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%14.2%
1 years$70,357$69,731$69,119$68,522$67,940$66,759
2 years$34,830$34,182$33,553$32,943$32,352$31,167
3 years$22,990$22,338$21,711$21,107$20,526$19,372
4 years$17,070$16,421$15,800$15,207$14,639$13,526
5 years$13,520$12,874$12,262$11,680$11,128$10,060
6 years$11,153$10,513$9,909$9,341$8,805$7,782
7 years$9,464$8,829$8,235$7,679$7,161$6,183
8 years$8,197$7,568$6,984$6,442$5,941$5,008
9 years$7,213$6,589$6,015$5,487$5,003$4,115
10 years$6,425$5,808$5,244$4,730$4,263$3,419
11 years$5,782$5,170$4,617$4,117$3,666$2,865
12 years$5,246$4,641$4,097$3,611$3,177$2,418
13 years$4,793$4,194$3,661$3,188$2,770$2,052
14 years$4,405$3,812$3,289$2,830$2,429$1,750
15 years$4,068$3,482$2,970$2,524$2,138$1,498
16 years$3,775$3,195$2,692$2,260$1,890$1,286
17 years$3,516$2,943$2,450$2,030$1,676$1,108
18 years$3,286$2,719$2,236$1,830$1,490$956
19 years$3,080$2,520$2,047$1,653$1,328$827
20 years$2,896$2,342$1,879$1,497$1,186$716
21 years$2,729$2,181$1,728$1,359$1,062$621
22 years$2,577$2,036$1,593$1,236$951$540
23 years$2,439$1,904$1,471$1,125$854$469
24 years$2,313$1,784$1,360$1,026$768$408
25 years$2,197$1,674$1,260$937$691$356
26 years$2,090$1,574$1,168$857$622$310
27 years$1,991$1,481$1,085$784$561$270
28 years$1,899$1,396$1,009$719$506$236
29 years$1,814$1,317$939$659$457$206
30 years$1,734$1,243$874$605$413$180
31 years$1,660$1,175$815$556$373$157
32 years$1,591$1,112$760$511$338$137
33 years$1,526$1,053$710$469$306$120
34 years$1,465$998$663$432$277$105
35 years$1,407$947$620$398$251$92
36 years$1,353$899$580$366$227$80
37 years$1,302$853$543$337$206$70
38 years$1,254$811$509$311$187$61
39 years$1,208$771$476$287$169$54
40 years$1,165$734$447$265$154$47
41 years$1,124$699$419$244$139$41
42 years$1,085$665$393$225$126$36
43 years$1,048$634$369$208$115$32
44 years$1,012$604$346$192$104$28
45 years$979$576$325$177$95$24
46 years$947$550$305$164$86$21
47 years$916$525$287$151$78$19
48 years$887$501$269$140$71$16
49 years$859$478$253$129$64$14
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 $4,048 every year, while hoping to spend $22,020 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: 64/20/16 Blend
44$852,000$852,000$852,000$852,000
45$943,080$897,924$884,718$999,480
46$1,015,845$918,493$890,926$1,058,363
47$1,095,294$939,332$896,605$1,119,767
48$1,182,085$960,431$901,713$1,186,312
49$1,276,944$981,778$906,207$1,258,499
50$1,380,669$1,003,361$910,041$1,336,881
51$1,494,138$1,025,167$913,169$1,422,068
52$1,618,319$1,047,179$915,539$1,514,730
53$1,754,278$1,069,381$917,099$1,615,606
54$1,903,187$1,091,754$917,795$1,725,512
55$2,066,340$1,114,277$917,569$1,845,344
56$2,245,158$1,136,929$916,359$1,976,092
57$2,441,209$1,159,683$914,103$2,118,845
58$2,656,220$1,182,515$910,732$2,274,804
59$2,892,091$1,205,395$906,178$2,445,292
60$3,150,916$1,228,291$900,367$2,631,768
61$3,435,002$1,251,170$893,222$2,835,838
62$3,746,890$1,273,995$884,662$3,059,274
63$4,089,378$1,296,726$874,604$3,304,027
64$4,465,549$1,319,320$862,958$3,572,248
65$4,878,800$1,341,732$849,632$3,866,308
66$5,332,873$1,363,912$834,530$4,188,820
67$5,831,888$1,385,806$817,549$4,542,661
68$6,380,388$1,407,357$798,584$4,931,006
69$6,983,374$1,428,505$777,523$5,357,352
70$7,646,359$1,449,182$754,251$5,825,553
71$8,375,415$1,469,319$728,645$6,339,857
72$9,177,232$1,488,840$700,579$6,904,945
73$10,059,181$1,507,665$669,920$7,525,979
74$11,029,384$1,525,707$636,529$8,208,645
75$12,096,789$1,542,875$600,261$8,959,210
76$13,271,255$1,559,069$560,963$9,784,583
77$14,563,645$1,574,186$518,478$10,692,377
78$15,985,929$1,588,113$472,639$11,690,982
79$17,551,295$1,600,732$423,273$12,789,648
80$19,274,274$1,611,915$370,200$13,998,566
81$21,170,879$1,621,528$313,231$15,328,970
82$23,258,753$1,629,426$252,168$16,793,241
83$25,557,335$1,635,458$186,805$18,405,024
84$28,088,048$1,639,460$116,928$20,179,356
85$30,874,495$1,641,260$42,311$22,132,814
86$33,942,686$1,640,674$0$24,283,663
87$37,321,281$1,637,508$0$26,658,406
88$41,041,860$1,631,554$0$29,280,984
89$45,139,223$1,622,594$0$32,168,662
90$49,651,717$1,610,394$0$35,348,436
91$54,621,597$1,594,708$0$38,850,056
92$60,095,424$1,575,273$0$42,706,307
93$66,124,509$1,551,812$0$46,953,316
94$72,765,389$1,524,032$0$51,630,899
95$80,080,369$1,491,619$0$56,782,930
96$88,138,103$1,454,246$0$62,457,762
97$97,014,247$1,411,561$0$68,708,678
98$106,792,168$1,363,196$0$75,594,398
99$117,563,735$1,308,758$0$83,179,633
100$129,430,183$1,247,834$0$91,535,696