Can I retire at age 45 with 444,000?

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 $444,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$36,665$36,339$36,020$35,709$35,405$34,451
2 years$18,151$17,813$17,485$17,168$16,860$15,906
3 years$11,980$11,641$11,314$11,000$10,696$9,772
4 years$8,896$8,557$8,234$7,925$7,629$6,741
5 years$7,046$6,709$6,390$6,087$5,799$4,950
6 years$5,812$5,478$5,164$4,868$4,589$3,780
7 years$4,932$4,601$4,291$4,002$3,732$2,963
8 years$4,272$3,944$3,639$3,357$3,096$2,367
9 years$3,759$3,434$3,135$2,860$2,607$1,917
10 years$3,348$3,027$2,733$2,465$2,222$1,569
11 years$3,013$2,694$2,406$2,145$1,911$1,295
12 years$2,734$2,418$2,135$1,882$1,656$1,076
13 years$2,498$2,186$1,908$1,661$1,444$899
14 years$2,295$1,987$1,714$1,475$1,266$754
15 years$2,120$1,815$1,548$1,315$1,114$635
16 years$1,967$1,665$1,403$1,178$985$536
17 years$1,832$1,533$1,277$1,058$873$454
18 years$1,712$1,417$1,165$954$776$385
19 years$1,605$1,313$1,067$862$692$327
20 years$1,509$1,220$979$780$618$278
21 years$1,422$1,137$901$708$553$237
22 years$1,343$1,061$830$644$496$202
23 years$1,271$992$766$586$445$172
24 years$1,205$930$709$535$400$147
25 years$1,145$873$657$488$360$126
26 years$1,089$820$609$447$324$107
27 years$1,037$772$565$409$292$92
28 years$990$727$526$375$264$79
29 years$945$686$489$343$238$67
30 years$904$648$456$315$215$58
31 years$865$612$425$290$195$49
32 years$829$580$396$266$176$42
33 years$795$549$370$245$159$36
34 years$763$520$346$225$144$31
35 years$733$493$323$207$131$27
36 years$705$468$302$191$118$23
37 years$679$445$283$176$107$20
38 years$653$423$265$162$97$17
39 years$630$402$248$149$88$14
40 years$607$382$233$138$80$12
41 years$586$364$218$127$73$11
42 years$565$347$205$117$66$9
43 years$546$330$192$108$60$8
44 years$528$315$180$100$54$7
45 years$510$300$169$92$49$6
46 years$493$286$159$85$45$5
47 years$477$273$149$79$41$4
48 years$462$261$140$73$37$4
49 years$447$249$132$67$33$3
50 years$433$238$124$62$30$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $444,000, adding $2,542 every year, while hoping to spend $24,963 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: 37/42/21 Blend
44$444,000$444,000$444,000$444,000
45$491,910$468,378$461,496$506,919
46$515,524$464,768$450,396$514,455
47$540,711$460,145$438,087$520,071
48$567,603$454,432$424,503$525,627
49$596,349$447,549$409,573$531,133
50$627,108$439,410$393,225$536,601
51$660,057$429,925$375,383$542,046
52$695,390$418,999$355,965$547,489
53$733,319$406,529$334,890$552,952
54$774,078$392,409$312,069$558,465
55$817,922$376,525$287,411$564,062
56$865,131$358,757$260,821$569,784
57$916,016$338,977$232,199$575,679
58$970,913$317,051$201,442$581,805
59$1,030,197$292,836$168,440$588,225
60$1,094,275$266,183$133,081$595,018
61$1,163,597$236,933$95,246$602,269
62$1,238,658$204,917$54,811$610,080
63$1,320,001$169,958$11,647$618,566
64$1,408,224$131,868$0$627,860
65$1,503,983$90,450$0$645,822
66$1,608,002$45,494$0$668,199
67$1,721,075$0$0$692,605
68$1,844,076$0$0$720,781
69$1,977,968$0$0$774,394
70$2,123,810$0$0$832,848
71$2,282,766$0$0$896,618
72$2,456,120$0$0$966,225
73$2,645,281$0$0$1,042,244
74$2,851,804$0$0$1,125,307
75$3,077,399$0$0$1,216,110
76$3,323,947$0$0$1,315,420
77$3,593,523$0$0$1,424,080
78$3,888,406$0$0$1,543,020
79$4,211,111$0$0$1,673,263
80$4,564,403$0$0$1,815,935
81$4,951,329$0$0$1,972,278
82$5,375,245$0$0$2,143,658
83$5,839,845$0$0$2,331,581
84$6,349,198$0$0$2,537,703
85$6,907,787$0$0$2,763,852
86$7,520,547$0$0$3,012,038
87$8,192,915$0$0$3,284,476
88$8,930,882$0$0$3,583,607
89$9,741,043$0$0$3,912,120
90$10,630,666$0$0$4,272,974
91$11,607,755$0$0$4,669,433
92$12,681,130$0$0$5,105,090
93$13,860,504$0$0$5,583,904
94$15,156,580$0$0$6,110,238
95$16,581,149$0$0$6,688,896
96$18,147,199$0$0$7,325,172
97$19,869,042$0$0$8,024,900
98$21,762,444$0$0$8,794,506
99$23,844,776$0$0$9,641,071
100$26,135,177$0$0$10,572,394