Can I retire at age 45 with 810,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%17.7%
1 years$66,889$66,293$65,712$65,145$64,591$62,573
2 years$33,113$32,497$31,899$31,319$30,757$28,743
3 years$21,856$21,237$20,641$20,067$19,514$17,565
4 years$16,229$15,611$15,021$14,457$13,917$12,050
5 years$12,853$12,240$11,657$11,104$10,580$8,798
6 years$10,604$9,994$9,421$8,880$8,371$6,677
7 years$8,997$8,393$7,829$7,301$6,808$5,202
8 years$7,793$7,195$6,639$6,125$5,648$4,128
9 years$6,857$6,264$5,718$5,217$4,756$3,321
10 years$6,109$5,522$4,985$4,497$4,053$2,700
11 years$5,497$4,916$4,389$3,914$3,486$2,213
12 years$4,987$4,412$3,895$3,433$3,020$1,825
13 years$4,556$3,987$3,480$3,031$2,634$1,513
14 years$4,187$3,624$3,127$2,690$2,309$1,260
15 years$3,868$3,311$2,823$2,399$2,033$1,052
16 years$3,589$3,038$2,560$2,148$1,797$881
17 years$3,342$2,797$2,329$1,930$1,593$740
18 years$3,124$2,585$2,126$1,739$1,416$622
19 years$2,929$2,396$1,946$1,572$1,263$524
20 years$2,753$2,226$1,786$1,424$1,128$442
21 years$2,594$2,074$1,643$1,292$1,009$374
22 years$2,450$1,936$1,514$1,175$905$316
23 years$2,319$1,810$1,398$1,070$812$267
24 years$2,199$1,696$1,293$976$730$226
25 years$2,088$1,592$1,198$891$657$192
26 years$1,987$1,496$1,111$815$592$162
27 years$1,892$1,408$1,031$746$533$138
28 years$1,805$1,327$959$683$481$117
29 years$1,724$1,252$892$627$435$99
30 years$1,649$1,182$831$575$393$84
31 years$1,578$1,117$775$528$355$71
32 years$1,512$1,057$723$485$321$61
33 years$1,451$1,001$675$446$291$51
34 years$1,393$949$631$411$263$44
35 years$1,338$900$590$378$238$37
36 years$1,286$854$552$348$216$31
37 years$1,238$811$516$321$196$27
38 years$1,192$771$484$296$177$23
39 years$1,149$733$453$273$161$19
40 years$1,107$698$425$251$146$16
41 years$1,068$664$398$232$132$14
42 years$1,031$632$373$214$120$12
43 years$996$603$350$198$109$10
44 years$962$574$329$183$99$9
45 years$930$548$309$169$90$7
46 years$900$523$290$156$82$6
47 years$871$499$273$144$74$5
48 years$843$476$256$133$67$4
49 years$816$455$241$123$61$4
50 years$791$434$226$114$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $810,000, adding $2,136 every year, while hoping to spend $43,511 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: 83/12/5 Blend
44$810,000$810,000$810,000$810,000
45$894,823$851,893$839,338$968,865
46$939,800$847,341$821,161$1,012,963
47$987,906$841,107$800,916$1,055,267
48$1,039,414$833,063$778,489$1,100,347
49$1,094,625$823,074$753,759$1,148,454
50$1,153,867$810,994$726,599$1,199,864
51$1,217,500$796,672$696,880$1,254,880
52$1,285,921$779,945$664,461$1,313,839
53$1,359,565$760,642$629,200$1,377,107
54$1,438,908$738,581$590,946$1,445,093
55$1,524,475$713,570$549,541$1,518,242
56$1,616,843$685,406$504,822$1,597,049
57$1,716,643$653,873$456,616$1,682,055
58$1,824,572$618,744$404,744$1,773,859
59$1,941,393$579,778$349,018$1,873,122
60$2,067,948$536,720$289,243$1,980,569
61$2,205,161$489,300$225,214$2,097,001
62$2,354,046$437,236$156,718$2,223,302
63$2,515,723$380,224$83,532$2,360,444
64$2,691,421$317,949$5,424$2,509,499
65$2,882,490$250,073$0$2,671,651
66$3,090,420$176,243$0$2,852,359
67$3,316,848$96,083$0$3,049,483
68$3,563,574$9,199$0$3,264,329
69$3,832,580$0$0$3,498,660
70$4,126,050$0$0$3,765,616
71$4,446,383$0$0$4,058,350
72$4,796,224$0$0$4,378,065
73$5,178,482$0$0$4,727,423
74$5,596,362$0$0$5,109,353
75$6,053,390$0$0$5,527,082
76$6,553,450$0$0$5,984,161
77$7,100,819$0$0$6,484,502
78$7,700,205$0$0$7,032,411
79$8,356,795$0$0$7,632,632
80$9,076,298$0$0$8,290,386
81$9,865,005$0$0$9,011,427
82$10,729,842$0$0$9,802,091
83$11,678,438$0$0$10,669,354
84$12,719,197$0$0$11,620,902
85$13,861,374$0$0$12,665,202
86$15,115,166$0$0$13,811,577
87$16,491,802$0$0$15,070,301
88$18,003,653$0$0$16,452,687
89$19,664,349$0$0$17,971,201
90$21,488,902$0$0$19,639,575
91$23,493,851$0$0$21,472,935
92$25,697,418$0$0$23,487,946
93$28,119,674$0$0$25,702,969
94$30,782,736$0$0$28,138,230
95$33,710,968$0$0$30,816,015
96$36,931,214$0$0$33,760,877
97$40,473,050$0$0$36,999,866
98$44,369,061$0$0$40,562,786
99$48,655,149$0$0$44,482,475
100$53,370,872$0$0$48,795,114