Can I retire at age 45 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$70,357$69,731$69,119$68,522$67,940$67,512
2 years$34,830$34,182$33,553$32,943$32,352$31,920
3 years$22,990$22,338$21,711$21,107$20,526$20,103
4 years$17,070$16,421$15,800$15,207$14,639$14,230
5 years$13,520$12,874$12,262$11,680$11,128$10,733
6 years$11,153$10,513$9,909$9,341$8,805$8,425
7 years$9,464$8,829$8,235$7,679$7,161$6,795
8 years$8,197$7,568$6,984$6,442$5,941$5,590
9 years$7,213$6,589$6,015$5,487$5,003$4,667
10 years$6,425$5,808$5,244$4,730$4,263$3,941
11 years$5,782$5,170$4,617$4,117$3,666$3,359
12 years$5,246$4,641$4,097$3,611$3,177$2,884
13 years$4,793$4,194$3,661$3,188$2,770$2,491
14 years$4,405$3,812$3,289$2,830$2,429$2,162
15 years$4,068$3,482$2,970$2,524$2,138$1,885
16 years$3,775$3,195$2,692$2,260$1,890$1,649
17 years$3,516$2,943$2,450$2,030$1,676$1,448
18 years$3,286$2,719$2,236$1,830$1,490$1,274
19 years$3,080$2,520$2,047$1,653$1,328$1,123
20 years$2,896$2,342$1,879$1,497$1,186$993
21 years$2,729$2,181$1,728$1,359$1,062$879
22 years$2,577$2,036$1,593$1,236$951$779
23 years$2,439$1,904$1,471$1,125$854$692
24 years$2,313$1,784$1,360$1,026$768$615
25 years$2,197$1,674$1,260$937$691$547
26 years$2,090$1,574$1,168$857$622$487
27 years$1,991$1,481$1,085$784$561$434
28 years$1,899$1,396$1,009$719$506$387
29 years$1,814$1,317$939$659$457$345
30 years$1,734$1,243$874$605$413$308
31 years$1,660$1,175$815$556$373$275
32 years$1,591$1,112$760$511$338$246
33 years$1,526$1,053$710$469$306$220
34 years$1,465$998$663$432$277$197
35 years$1,407$947$620$398$251$176
36 years$1,353$899$580$366$227$157
37 years$1,302$853$543$337$206$141
38 years$1,254$811$509$311$187$126
39 years$1,208$771$476$287$169$113
40 years$1,165$734$447$265$154$101
41 years$1,124$699$419$244$139$91
42 years$1,085$665$393$225$126$81
43 years$1,048$634$369$208$115$73
44 years$1,012$604$346$192$104$65
45 years$979$576$325$177$95$58
46 years$947$550$305$164$86$52
47 years$916$525$287$151$78$47
48 years$887$501$269$140$71$42
49 years$859$478$253$129$64$38
50 years$832$457$238$119$58$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $852,000, adding $6,737 every year, while hoping to spend $55,018 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: 56/15/29 Blend
44$852,000$852,000$852,000$852,000
45$945,853$900,697$887,491$990,909
46$983,792$886,293$858,683$1,008,279
47$1,023,756$869,338$827,067$1,020,934
48$1,065,894$849,651$792,489$1,033,618
49$1,110,368$827,037$754,790$1,046,353
50$1,157,355$801,292$713,805$1,059,165
51$1,207,048$772,197$669,360$1,072,087
52$1,259,655$739,523$621,272$1,085,158
53$1,315,408$703,028$569,352$1,098,425
54$1,374,556$662,452$513,402$1,111,943
55$1,437,374$617,526$453,214$1,125,776
56$1,504,161$567,960$388,573$1,139,999
57$1,575,247$513,451$319,251$1,154,701
58$1,650,990$453,678$245,013$1,169,980
59$1,731,783$388,300$165,613$1,185,953
60$1,818,057$316,960$80,794$1,202,752
61$1,910,285$239,276$0$1,220,529
62$2,008,984$154,851$0$1,242,465
63$2,114,721$63,259$0$1,292,622
64$2,228,119$0$0$1,346,288
65$2,349,861$0$0$1,409,743
66$2,480,697$0$0$1,489,211
67$2,621,450$0$0$1,574,760
68$2,773,022$0$0$1,666,944
69$2,936,407$0$0$1,766,375
70$3,112,694$0$0$1,873,724
71$3,303,080$0$0$1,989,730
72$3,508,882$0$0$2,115,201
73$3,731,546$0$0$2,251,030
74$3,972,661$0$0$2,398,196
75$4,233,976$0$0$2,557,776
76$4,517,412$0$0$2,730,954
77$4,825,083$0$0$2,919,034
78$5,159,313$0$0$3,123,448
79$5,522,660$0$0$3,345,772
80$5,917,938$0$0$3,587,741
81$6,348,240$0$0$3,851,263
82$6,816,974$0$0$4,138,437
83$7,327,887$0$0$4,451,575
84$7,885,103$0$0$4,793,221
85$8,493,164$0$0$5,166,173
86$9,157,066$0$0$5,573,513
87$9,882,310$0$0$6,018,635
88$10,674,952$0$0$6,505,272
89$11,541,661$0$0$7,037,538
90$12,489,776$0$0$7,619,960
91$13,527,382$0$0$8,257,524
92$14,663,378$0$0$8,955,719
93$15,907,566$0$0$9,720,592
94$17,270,740$0$0$10,558,801
95$18,764,787$0$0$11,477,678
96$20,402,798$0$0$12,485,301
97$22,199,192$0$0$13,590,563
98$24,169,850$0$0$14,803,262
99$26,332,266$0$0$16,134,190
100$28,705,706$0$0$17,595,234