Can I retire at age 45 with 852,000?

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 $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%14.4%
1 years$70,357$69,731$69,119$68,522$67,940$66,704
2 years$34,830$34,182$33,553$32,943$32,352$31,112
3 years$22,990$22,338$21,711$21,107$20,526$19,319
4 years$17,070$16,421$15,800$15,207$14,639$13,476
5 years$13,520$12,874$12,262$11,680$11,128$10,012
6 years$11,153$10,513$9,909$9,341$8,805$7,736
7 years$9,464$8,829$8,235$7,679$7,161$6,140
8 years$8,197$7,568$6,984$6,442$5,941$4,968
9 years$7,213$6,589$6,015$5,487$5,003$4,077
10 years$6,425$5,808$5,244$4,730$4,263$3,383
11 years$5,782$5,170$4,617$4,117$3,666$2,832
12 years$5,246$4,641$4,097$3,611$3,177$2,387
13 years$4,793$4,194$3,661$3,188$2,770$2,023
14 years$4,405$3,812$3,289$2,830$2,429$1,723
15 years$4,068$3,482$2,970$2,524$2,138$1,473
16 years$3,775$3,195$2,692$2,260$1,890$1,263
17 years$3,516$2,943$2,450$2,030$1,676$1,086
18 years$3,286$2,719$2,236$1,830$1,490$936
19 years$3,080$2,520$2,047$1,653$1,328$808
20 years$2,896$2,342$1,879$1,497$1,186$699
21 years$2,729$2,181$1,728$1,359$1,062$606
22 years$2,577$2,036$1,593$1,236$951$525
23 years$2,439$1,904$1,471$1,125$854$456
24 years$2,313$1,784$1,360$1,026$768$396
25 years$2,197$1,674$1,260$937$691$344
26 years$2,090$1,574$1,168$857$622$300
27 years$1,991$1,481$1,085$784$561$261
28 years$1,899$1,396$1,009$719$506$227
29 years$1,814$1,317$939$659$457$198
30 years$1,734$1,243$874$605$413$173
31 years$1,660$1,175$815$556$373$151
32 years$1,591$1,112$760$511$338$131
33 years$1,526$1,053$710$469$306$115
34 years$1,465$998$663$432$277$100
35 years$1,407$947$620$398$251$87
36 years$1,353$899$580$366$227$76
37 years$1,302$853$543$337$206$67
38 years$1,254$811$509$311$187$58
39 years$1,208$771$476$287$169$51
40 years$1,165$734$447$265$154$44
41 years$1,124$699$419$244$139$39
42 years$1,085$665$393$225$126$34
43 years$1,048$634$369$208$115$30
44 years$1,012$604$346$192$104$26
45 years$979$576$325$177$95$23
46 years$947$550$305$164$86$20
47 years$916$525$287$151$78$17
48 years$887$501$269$140$71$15
49 years$859$478$253$129$64$13
50 years$832$457$238$119$58$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $852,000, adding $4,704 every year, while hoping to spend $43,551 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: 64/6/30 Blend
44$852,000$852,000$852,000$852,000
45$943,756$898,600$885,394$996,307
46$993,681$896,294$868,717$1,030,209
47$1,047,239$892,414$850,021$1,062,056
48$1,104,755$886,840$829,194$1,095,929
49$1,166,583$879,438$806,116$1,132,036
50$1,233,117$870,073$780,662$1,170,605
51$1,304,784$858,596$752,704$1,211,889
52$1,382,057$844,852$722,104$1,256,169
53$1,465,453$828,676$688,721$1,303,756
54$1,555,542$809,894$652,407$1,354,995
55$1,652,950$788,322$613,005$1,410,266
56$1,758,364$763,762$570,353$1,469,994
57$1,872,539$736,009$524,283$1,534,644
58$1,996,308$704,843$474,615$1,604,735
59$2,130,583$670,032$421,167$1,680,840
60$2,276,369$631,330$363,743$1,763,591
61$2,434,773$588,479$302,142$1,853,690
62$2,607,009$541,204$236,153$1,951,911
63$2,794,416$489,215$165,556$2,059,113
64$2,998,466$432,206$90,122$2,176,241
65$3,220,777$369,852$9,609$2,304,346
66$3,463,133$301,812$0$2,444,583
67$3,727,496$227,724$0$2,622,661
68$4,016,024$147,205$0$2,820,437
69$4,331,093$59,854$0$3,036,482
70$4,675,321$0$0$3,272,614
71$5,051,588$0$0$3,533,130
72$5,463,064$0$0$3,822,402
73$5,913,242$0$0$4,138,940
74$6,405,966$0$0$4,485,455
75$6,945,469$0$0$4,864,930
76$7,536,414$0$0$5,280,654
77$8,183,933$0$0$5,736,246
78$8,893,682$0$0$6,235,693
79$9,671,888$0$0$6,783,385
80$10,525,409$0$0$7,384,159
81$11,461,799$0$0$8,043,341
82$12,489,379$0$0$8,766,799
83$13,617,314$0$0$9,560,995
84$14,855,699$0$0$10,433,049
85$16,215,657$0$0$11,390,802
86$17,709,439$0$0$12,442,894
87$19,350,538$0$0$13,598,842
88$21,153,825$0$0$14,869,129
89$23,135,677$0$0$16,265,307
90$25,314,138$0$0$17,800,100
91$27,709,090$0$0$19,487,528
92$30,342,433$0$0$21,343,035
93$33,238,298$0$0$23,383,639
94$36,423,271$0$0$25,628,089
95$39,926,643$0$0$28,097,041
96$43,780,688$0$0$30,813,255
97$48,020,963$0$0$33,801,808
98$52,686,647$0$0$37,090,330
99$57,820,909$0$0$40,709,264
100$63,471,313$0$0$44,692,155