Can I retire at age 45 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$37,326$36,993$36,669$36,352$36,043$35,272
2 years$18,478$18,134$17,800$17,477$17,163$16,390
3 years$12,196$11,851$11,518$11,198$10,889$10,138
4 years$9,056$8,712$8,382$8,067$7,766$7,043
5 years$7,172$6,830$6,505$6,196$5,904$5,211
6 years$5,917$5,577$5,257$4,955$4,671$4,009
7 years$5,021$4,684$4,369$4,074$3,799$3,168
8 years$4,349$4,015$3,705$3,418$3,152$2,551
9 years$3,826$3,496$3,191$2,911$2,654$2,083
10 years$3,409$3,081$2,782$2,509$2,262$1,720
11 years$3,067$2,743$2,449$2,184$1,945$1,433
12 years$2,783$2,462$2,174$1,916$1,685$1,201
13 years$2,543$2,225$1,942$1,691$1,470$1,013
14 years$2,337$2,022$1,745$1,501$1,288$858
15 years$2,158$1,847$1,575$1,339$1,134$729
16 years$2,003$1,695$1,428$1,199$1,003$622
17 years$1,865$1,561$1,300$1,077$889$532
18 years$1,743$1,442$1,186$971$790$456
19 years$1,634$1,337$1,086$877$705$391
20 years$1,536$1,242$997$794$629$336
21 years$1,448$1,157$917$721$563$289
22 years$1,367$1,080$845$656$505$250
23 years$1,294$1,010$780$597$453$215
24 years$1,227$947$722$544$407$186
25 years$1,165$888$668$497$366$161
26 years$1,109$835$620$455$330$139
27 years$1,056$786$576$416$298$120
28 years$1,007$740$535$381$269$104
29 years$962$698$498$350$243$90
30 years$920$660$464$321$219$78
31 years$881$624$432$295$198$68
32 years$844$590$403$271$179$59
33 years$809$559$377$249$162$51
34 years$777$530$352$229$147$44
35 years$747$502$329$211$133$38
36 years$718$477$308$194$120$33
37 years$691$453$288$179$109$29
38 years$665$430$270$165$99$25
39 years$641$409$253$152$90$22
40 years$618$389$237$140$81$19
41 years$596$371$222$129$74$16
42 years$575$353$208$119$67$14
43 years$556$336$196$110$61$12
44 years$537$321$184$102$55$11
45 years$519$306$172$94$50$9
46 years$502$292$162$87$46$8
47 years$486$278$152$80$41$7
48 years$470$266$143$74$38$6
49 years$456$254$134$69$34$5
50 years$441$242$126$63$31$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $452,000, adding $4,049 every year, while hoping to spend $26,643 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: 79/12/9 Blend
44$452,000$452,000$452,000$452,000
45$502,281$478,325$471,319$540,953
46$525,165$473,415$458,760$562,000
47$549,491$467,371$444,887$581,206
48$575,377$460,110$429,629$601,491
49$602,954$451,543$412,910$622,950
50$632,363$441,577$394,650$645,688
51$663,761$430,111$374,768$669,820
52$697,319$417,041$353,177$695,475
53$733,224$402,254$329,787$722,792
54$771,682$385,634$304,504$751,928
55$812,918$367,055$277,229$783,055
56$857,180$346,385$247,861$816,360
57$904,739$323,484$216,291$852,054
58$955,893$298,206$182,407$890,366
59$1,010,969$270,393$146,093$931,551
60$1,070,326$239,881$107,225$975,890
61$1,134,360$206,495$65,678$1,023,692
62$1,203,503$170,051$21,316$1,075,300
63$1,278,232$130,355$0$1,131,091
64$1,359,070$87,202$0$1,193,981
65$1,446,593$40,373$0$1,264,276
66$1,541,434$0$0$1,340,451
67$1,644,288$0$0$1,424,448
68$1,755,921$0$0$1,521,411
69$1,877,173$0$0$1,626,742
70$2,008,971$0$0$1,741,247
71$2,152,333$0$0$1,865,812
72$2,308,378$0$0$2,001,411
73$2,478,341$0$0$2,149,118
74$2,663,576$0$0$2,310,113
75$2,865,577$0$0$2,485,696
76$3,085,988$0$0$2,677,297
77$3,326,616$0$0$2,886,490
78$3,589,453$0$0$3,115,008
79$3,876,690$0$0$3,364,759
80$4,190,740$0$0$3,637,843
81$4,534,260$0$0$3,936,573
82$4,910,176$0$0$4,263,496
83$5,321,707$0$0$4,621,414
84$5,772,401$0$0$5,013,415
85$6,266,165$0$0$5,442,900
86$6,807,299$0$0$5,913,613
87$7,400,541$0$0$6,429,679
88$8,051,110$0$0$6,995,638
89$8,764,751$0$0$7,616,495
90$9,547,796$0$0$8,297,759
91$10,407,215$0$0$9,045,501
92$11,350,690$0$0$9,866,404
93$12,386,681$0$0$10,767,836
94$13,524,506$0$0$11,757,907
95$14,774,433$0$0$12,845,557
96$16,147,771$0$0$14,040,629
97$17,656,979$0$0$15,353,970
98$19,315,783$0$0$16,797,530
99$21,139,307$0$0$18,384,473
100$23,144,208$0$0$20,129,303