Can I retire at age 45 with 825,000?

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 $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%19.1%
1 years$68,128$67,521$66,929$66,351$65,787$63,377
2 years$33,727$33,098$32,490$31,899$31,327$28,926
3 years$22,261$21,630$21,023$20,438$19,875$17,558
4 years$16,529$15,900$15,299$14,725$14,175$11,960
5 years$13,091$12,466$11,873$11,310$10,776$8,669
6 years$10,800$10,180$9,595$9,045$8,526$6,529
7 years$9,164$8,549$7,974$7,436$6,934$5,045
8 years$7,938$7,328$6,762$6,238$5,753$3,971
9 years$6,984$6,380$5,824$5,313$4,845$3,167
10 years$6,222$5,624$5,078$4,580$4,128$2,552
11 years$5,599$5,007$4,470$3,986$3,550$2,073
12 years$5,080$4,494$3,967$3,496$3,076$1,694
13 years$4,641$4,061$3,545$3,087$2,683$1,391
14 years$4,265$3,691$3,185$2,740$2,352$1,147
15 years$3,940$3,372$2,875$2,444$2,071$949
16 years$3,655$3,094$2,607$2,188$1,830$787
17 years$3,404$2,849$2,372$1,966$1,623$654
18 years$3,182$2,633$2,166$1,772$1,443$544
19 years$2,983$2,440$1,982$1,601$1,286$454
20 years$2,804$2,267$1,819$1,450$1,149$379
21 years$2,642$2,112$1,674$1,316$1,028$316
22 years$2,496$1,972$1,542$1,196$921$264
23 years$2,362$1,844$1,424$1,090$827$221
24 years$2,239$1,728$1,317$994$743$185
25 years$2,127$1,621$1,220$908$669$155
26 years$2,023$1,524$1,131$830$603$130
27 years$1,928$1,434$1,051$760$543$109
28 years$1,839$1,351$977$696$490$91
29 years$1,756$1,275$909$638$443$77
30 years$1,679$1,204$847$586$400$64
31 years$1,608$1,138$789$538$362$54
32 years$1,540$1,077$736$494$327$45
33 years$1,477$1,020$688$455$296$38
34 years$1,418$967$642$418$268$32
35 years$1,363$917$601$385$243$27
36 years$1,310$870$562$355$220$22
37 years$1,261$826$526$327$199$19
38 years$1,214$785$492$301$181$16
39 years$1,170$747$461$278$164$13
40 years$1,128$711$432$256$149$11
41 years$1,088$676$406$236$135$9
42 years$1,050$644$380$218$122$8
43 years$1,014$614$357$201$111$7
44 years$980$585$335$186$101$6
45 years$948$558$315$172$92$5
46 years$917$532$295$159$83$4
47 years$887$508$278$147$75$3
48 years$859$485$261$135$69$3
49 years$831$463$245$125$62$2
50 years$805$442$231$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $825,000, adding $3,621 every year, while hoping to spend $25,373 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: 88/5/7 Blend
44$825,000$825,000$825,000$825,000
45$912,885$869,160$856,373$992,468
46$979,003$884,752$858,064$1,060,432
47$1,051,014$900,258$858,962$1,131,224
48$1,129,493$915,646$859,013$1,208,224
49$1,215,072$930,884$858,161$1,292,039
50$1,308,447$945,935$856,347$1,383,336
51$1,410,384$960,761$853,510$1,482,854
52$1,521,725$975,320$849,584$1,591,401
53$1,643,398$989,568$844,503$1,709,872
54$1,776,426$1,003,458$838,195$1,839,249
55$1,921,932$1,016,938$830,585$1,980,615
56$2,081,156$1,029,955$821,597$2,135,163
57$2,255,461$1,042,450$811,148$2,304,206
58$2,446,350$1,054,361$799,152$2,489,192
59$2,655,475$1,065,622$785,521$2,691,714
60$2,884,658$1,076,163$770,161$2,913,528
61$3,135,905$1,085,906$752,973$3,156,569
62$3,411,425$1,094,774$733,855$3,422,968
63$3,713,651$1,102,678$712,700$3,715,071
64$4,045,263$1,109,530$689,396$4,035,465
65$4,409,214$1,115,231$663,825$4,387,000
66$4,808,755$1,119,678$635,864$4,772,814
67$5,247,468$1,122,762$605,385$5,196,366
68$5,729,298$1,124,366$572,254$5,661,467
69$6,258,593$1,124,366$536,331$6,172,316
70$6,840,140$1,122,631$497,469$6,733,539
71$7,479,215$1,119,020$455,514$7,350,233
72$8,181,629$1,113,387$410,308$8,028,015
73$8,953,785$1,105,572$361,683$8,773,073
74$9,802,736$1,095,410$309,464$9,592,227
75$10,736,253$1,082,723$253,470$10,492,990
76$11,762,899$1,067,324$193,509$11,483,642
77$12,892,106$1,049,015$129,383$12,573,306
78$14,134,268$1,027,584$60,884$13,772,036
79$15,500,837$1,002,809$0$15,090,909
80$17,004,429$974,453$0$16,543,046
81$18,658,946$942,267$0$18,145,897
82$20,479,706$905,986$0$19,909,750
83$22,483,587$865,329$0$21,850,959
84$24,689,184$820,002$0$23,987,541
85$27,116,989$769,690$0$26,339,351
86$29,789,579$714,062$0$28,928,268
87$32,731,833$652,769$0$31,778,399
88$35,971,165$585,439$0$34,916,309
89$39,537,779$511,681$0$38,371,270
90$43,464,962$431,082$0$42,175,538
91$47,789,388$343,205$0$46,364,659
92$52,551,472$247,589$0$50,977,799
93$57,795,747$143,746$0$56,058,119
94$63,571,285$31,161$0$61,653,181
95$69,932,160$0$0$67,815,394
96$76,937,957$0$0$74,607,504
97$84,654,336$0$0$82,090,418
98$93,153,649$0$0$90,332,588
99$102,515,627$0$0$99,411,330
100$112,828,126$0$0$109,411,846