Can I retire at age 45 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$76,551$75,869$75,204$74,554$73,920$71,044
2 years$37,896$37,191$36,507$35,843$35,200$32,337
3 years$25,013$24,304$23,622$22,965$22,332$19,572
4 years$18,573$17,866$17,191$16,545$15,928$13,292
5 years$14,710$14,007$13,341$12,708$12,108$9,603
6 years$12,135$11,438$10,781$10,163$9,581$7,209
7 years$10,297$9,606$8,959$8,355$7,792$5,552
8 years$8,919$8,234$7,598$7,009$6,464$4,354
9 years$7,848$7,169$6,544$5,970$5,444$3,460
10 years$6,991$6,319$5,706$5,146$4,638$2,778
11 years$6,291$5,626$5,023$4,479$3,989$2,247
12 years$5,708$5,049$4,458$3,929$3,457$1,829
13 years$5,215$4,563$3,983$3,468$3,014$1,496
14 years$4,792$4,148$3,579$3,079$2,642$1,228
15 years$4,427$3,789$3,231$2,746$2,327$1,011
16 years$4,107$3,476$2,929$2,459$2,056$835
17 years$3,825$3,202$2,666$2,209$1,823$691
18 years$3,575$2,958$2,433$1,991$1,621$572
19 years$3,352$2,742$2,228$1,799$1,445$475
20 years$3,151$2,548$2,044$1,629$1,291$395
21 years$2,969$2,373$1,880$1,479$1,155$328
22 years$2,804$2,215$1,733$1,344$1,035$273
23 years$2,654$2,072$1,600$1,224$929$227
24 years$2,516$1,941$1,480$1,117$835$189
25 years$2,390$1,822$1,371$1,020$752$158
26 years$2,273$1,712$1,271$932$677$132
27 years$2,166$1,611$1,180$854$610$110
28 years$2,066$1,518$1,097$782$551$92
29 years$1,973$1,432$1,021$717$497$76
30 years$1,887$1,353$951$658$449$64
31 years$1,806$1,279$887$604$406$53
32 years$1,731$1,210$827$555$368$44
33 years$1,660$1,146$773$511$333$37
34 years$1,594$1,086$722$470$301$31
35 years$1,531$1,030$675$433$273$26
36 years$1,472$978$631$398$247$22
37 years$1,417$929$591$367$224$18
38 years$1,364$883$553$338$203$15
39 years$1,314$839$518$312$184$13
40 years$1,267$798$486$288$167$11
41 years$1,223$760$456$266$152$9
42 years$1,180$724$427$245$137$7
43 years$1,140$690$401$226$125$6
44 years$1,101$657$376$209$113$5
45 years$1,065$627$353$193$103$4
46 years$1,030$598$332$178$93$4
47 years$997$571$312$165$85$3
48 years$965$545$293$152$77$2
49 years$934$520$276$141$70$2
50 years$905$497$259$130$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $927,000, adding $2,409 every year, while hoping to spend $39,097 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: 43/50/7 Blend
44$927,000$927,000$927,000$927,000
45$1,024,039$974,908$960,539$1,065,905
46$1,086,892$981,079$951,119$1,101,361
47$1,154,846$986,243$940,072$1,135,563
48$1,228,379$990,308$927,303$1,171,711
49$1,308,019$993,178$912,713$1,209,998
50$1,394,343$994,751$896,195$1,250,635
51$1,487,989$994,917$877,641$1,293,860
52$1,589,657$993,561$856,935$1,339,935
53$1,700,117$990,560$833,957$1,389,153
54$1,820,216$985,784$808,582$1,441,838
55$1,950,885$979,095$780,676$1,498,348
56$2,093,151$970,345$750,104$1,559,084
57$2,248,140$959,380$716,721$1,624,487
58$2,417,096$946,035$680,376$1,695,050
59$2,601,383$930,135$640,913$1,771,316
60$2,802,507$911,494$598,166$1,853,890
61$3,022,123$889,917$551,965$1,943,440
62$3,262,053$865,197$502,129$2,040,710
63$3,524,303$837,113$448,471$2,146,520
64$3,811,083$805,432$390,796$2,261,781
65$4,124,825$769,909$328,899$2,387,503
66$4,468,206$730,284$262,566$2,524,802
67$4,844,175$686,280$191,574$2,674,916
68$5,255,980$637,607$115,691$2,839,212
69$5,707,197$583,956$34,673$3,019,208
70$6,201,763$525,002$0$3,216,580
71$6,744,017$460,402$0$3,437,052
72$7,338,735$389,790$0$3,681,825
73$7,991,180$312,784$0$3,950,598
74$8,707,147$228,976$0$4,245,904
75$9,493,020$137,940$0$4,570,544
76$10,355,831$39,222$0$4,927,613
77$11,303,326$0$0$5,320,530
78$12,344,038$0$0$5,790,299
79$13,487,368$0$0$6,330,217
80$14,743,671$0$0$6,923,610
81$16,124,355$0$0$7,575,882
82$17,641,989$0$0$8,292,987
83$19,310,420$0$0$9,081,484
84$21,144,903$0$0$9,948,600
85$23,162,245$0$0$10,902,297
86$25,380,963$0$0$11,951,348
87$27,821,460$0$0$13,105,418
88$30,506,215$0$0$14,375,157
89$33,459,993$0$0$15,772,299
90$36,710,085$0$0$17,309,771
91$40,286,557$0$0$19,001,819
92$44,222,539$0$0$20,864,140
93$48,554,533$0$0$22,914,027
94$53,322,761$0$0$25,170,538
95$58,571,543$0$0$27,654,671
96$64,349,710$0$0$30,389,562
97$70,711,073$0$0$33,400,707
98$77,714,922$0$0$36,716,198
99$85,426,590$0$0$40,366,990
100$93,918,067$0$0$44,387,194