Can I retire at age 45 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$43,354$42,968$42,591$42,223$41,864$41,393
2 years$21,462$21,063$20,675$20,300$19,935$19,461
3 years$14,166$13,765$13,378$13,006$12,648$12,185
4 years$10,519$10,118$9,736$9,370$9,021$8,572
5 years$8,331$7,933$7,556$7,197$6,857$6,426
6 years$6,873$6,478$6,106$5,756$5,426$5,011
7 years$5,832$5,440$5,074$4,732$4,413$4,015
8 years$5,051$4,663$4,303$3,970$3,661$3,280
9 years$4,444$4,060$3,706$3,381$3,083$2,720
10 years$3,959$3,579$3,231$2,915$2,627$2,280
11 years$3,563$3,186$2,845$2,537$2,259$1,929
12 years$3,232$2,860$2,525$2,225$1,958$1,644
13 years$2,953$2,584$2,256$1,964$1,707$1,409
14 years$2,714$2,349$2,027$1,744$1,496$1,213
15 years$2,507$2,146$1,830$1,555$1,318$1,049
16 years$2,326$1,969$1,659$1,392$1,165$911
17 years$2,166$1,813$1,510$1,251$1,033$793
18 years$2,025$1,675$1,378$1,127$918$691
19 years$1,898$1,553$1,262$1,019$818$605
20 years$1,784$1,443$1,158$923$731$530
21 years$1,681$1,344$1,065$837$654$465
22 years$1,588$1,255$982$761$586$408
23 years$1,503$1,173$906$693$526$359
24 years$1,425$1,099$838$632$473$316
25 years$1,354$1,032$776$578$426$279
26 years$1,288$970$720$528$383$246
27 years$1,227$913$669$483$346$217
28 years$1,170$860$622$443$312$192
29 years$1,118$811$578$406$282$169
30 years$1,069$766$539$373$255$150
31 years$1,023$724$502$342$230$132
32 years$980$685$469$315$208$117
33 years$940$649$438$289$188$104
34 years$903$615$409$266$171$92
35 years$867$583$382$245$154$81
36 years$834$554$358$226$140$72
37 years$802$526$335$208$127$64
38 years$773$500$313$192$115$57
39 years$744$475$294$177$104$50
40 years$718$452$275$163$95$44
41 years$692$430$258$150$86$39
42 years$668$410$242$139$78$35
43 years$646$391$227$128$71$31
44 years$624$372$213$118$64$27
45 years$603$355$200$109$58$24
46 years$583$339$188$101$53$22
47 years$564$323$177$93$48$19
48 years$546$309$166$86$44$17
49 years$529$295$156$80$40$15
50 years$513$281$147$74$36$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $525,000, adding $6,363 every year, while hoping to spend $26,593 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: 61/27/12 Blend
44$525,000$525,000$525,000$525,000
45$585,113$557,288$549,151$618,750
46$616,500$556,301$539,253$641,112
47$650,197$554,374$528,132$661,909
48$686,412$551,432$515,719$683,954
49$725,372$547,399$501,942$707,368
50$767,328$542,190$486,725$732,287
51$812,555$535,716$469,989$758,860
52$861,354$527,884$451,652$787,254
53$914,057$518,595$431,627$817,653
54$971,028$507,744$409,824$850,261
55$1,032,668$495,218$386,148$885,303
56$1,099,417$480,901$360,501$923,031
57$1,171,759$464,667$332,779$963,721
58$1,250,226$446,383$302,875$1,007,681
59$1,335,403$425,910$270,676$1,055,250
60$1,427,935$403,101$236,064$1,106,805
61$1,528,530$377,798$198,917$1,162,762
62$1,637,965$349,835$159,107$1,223,583
63$1,757,099$319,039$116,498$1,289,777
64$1,886,875$285,223$70,953$1,361,908
65$2,028,330$248,193$22,324$1,440,602
66$2,182,607$207,742$0$1,526,549
67$2,350,963$163,652$0$1,624,298
68$2,534,782$115,691$0$1,734,205
69$2,735,587$63,617$0$1,854,362
70$2,955,055$7,173$0$1,985,825
71$3,195,033$0$0$2,129,758
72$3,457,553$0$0$2,303,464
73$3,744,854$0$0$2,495,939
74$4,059,400$0$0$2,706,708
75$4,403,907$0$0$2,937,596
76$4,781,362$0$0$3,190,611
77$5,195,057$0$0$3,467,964
78$5,648,618$0$0$3,772,093
79$6,146,038$0$0$4,105,681
80$6,691,715$0$0$4,471,682
81$7,290,492$0$0$4,873,354
82$7,947,705$0$0$5,314,281
83$8,669,232$0$0$5,798,413
84$9,461,547$0$0$6,330,103
85$10,331,782$0$0$6,914,143
86$11,287,793$0$0$7,555,813
87$12,338,236$0$0$8,260,932
88$13,492,645$0$0$9,035,907
89$14,761,524$0$0$9,887,798
90$16,156,448$0$0$10,824,385
91$17,690,165$0$0$11,854,237
92$19,376,722$0$0$12,986,795
93$21,231,596$0$0$14,232,462
94$23,271,839$0$0$15,602,698
95$25,516,237$0$0$17,110,133
96$27,985,489$0$0$18,768,679
97$30,702,404$0$0$20,593,665
98$33,692,108$0$0$22,601,984
99$36,982,292$0$0$24,812,246
100$40,603,462$0$0$27,244,957