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%17.8%
1 years$70,357$69,731$69,119$68,522$67,940$65,791
2 years$34,830$34,182$33,553$32,943$32,352$30,207
3 years$22,990$22,338$21,711$21,107$20,526$18,451
4 years$17,070$16,421$15,800$15,207$14,639$12,651
5 years$13,520$12,874$12,262$11,680$11,128$9,233
6 years$11,153$10,513$9,909$9,341$8,805$7,003
7 years$9,464$8,829$8,235$7,679$7,161$5,452
8 years$8,197$7,568$6,984$6,442$5,941$4,324
9 years$7,213$6,589$6,015$5,487$5,003$3,477
10 years$6,425$5,808$5,244$4,730$4,263$2,825
11 years$5,782$5,170$4,617$4,117$3,666$2,314
12 years$5,246$4,641$4,097$3,611$3,177$1,907
13 years$4,793$4,194$3,661$3,188$2,770$1,580
14 years$4,405$3,812$3,289$2,830$2,429$1,314
15 years$4,068$3,482$2,970$2,524$2,138$1,097
16 years$3,775$3,195$2,692$2,260$1,890$918
17 years$3,516$2,943$2,450$2,030$1,676$771
18 years$3,286$2,719$2,236$1,830$1,490$648
19 years$3,080$2,520$2,047$1,653$1,328$545
20 years$2,896$2,342$1,879$1,497$1,186$460
21 years$2,729$2,181$1,728$1,359$1,062$388
22 years$2,577$2,036$1,593$1,236$951$328
23 years$2,439$1,904$1,471$1,125$854$277
24 years$2,313$1,784$1,360$1,026$768$234
25 years$2,197$1,674$1,260$937$691$198
26 years$2,090$1,574$1,168$857$622$168
27 years$1,991$1,481$1,085$784$561$142
28 years$1,899$1,396$1,009$719$506$120
29 years$1,814$1,317$939$659$457$102
30 years$1,734$1,243$874$605$413$87
31 years$1,660$1,175$815$556$373$73
32 years$1,591$1,112$760$511$338$62
33 years$1,526$1,053$710$469$306$53
34 years$1,465$998$663$432$277$45
35 years$1,407$947$620$398$251$38
36 years$1,353$899$580$366$227$32
37 years$1,302$853$543$337$206$27
38 years$1,254$811$509$311$187$23
39 years$1,208$771$476$287$169$20
40 years$1,165$734$447$265$154$17
41 years$1,124$699$419$244$139$14
42 years$1,085$665$393$225$126$12
43 years$1,048$634$369$208$115$10
44 years$1,012$604$346$192$104$9
45 years$979$576$325$177$95$7
46 years$947$550$305$164$86$6
47 years$916$525$287$151$78$5
48 years$887$501$269$140$71$5
49 years$859$478$253$129$64$4
50 years$832$457$238$119$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $852,000, adding $2,478 every year, while hoping to spend $53,787 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: 71/11/18 Blend
44$852,000$852,000$852,000$852,000
45$941,460$896,304$883,098$1,004,110
46$980,260$882,994$855,453$1,032,802
47$1,021,215$867,229$825,079$1,057,527
48$1,064,488$848,832$791,828$1,083,232
49$1,110,256$827,616$755,545$1,110,005
50$1,158,715$803,381$716,068$1,137,946
51$1,210,075$775,918$673,228$1,167,163
52$1,264,569$745,005$626,847$1,197,782
53$1,322,450$710,405$576,741$1,229,938
54$1,383,995$671,870$522,717$1,263,783
55$1,449,507$629,136$464,573$1,299,487
56$1,519,319$581,925$402,098$1,337,239
57$1,593,793$529,943$335,072$1,377,248
58$1,673,327$472,878$263,265$1,419,747
59$1,758,359$410,402$186,436$1,464,995
60$1,849,366$342,166$104,336$1,513,280
61$1,946,873$267,803$16,703$1,564,921
62$2,051,455$186,927$0$1,620,274
63$2,163,743$99,126$0$1,694,485
64$2,284,430$3,969$0$1,777,622
65$2,414,278$0$0$1,867,013
66$2,554,119$0$0$1,975,240
67$2,704,873$0$0$2,092,464
68$2,867,546$0$0$2,218,990
69$3,043,245$0$0$2,355,685
70$3,233,187$0$0$2,503,498
71$3,438,707$0$0$2,663,476
72$3,661,277$0$0$2,836,767
73$3,902,511$0$0$3,024,635
74$4,164,186$0$0$3,228,468
75$4,448,255$0$0$3,449,795
76$4,756,869$0$0$3,690,297
77$5,092,390$0$0$3,951,821
78$5,457,420$0$0$4,236,401
79$5,854,819$0$0$4,546,276
80$6,287,736$0$0$4,883,908
81$6,759,636$0$0$5,252,006
82$7,274,332$0$0$5,653,553
83$7,836,022$0$0$6,091,832
84$8,449,324$0$0$6,570,457
85$9,119,326$0$0$7,093,405
86$9,851,625$0$0$7,665,055
87$10,652,385$0$0$8,290,230
88$11,528,394$0$0$8,974,238
89$12,487,124$0$0$9,722,924
90$13,536,803$0$0$10,542,726
91$14,686,493$0$0$11,440,731
92$15,946,174$0$0$12,424,747
93$17,326,834$0$0$13,503,369
94$18,840,577$0$0$14,686,067
95$20,500,734$0$0$15,983,269
96$22,321,986$0$0$17,406,461
97$24,320,508$0$0$18,968,294
98$26,514,111$0$0$20,682,706
99$28,922,418$0$0$22,565,046
100$31,567,045$0$0$24,632,225