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%13.8%
1 years$69,036$68,421$67,821$67,236$66,664$65,613
2 years$34,176$33,540$32,923$32,325$31,745$30,689
3 years$22,558$21,919$21,303$20,711$20,140$19,112
4 years$16,750$16,113$15,503$14,921$14,364$13,372
5 years$13,266$12,632$12,031$11,461$10,919$9,966
6 years$10,944$10,315$9,723$9,165$8,640$7,726
7 years$9,286$8,663$8,080$7,535$7,027$6,153
8 years$8,043$7,426$6,852$6,321$5,829$4,995
9 years$7,077$6,465$5,902$5,384$4,909$4,114
10 years$6,305$5,699$5,145$4,641$4,183$3,426
11 years$5,673$5,073$4,530$4,039$3,597$2,879
12 years$5,147$4,554$4,020$3,543$3,117$2,436
13 years$4,703$4,115$3,592$3,128$2,718$2,073
14 years$4,322$3,741$3,227$2,777$2,383$1,772
15 years$3,992$3,417$2,914$2,476$2,098$1,521
16 years$3,704$3,135$2,642$2,217$1,854$1,310
17 years$3,450$2,887$2,404$1,992$1,644$1,131
18 years$3,224$2,668$2,194$1,795$1,462$979
19 years$3,023$2,473$2,009$1,622$1,303$849
20 years$2,841$2,298$1,844$1,469$1,164$738
21 years$2,678$2,140$1,696$1,333$1,042$642
22 years$2,529$1,998$1,563$1,212$934$559
23 years$2,393$1,869$1,443$1,104$838$488
24 years$2,269$1,751$1,335$1,007$753$426
25 years$2,155$1,643$1,236$920$678$372
26 years$2,050$1,544$1,146$841$611$325
27 years$1,953$1,453$1,065$770$550$285
28 years$1,863$1,369$990$705$497$249
29 years$1,780$1,292$921$647$449$218
30 years$1,702$1,220$858$594$405$191
31 years$1,629$1,153$800$545$366$168
32 years$1,561$1,091$746$501$331$147
33 years$1,497$1,033$697$461$300$129
34 years$1,437$979$651$424$272$113
35 years$1,381$929$609$390$246$99
36 years$1,328$882$569$359$223$87
37 years$1,278$837$533$331$202$76
38 years$1,230$796$499$305$183$67
39 years$1,185$757$468$281$166$59
40 years$1,143$720$438$260$151$52
41 years$1,103$685$411$239$137$45
42 years$1,064$653$385$221$124$40
43 years$1,028$622$362$204$113$35
44 years$993$593$340$188$102$31
45 years$960$565$319$174$93$27
46 years$929$539$299$161$84$24
47 years$899$515$281$148$76$21
48 years$870$491$264$137$69$18
49 years$843$469$248$127$63$16
50 years$816$448$234$117$57$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $836,000, adding $6,257 every year, while hoping to spend $25,889 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: 51/38/11 Blend
44$836,000$836,000$836,000$836,000
45$927,726$883,418$870,460$972,027
46$994,808$899,160$872,075$1,018,715
47$1,067,866$914,805$872,876$1,066,166
48$1,147,479$930,322$872,809$1,117,155
49$1,234,291$945,677$871,816$1,172,021
50$1,329,004$960,831$869,838$1,231,139
51$1,432,397$975,745$866,812$1,294,921
52$1,545,322$990,377$862,670$1,363,825
53$1,668,720$1,004,681$857,345$1,438,351
54$1,803,627$1,018,608$850,764$1,519,055
55$1,951,182$1,032,105$842,850$1,606,547
56$2,112,641$1,045,116$833,523$1,701,501
57$2,289,385$1,057,582$822,701$1,804,662
58$2,482,937$1,069,438$810,296$1,916,849
59$2,694,972$1,080,616$796,217$2,038,965
60$2,927,336$1,091,044$780,367$2,172,010
61$3,182,062$1,100,642$762,647$2,317,082
62$3,461,389$1,109,330$742,952$2,475,396
63$3,767,781$1,117,018$721,171$2,648,289
64$4,103,955$1,123,612$697,191$2,837,237
65$4,472,903$1,129,014$670,892$3,043,869
66$4,877,919$1,133,115$642,147$3,269,980
67$5,322,634$1,135,805$610,825$3,517,550
68$5,811,045$1,136,962$576,790$3,788,762
69$6,347,557$1,136,459$539,899$4,086,026
70$6,937,023$1,134,160$500,000$4,411,997
71$7,584,788$1,129,923$456,939$4,769,605
72$8,296,741$1,123,593$410,551$5,162,080
73$9,079,369$1,115,010$360,665$5,592,985
74$9,939,822$1,104,002$307,104$6,066,248
75$10,885,972$1,090,387$249,681$6,586,202
76$11,926,497$1,073,972$188,201$7,157,623
77$13,070,955$1,054,552$122,461$7,785,780
78$14,329,879$1,031,911$52,250$8,476,482
79$15,714,872$1,005,820$0$9,236,134
80$17,238,720$976,036$0$10,074,461
81$18,915,509$942,302$0$11,003,305
82$20,760,762$904,346$0$12,025,142
83$22,791,580$861,880$0$13,149,471
84$25,026,809$814,599$0$14,386,759
85$27,487,211$762,182$0$15,748,549
86$30,195,666$704,288$0$17,247,563
87$33,177,383$640,557$0$18,897,825
88$36,460,140$570,609$0$20,714,796
89$40,074,547$494,042$0$22,715,518
90$44,054,331$410,429$0$24,918,777
91$48,436,656$319,324$0$27,345,281
92$53,262,475$220,251$0$30,017,857
93$58,576,914$112,710$0$32,961,668
94$64,429,699$0$0$36,204,449
95$70,875,622$0$0$39,778,373
96$77,975,063$0$0$43,766,664
97$85,794,557$0$0$48,159,584
98$94,407,419$0$0$52,998,336
99$103,894,440$0$0$58,328,326
100$114,344,648$0$0$64,199,585