Can I retire at age 45 with 925,000?

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 $925,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$76,386$75,705$75,041$74,393$73,761$71,978
2 years$37,815$37,110$36,428$35,766$35,124$33,338
3 years$24,959$24,252$23,571$22,916$22,284$20,552
4 years$18,533$17,828$17,154$16,509$15,893$14,227
5 years$14,678$13,977$13,312$12,681$12,082$10,487
6 years$12,109$11,413$10,758$10,141$9,560$8,038
7 years$10,275$9,585$8,940$8,337$7,775$6,326
8 years$8,900$8,216$7,582$6,994$6,450$5,073
9 years$7,831$7,154$6,530$5,957$5,432$4,126
10 years$6,976$6,306$5,693$5,135$4,628$3,392
11 years$6,277$5,613$5,012$4,469$3,980$2,813
12 years$5,695$5,038$4,448$3,920$3,449$2,348
13 years$5,203$4,553$3,974$3,461$3,008$1,970
14 years$4,782$4,139$3,571$3,072$2,637$1,661
15 years$4,417$3,781$3,224$2,740$2,322$1,405
16 years$4,098$3,469$2,923$2,453$2,052$1,192
17 years$3,817$3,195$2,660$2,204$1,819$1,014
18 years$3,567$2,952$2,428$1,986$1,618$864
19 years$3,344$2,736$2,223$1,795$1,442$738
20 years$3,144$2,542$2,040$1,626$1,288$631
21 years$2,963$2,368$1,876$1,475$1,152$541
22 years$2,798$2,211$1,729$1,341$1,033$463
23 years$2,648$2,067$1,597$1,222$927$398
24 years$2,511$1,937$1,477$1,114$833$341
25 years$2,385$1,818$1,368$1,018$750$293
26 years$2,269$1,708$1,269$930$676$252
27 years$2,161$1,608$1,178$852$609$217
28 years$2,062$1,515$1,095$780$550$187
29 years$1,969$1,429$1,019$716$496$161
30 years$1,883$1,350$949$657$448$138
31 years$1,802$1,276$885$603$405$119
32 years$1,727$1,207$826$554$367$103
33 years$1,657$1,143$771$510$332$89
34 years$1,590$1,084$720$469$300$76
35 years$1,528$1,028$673$432$272$66
36 years$1,469$976$630$398$247$57
37 years$1,414$927$590$366$223$49
38 years$1,361$881$552$338$203$42
39 years$1,312$837$517$311$184$36
40 years$1,265$797$485$287$167$31
41 years$1,220$758$455$265$151$27
42 years$1,178$722$426$245$137$23
43 years$1,137$688$400$226$125$20
44 years$1,099$656$376$208$113$17
45 years$1,062$626$353$192$103$15
46 years$1,028$597$331$178$93$13
47 years$994$569$311$164$85$11
48 years$963$544$292$152$77$10
49 years$932$519$275$140$70$8
50 years$903$496$258$130$63$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $925,000, adding $5,254 every year, while hoping to spend $54,719 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: 54/19/27 Blend
44$925,000$925,000$925,000$925,000
45$1,024,770$975,745$961,407$1,072,173
46$1,071,075$965,335$935,394$1,095,069
47$1,120,271$952,582$906,675$1,113,923
48$1,172,592$937,313$875,102$1,133,344
49$1,228,299$919,343$840,520$1,153,406
50$1,287,675$898,481$802,767$1,174,194
51$1,351,031$874,520$761,674$1,195,806
52$1,418,708$847,243$717,062$1,218,351
53$1,491,079$816,421$668,746$1,241,955
54$1,568,554$781,810$616,533$1,266,757
55$1,651,580$743,152$560,221$1,292,919
56$1,740,651$700,176$499,598$1,320,619
57$1,836,306$652,594$434,443$1,350,060
58$1,939,138$600,100$364,526$1,381,470
59$2,049,798$542,373$289,606$1,415,106
60$2,169,001$479,073$209,431$1,451,254
61$2,297,532$409,840$123,740$1,490,237
62$2,436,252$334,294$32,257$1,532,417
63$2,586,110$252,034$0$1,578,196
64$2,748,145$162,637$0$1,646,861
65$2,923,504$65,654$0$1,731,225
66$3,113,443$0$0$1,822,638
67$3,319,346$0$0$1,930,060
68$3,542,733$0$0$2,061,568
69$3,785,277$0$0$2,204,433
70$4,048,819$0$0$2,359,745
71$4,335,381$0$0$2,528,709
72$4,647,190$0$0$2,712,648
73$4,986,696$0$0$2,913,018
74$5,356,595$0$0$3,131,422
75$5,759,852$0$0$3,369,623
76$6,199,735$0$0$3,629,563
77$6,679,835$0$0$3,913,378
78$7,204,108$0$0$4,223,420
79$7,776,910$0$0$4,562,280
80$8,403,034$0$0$4,932,807
81$9,087,758$0$0$5,338,141
82$9,836,894$0$0$5,781,738
83$10,656,841$0$0$6,267,404
84$11,554,645$0$0$6,799,330
85$12,538,065$0$0$7,382,130
86$13,615,647$0$0$8,020,888
87$14,796,801$0$0$8,721,202
88$16,091,892$0$0$9,489,236
89$17,512,335$0$0$10,331,782
90$19,070,705$0$0$11,256,318
91$20,780,849$0$0$12,271,084
92$22,658,024$0$0$13,385,155
93$24,719,033$0$0$14,608,528
94$26,982,386$0$0$15,952,214
95$29,468,475$0$0$17,428,345
96$32,199,762$0$0$19,050,285
97$35,200,993$0$0$20,832,756
98$38,499,431$0$0$22,791,979
99$42,125,110$0$0$24,945,823
100$46,111,119$0$0$27,313,974