Can I retire at age 45 with 335,000?

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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$27,664$27,418$27,177$26,943$26,713$25,786
2 years$13,695$13,440$13,193$12,953$12,721$11,796
3 years$9,039$8,783$8,537$8,299$8,071$7,178
4 years$6,712$6,457$6,212$5,979$5,756$4,902
5 years$5,316$5,062$4,821$4,593$4,376$3,562
6 years$4,385$4,134$3,896$3,673$3,462$2,690
7 years$3,721$3,471$3,238$3,020$2,816$2,085
8 years$3,223$2,976$2,746$2,533$2,336$1,646
9 years$2,836$2,591$2,365$2,158$1,967$1,317
10 years$2,526$2,284$2,062$1,860$1,676$1,064
11 years$2,273$2,033$1,815$1,619$1,442$867
12 years$2,063$1,825$1,611$1,420$1,249$711
13 years$1,884$1,649$1,439$1,253$1,089$586
14 years$1,732$1,499$1,293$1,113$955$485
15 years$1,600$1,369$1,168$992$841$402
16 years$1,484$1,256$1,059$888$743$335
17 years$1,382$1,157$963$798$659$279
18 years$1,292$1,069$879$719$586$233
19 years$1,211$991$805$650$522$195
20 years$1,139$921$739$589$466$164
21 years$1,073$858$680$534$417$137
22 years$1,013$801$626$486$374$115
23 years$959$749$578$442$336$97
24 years$909$702$535$404$302$81
25 years$864$658$495$369$272$68
26 years$822$619$459$337$245$58
27 years$783$582$427$308$221$48
28 years$747$549$397$283$199$41
29 years$713$518$369$259$180$34
30 years$682$489$344$238$162$29
31 years$653$462$320$218$147$24
32 years$625$437$299$201$133$21
33 years$600$414$279$185$120$17
34 years$576$392$261$170$109$15
35 years$553$372$244$156$99$12
36 years$532$353$228$144$89$10
37 years$512$336$214$133$81$9
38 years$493$319$200$122$73$7
39 years$475$303$187$113$67$6
40 years$458$289$176$104$60$5
41 years$442$275$165$96$55$4
42 years$427$262$154$89$50$4
43 years$412$249$145$82$45$3
44 years$398$238$136$75$41$3
45 years$385$227$128$70$37$2
46 years$372$216$120$64$34$2
47 years$360$206$113$59$31$2
48 years$349$197$106$55$28$1
49 years$338$188$100$51$25$1
50 years$327$180$94$47$23$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $335,000, adding $5,835 every year, while hoping to spend $26,703 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: 82/7/11 Blend
44$335,000$335,000$335,000$335,000
45$375,189$357,434$352,241$404,780
46$385,046$346,536$335,630$414,124
47$395,014$334,210$317,566$420,254
48$405,076$320,356$297,975$426,185
49$415,211$304,871$276,775$431,883
50$425,398$287,646$253,883$437,311
51$435,612$268,563$229,210$442,425
52$445,821$247,500$202,666$447,182
53$455,994$224,327$174,155$451,530
54$466,093$198,906$143,576$455,413
55$476,075$171,093$110,826$458,772
56$485,892$140,733$75,796$461,538
57$495,490$107,666$38,372$463,639
58$504,808$71,720$0$464,994
59$513,777$32,713$0$465,697
60$522,323$0$0$470,285
61$530,358$0$0$474,893
62$537,788$0$0$481,470
63$544,506$0$0$487,399
64$550,393$0$0$492,572
65$555,316$0$0$496,870
66$559,128$0$0$500,159
67$561,664$0$0$502,291
68$562,743$0$0$503,100
69$562,161$0$0$502,404
70$559,693$0$0$499,998
71$555,090$0$0$495,657
72$548,074$0$0$489,129
73$538,337$0$0$480,138
74$525,540$0$0$468,375
75$509,305$0$0$453,498
76$489,214$0$0$435,131
77$464,804$0$0$412,855
78$435,563$0$0$386,207
79$400,926$0$0$354,674
80$360,265$0$0$317,691
81$312,888$0$0$274,632
82$258,028$0$0$224,803
83$194,839$0$0$167,440
84$122,386$0$0$101,696
85$39,634$0$0$26,638
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0