Can I retire at age 45 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$68,128$67,521$66,929$66,351$65,787$65,235
2 years$33,727$33,098$32,490$31,899$31,327$30,771
3 years$22,261$21,630$21,023$20,438$19,875$19,332
4 years$16,529$15,900$15,299$14,725$14,175$13,650
5 years$13,091$12,466$11,873$11,310$10,776$10,269
6 years$10,800$10,180$9,595$9,045$8,526$8,039
7 years$9,164$8,549$7,974$7,436$6,934$6,466
8 years$7,938$7,328$6,762$6,238$5,753$5,304
9 years$6,984$6,380$5,824$5,313$4,845$4,415
10 years$6,222$5,624$5,078$4,580$4,128$3,717
11 years$5,599$5,007$4,470$3,986$3,550$3,158
12 years$5,080$4,494$3,967$3,496$3,076$2,703
13 years$4,641$4,061$3,545$3,087$2,683$2,327
14 years$4,265$3,691$3,185$2,740$2,352$2,014
15 years$3,940$3,372$2,875$2,444$2,071$1,750
16 years$3,655$3,094$2,607$2,188$1,830$1,526
17 years$3,404$2,849$2,372$1,966$1,623$1,335
18 years$3,182$2,633$2,166$1,772$1,443$1,170
19 years$2,983$2,440$1,982$1,601$1,286$1,028
20 years$2,804$2,267$1,819$1,450$1,149$905
21 years$2,642$2,112$1,674$1,316$1,028$798
22 years$2,496$1,972$1,542$1,196$921$705
23 years$2,362$1,844$1,424$1,090$827$624
24 years$2,239$1,728$1,317$994$743$552
25 years$2,127$1,621$1,220$908$669$489
26 years$2,023$1,524$1,131$830$603$434
27 years$1,928$1,434$1,051$760$543$385
28 years$1,839$1,351$977$696$490$342
29 years$1,756$1,275$909$638$443$304
30 years$1,679$1,204$847$586$400$270
31 years$1,608$1,138$789$538$362$240
32 years$1,540$1,077$736$494$327$214
33 years$1,477$1,020$688$455$296$191
34 years$1,418$967$642$418$268$170
35 years$1,363$917$601$385$243$151
36 years$1,310$870$562$355$220$135
37 years$1,261$826$526$327$199$120
38 years$1,214$785$492$301$181$107
39 years$1,170$747$461$278$164$95
40 years$1,128$711$432$256$149$85
41 years$1,088$676$406$236$135$76
42 years$1,050$644$380$218$122$68
43 years$1,014$614$357$201$111$60
44 years$980$585$335$186$101$54
45 years$948$558$315$172$92$48
46 years$917$532$295$159$83$43
47 years$887$508$278$147$75$38
48 years$859$485$261$135$69$34
49 years$831$463$245$125$62$30
50 years$805$442$231$116$57$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $825,000, adding $4,123 every year, while hoping to spend $26,866 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: 55/18/27 Blend
44$825,000$825,000$825,000$825,000
45$913,403$869,678$856,890$956,622
46$977,985$883,707$857,011$1,000,877
47$1,048,254$897,523$856,235$1,045,926
48$1,124,761$911,087$854,505$1,094,444
49$1,208,114$924,358$851,758$1,146,774
50$1,298,981$937,291$847,931$1,203,296
51$1,398,097$949,838$842,957$1,264,427
52$1,506,271$961,948$836,764$1,330,628
53$1,624,395$973,567$829,280$1,402,408
54$1,753,448$984,637$820,426$1,480,329
55$1,894,511$995,096$810,121$1,565,012
56$2,048,772$1,004,876$798,281$1,657,141
57$2,217,539$1,013,908$784,816$1,757,470
58$2,402,255$1,022,116$769,634$1,866,832
59$2,604,505$1,029,419$752,636$1,986,149
60$2,826,036$1,035,733$733,722$2,116,433
61$3,068,774$1,040,967$712,784$2,258,805
62$3,334,838$1,045,022$689,711$2,414,500
63$3,626,561$1,047,798$664,386$2,584,879
64$3,946,514$1,049,184$636,687$2,771,448
65$4,297,529$1,049,065$606,486$2,975,865
66$4,682,724$1,047,316$573,651$3,199,959
67$5,105,535$1,043,807$538,041$3,445,749
68$5,569,745$1,038,400$499,511$3,715,462
69$6,079,524$1,030,946$457,909$4,011,554
70$6,639,462$1,021,289$413,076$4,336,735
71$7,254,618$1,009,263$364,845$4,693,992
72$7,930,566$994,693$313,044$5,086,623
73$8,673,443$977,393$257,490$5,518,261
74$9,490,013$957,164$197,995$5,992,917
75$10,387,728$933,799$134,361$6,515,012
76$11,374,796$907,075$66,382$7,089,422
77$12,460,262$876,758$0$7,721,526
78$13,654,091$842,601$0$8,419,029
79$14,967,260$804,341$0$9,207,219
80$16,411,868$761,701$0$10,074,230
81$18,001,240$714,386$0$11,028,085
82$19,750,063$662,087$0$12,077,624
83$21,674,515$604,475$0$13,232,593
84$23,792,425$541,204$0$14,503,729
85$26,123,436$471,906$0$15,902,870
86$28,689,191$396,195$0$17,443,059
87$31,513,541$313,660$0$19,138,675
88$34,622,762$223,870$0$21,005,561
89$38,045,812$126,367$0$23,061,182
90$41,814,595$20,670$0$25,324,783
91$45,964,270$0$0$27,817,577
92$50,533,577$0$0$30,581,507
93$55,565,202$0$0$33,629,699
94$61,106,186$0$0$36,986,565
95$67,208,359$0$0$40,683,521
96$73,928,839$0$0$44,755,182
97$81,330,562$0$0$49,239,694
98$89,482,882$0$0$54,179,091
99$98,462,221$0$0$59,619,689
100$108,352,794$0$0$65,612,530