942,195
46$945,883$853,239$827,005$970,756
47$996,915$849,600$809,262$997,043
48$1,051,721$844,351$789,493$1,024,818
49$1,110,641$837,368$767,584$1,054,236
50$1,174,047$828,519$743,419$1,085,472
51$1,242,349$817,666$716,873$1,118,718
52$1,315,997$804,661$687,817$1,154,190
53$1,395,486$789,346$656,116$1,192,126
54$1,481,358$771,557$621,629$1,232,792
55$1,574,211$751,117$584,207$1,276,484
56$1,674,700$727,841$543,697$1,323,529
57$1,783,546$701,532$499,938$1,374,291
58$1,901,542$671,981$452,760$1,429,176
59$2,029,560$638,969$401,988$1,488,631
60$2,168,559$602,262$347,439$1,553,155
61$2,319,593$561,614$288,919$1,623,300
62$2,483,822$516,765$226,229$1,699,678
63$2,662,524$467,438$159,159$1,782,969
64$2,857,101$413,342$87,491$1,873,923
65$3,069,100$354,171$10,997$1,973,376
66$3,300,221$289,598$0$2,082,249
67$3,552,336$219,280$0$2,220,409
68$3,827,504$142,855$0$2,374,500
69$4,127,994$59,939$0$2,542,908
70$4,456,301$0$0$2,727,093
71$4,815,174$0$0$2,934,910
72$5,207,639$0$0$3,175,954
73$5,637,026$0$0$3,439,747
74$6,107,004$0$0$3,728,553
75$6,621,613$0$0$4,044,862
76$7,185,300$0$0$4,391,418
77$7,802,964$0$0$4,771,244
78$8,480,000$0$0$5,187,666
79$9,222,350$0$0$5,644,351
80$10,036,556$0$0$6,145,336
81$10,929,828$0$0$6,695,066
82$11,910,105$0$0$7,298,441
83$12,986,130$0$0$7,960,855
84$14,167,538$0$0$8,688,251
85$15,464,939$0$0$9,487,177
86$16,890,023$0$0$10,364,843
87$18,455,668$0$0$11,329,196
88$20,176,057$0$0$12,388,988
89$22,066,821$0$0$13,553,861
90$24,145,176$0$0$14,834,440
91$26,430,091$0$0$16,242,426
92$28,942,464$0$0$17,790,716
93$31,705,318$0$0$19,493,516
94$34,744,022$0$0$21,366,477
95$38,086,523$0$0$23,426,847
96$41,763,615$0$0$25,693,625
97$45,809,227$0$0$28,187,748
98$50,260,742$0$0$30,932,283
99$55,159,349$0$0$33,952,645
100$60,550,433$0$0$37,276,841