Can I retire at age 45 with 836,000?

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 $836,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$69,036$68,421$67,821$67,236$66,664$64,069
2 years$34,176$33,540$32,923$32,325$31,745$29,162
3 years$22,558$21,919$21,303$20,711$20,140$17,651
4 years$16,750$16,113$15,503$14,921$14,364$11,987
5 years$13,266$12,632$12,031$11,461$10,919$8,661
6 years$10,944$10,315$9,723$9,165$8,640$6,501
7 years$9,286$8,663$8,080$7,535$7,027$5,007
8 years$8,043$7,426$6,852$6,321$5,829$3,926
9 years$7,077$6,465$5,902$5,384$4,909$3,120
10 years$6,305$5,699$5,145$4,641$4,183$2,505
11 years$5,673$5,073$4,530$4,039$3,597$2,027
12 years$5,147$4,554$4,020$3,543$3,117$1,649
13 years$4,703$4,115$3,592$3,128$2,718$1,349
14 years$4,322$3,741$3,227$2,777$2,383$1,107
15 years$3,992$3,417$2,914$2,476$2,098$912
16 years$3,704$3,135$2,642$2,217$1,854$753
17 years$3,450$2,887$2,404$1,992$1,644$623
18 years$3,224$2,668$2,194$1,795$1,462$516
19 years$3,023$2,473$2,009$1,622$1,303$428
20 years$2,841$2,298$1,844$1,469$1,164$356
21 years$2,678$2,140$1,696$1,333$1,042$296
22 years$2,529$1,998$1,563$1,212$934$246
23 years$2,393$1,869$1,443$1,104$838$205
24 years$2,269$1,751$1,335$1,007$753$171
25 years$2,155$1,643$1,236$920$678$142
26 years$2,050$1,544$1,146$841$611$119
27 years$1,953$1,453$1,065$770$550$99
28 years$1,863$1,369$990$705$497$83
29 years$1,780$1,292$921$647$449$69
30 years$1,702$1,220$858$594$405$58
31 years$1,629$1,153$800$545$366$48
32 years$1,561$1,091$746$501$331$40
33 years$1,497$1,033$697$461$300$34
34 years$1,437$979$651$424$272$28
35 years$1,381$929$609$390$246$23
36 years$1,328$882$569$359$223$20
37 years$1,278$837$533$331$202$16
38 years$1,230$796$499$305$183$14
39 years$1,185$757$468$281$166$11
40 years$1,143$720$438$260$151$9
41 years$1,103$685$411$239$137$8
42 years$1,064$653$385$221$124$7
43 years$1,028$622$362$204$113$6
44 years$993$593$340$188$102$5
45 years$960$565$319$174$93$4
46 years$929$539$299$161$84$3
47 years$899$515$281$148$76$3
48 years$870$491$264$137$69$2
49 years$843$469$248$127$63$2
50 years$816$448$234$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $836,000, adding $4,808 every year, while hoping to spend $33,972 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: 55/21/24 Blend
44$836,000$836,000$836,000$836,000
45$926,231$881,923$868,965$970,837
46$984,561$888,992$861,930$1,009,062
47$1,047,702$895,268$853,520$1,046,713
48$1,116,108$900,677$843,654$1,087,006
49$1,190,281$905,140$832,246$1,130,205
50$1,270,770$908,571$819,206$1,176,604
51$1,358,179$910,882$804,440$1,226,526
52$1,453,175$911,977$787,850$1,280,328
53$1,556,488$911,754$769,333$1,338,406
54$1,668,925$910,105$748,781$1,401,198
55$1,791,372$906,916$726,081$1,469,189
56$1,924,802$902,066$701,116$1,542,912
57$2,070,290$895,425$673,761$1,622,960
58$2,229,017$886,857$643,889$1,709,986
59$2,402,281$876,218$611,364$1,804,714
60$2,591,514$863,354$576,045$1,907,940
61$2,798,292$848,101$537,786$2,020,549
62$3,024,348$830,288$496,432$2,143,515
63$3,271,591$809,732$451,822$2,277,915
64$3,542,124$786,239$403,789$2,424,939
65$3,838,261$759,606$352,157$2,585,903
66$4,162,552$729,615$296,742$2,762,256
67$4,517,804$696,037$237,354$2,955,605
68$4,907,107$658,631$173,793$3,167,718
69$5,333,867$617,138$105,850$3,400,552
70$5,801,833$571,289$33,307$3,656,265
71$6,315,134$520,797$0$3,937,241
72$6,878,320$465,358$0$4,257,408
73$7,496,400$404,652$0$4,618,211
74$8,174,894$338,341$0$5,014,382
75$8,919,882$266,068$0$5,449,527
76$9,738,059$187,455$0$5,927,620
77$10,636,803$102,102$0$6,453,045
78$11,624,241$9,589$0$7,030,635
79$12,709,326$0$0$7,665,717
80$13,901,921$0$0$8,385,085
81$15,212,892$0$0$9,178,377
82$16,654,212$0$0$10,050,633
83$18,239,068$0$0$11,009,845
84$19,981,993$0$0$12,064,819
85$21,898,996$0$0$13,225,257
86$24,007,717$0$0$14,501,849
87$26,327,591$0$0$15,906,374
88$28,880,031$0$0$17,451,808
89$31,688,632$0$0$19,152,451
90$34,779,389$0$0$21,024,057
91$38,180,946$0$0$23,083,985
92$41,924,865$0$0$25,351,364
93$46,045,922$0$0$27,847,269
94$50,582,436$0$0$30,594,923
95$55,576,628$0$0$33,619,916
96$61,075,024$0$0$36,950,443
97$67,128,888$0$0$40,617,576
98$73,794,708$0$0$44,655,549
99$81,134,731$0$0$49,102,086
100$89,217,544$0$0$53,998,759