Can I retire at age 45 with 826,000?

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 $826,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$68,210$67,603$67,010$66,431$65,866$64,642
2 years$33,767$33,139$32,529$31,938$31,365$30,136
3 years$22,288$21,656$21,048$20,463$19,899$18,704
4 years$16,549$15,920$15,318$14,743$14,192$13,040
5 years$13,107$12,481$11,887$11,324$10,789$9,683
6 years$10,813$10,192$9,607$9,056$8,537$7,478
7 years$9,175$8,559$7,983$7,445$6,943$5,932
8 years$7,947$7,337$6,770$6,246$5,760$4,796
9 years$6,993$6,388$5,831$5,320$4,850$3,934
10 years$6,229$5,631$5,084$4,586$4,133$3,262
11 years$5,605$5,013$4,476$3,991$3,554$2,729
12 years$5,086$4,499$3,972$3,501$3,080$2,299
13 years$4,646$4,066$3,549$3,091$2,686$1,947
14 years$4,270$3,696$3,189$2,743$2,354$1,657
15 years$3,944$3,376$2,879$2,447$2,073$1,415
16 years$3,659$3,098$2,610$2,191$1,832$1,213
17 years$3,408$2,853$2,375$1,968$1,625$1,042
18 years$3,186$2,636$2,168$1,774$1,444$898
19 years$2,986$2,443$1,985$1,603$1,287$775
20 years$2,807$2,270$1,822$1,452$1,150$669
21 years$2,646$2,115$1,676$1,317$1,029$579
22 years$2,499$1,974$1,544$1,198$922$502
23 years$2,365$1,846$1,426$1,091$828$436
24 years$2,242$1,730$1,319$995$744$378
25 years$2,130$1,623$1,221$909$670$329
26 years$2,026$1,526$1,133$831$603$286
27 years$1,930$1,436$1,052$761$544$249
28 years$1,841$1,353$978$697$491$216
29 years$1,758$1,276$910$639$443$188
30 years$1,681$1,205$848$586$400$164
31 years$1,610$1,139$790$539$362$143
32 years$1,542$1,078$737$495$327$125
33 years$1,479$1,021$688$455$296$109
34 years$1,420$968$643$419$268$95
35 years$1,364$918$601$386$243$83
36 years$1,312$871$563$355$220$72
37 years$1,262$827$527$327$200$63
38 years$1,216$786$493$302$181$55
39 years$1,171$748$462$278$164$48
40 years$1,129$711$433$256$149$42
41 years$1,089$677$406$237$135$37
42 years$1,052$645$381$218$123$32
43 years$1,016$615$357$202$111$28
44 years$981$586$335$186$101$24
45 years$949$559$315$172$92$21
46 years$918$533$296$159$83$19
47 years$888$508$278$147$76$16
48 years$860$485$261$136$69$14
49 years$832$464$245$125$62$12
50 years$806$443$231$116$57$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $826,000, adding $5,987 every year, while hoping to spend $41,687 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: 63/17/20 Blend
44$826,000$826,000$826,000$826,000
45$916,428$872,650$859,847$969,099
46$965,549$871,055$844,297$1,003,710
47$1,018,283$867,985$826,829$1,036,274
48$1,074,955$863,323$807,335$1,070,872
49$1,135,920$856,946$785,701$1,107,707
50$1,201,571$848,724$761,809$1,147,003
51$1,272,337$838,516$735,535$1,189,007
52$1,348,689$826,177$706,749$1,233,994
53$1,431,146$811,551$675,316$1,282,269
54$1,520,278$794,472$641,094$1,334,168
55$1,616,710$774,765$603,935$1,390,064
56$1,721,132$752,246$563,684$1,450,370
57$1,834,300$726,718$520,179$1,515,544
58$1,957,045$697,974$473,252$1,586,092
59$2,090,283$665,795$422,726$1,662,572
60$2,235,021$629,947$368,416$1,745,605
61$2,392,365$590,186$310,130$1,835,875
62$2,563,533$546,253$247,666$1,934,141
63$2,749,866$497,871$180,815$2,041,240
64$2,952,838$444,752$109,358$2,158,100
65$3,174,070$386,588$33,064$2,285,745
66$3,415,350$323,056$0$2,425,307
67$3,678,643$253,812$0$2,588,358
68$3,966,111$178,496$0$2,774,163
69$4,280,137$96,725$0$2,977,244
70$4,623,343$8,096$0$3,199,350
71$4,998,614$0$0$3,442,407
72$5,409,129$0$0$3,724,969
73$5,858,388$0$0$4,035,914
74$6,350,243$0$0$4,376,402
75$6,888,937$0$0$4,749,379
76$7,479,144$0$0$5,158,086
77$8,126,009$0$0$5,606,095
78$8,835,201$0$0$6,097,341
79$9,612,960$0$0$6,636,156
80$10,466,163$0$0$7,227,312
81$11,402,383$0$0$7,876,066
82$12,429,959$0$0$8,588,206
83$13,558,082$0$0$9,370,112
84$14,796,871$0$0$10,228,808
85$16,157,476$0$0$11,172,033
86$17,652,180$0$0$12,208,315
87$19,294,513$0$0$13,347,044
88$21,099,381$0$0$14,598,568
89$23,083,205$0$0$15,974,286
90$25,264,078$0$0$17,486,758
91$27,661,931$0$0$19,149,819
92$30,298,724$0$0$20,978,714
93$33,198,650$0$0$22,990,238
94$36,388,368$0$0$25,202,896
95$39,897,245$0$0$27,637,077
96$43,757,641$0$0$30,315,243
97$48,005,211$0$0$33,262,147
98$52,679,238$0$0$36,505,059
99$57,823,006$0$0$40,074,029
100$63,484,210$0$0$44,002,166