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%14.5%
1 years$43,354$42,968$42,591$42,223$41,864$41,086
2 years$21,462$21,063$20,675$20,300$19,935$19,154
3 years$14,166$13,765$13,378$13,006$12,648$11,888
4 years$10,519$10,118$9,736$9,370$9,021$8,288
5 years$8,331$7,933$7,556$7,197$6,857$6,154
6 years$6,873$6,478$6,106$5,756$5,426$4,753
7 years$5,832$5,440$5,074$4,732$4,413$3,770
8 years$5,051$4,663$4,303$3,970$3,661$3,049
9 years$4,444$4,060$3,706$3,381$3,083$2,500
10 years$3,959$3,579$3,231$2,915$2,627$2,074
11 years$3,563$3,186$2,845$2,537$2,259$1,735
12 years$3,232$2,860$2,525$2,225$1,958$1,461
13 years$2,953$2,584$2,256$1,964$1,707$1,238
14 years$2,714$2,349$2,027$1,744$1,496$1,053
15 years$2,507$2,146$1,830$1,555$1,318$900
16 years$2,326$1,969$1,659$1,392$1,165$771
17 years$2,166$1,813$1,510$1,251$1,033$662
18 years$2,025$1,675$1,378$1,127$918$571
19 years$1,898$1,553$1,262$1,019$818$492
20 years$1,784$1,443$1,158$923$731$426
21 years$1,681$1,344$1,065$837$654$368
22 years$1,588$1,255$982$761$586$319
23 years$1,503$1,173$906$693$526$277
24 years$1,425$1,099$838$632$473$240
25 years$1,354$1,032$776$578$426$209
26 years$1,288$970$720$528$383$182
27 years$1,227$913$669$483$346$158
28 years$1,170$860$622$443$312$138
29 years$1,118$811$578$406$282$120
30 years$1,069$766$539$373$255$104
31 years$1,023$724$502$342$230$91
32 years$980$685$469$315$208$79
33 years$940$649$438$289$188$69
34 years$903$615$409$266$171$60
35 years$867$583$382$245$154$53
36 years$834$554$358$226$140$46
37 years$802$526$335$208$127$40
38 years$773$500$313$192$115$35
39 years$744$475$294$177$104$30
40 years$718$452$275$163$95$27
41 years$692$430$258$150$86$23
42 years$668$410$242$139$78$20
43 years$646$391$227$128$71$18
44 years$624$372$213$118$64$15
45 years$603$355$200$109$58$13
46 years$583$339$188$101$53$12
47 years$564$323$177$93$48$10
48 years$546$309$166$86$44$9
49 years$529$295$156$80$40$8
50 years$513$281$147$74$36$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $525,000, adding $3,634 every year, while hoping to spend $33,185 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: 50/42/8 Blend
44$525,000$525,000$525,000$525,000
45$582,298$554,473$546,336$610,029
46$606,384$546,334$529,330$621,209
47$631,815$536,684$510,641$629,506
48$658,692$525,413$490,180$637,744
49$687,127$512,407$467,849$645,923
50$717,242$497,543$443,550$654,049
51$749,169$480,691$417,178$662,129
52$783,054$461,715$388,623$670,175
53$819,056$440,469$357,772$678,200
54$857,348$416,801$324,506$686,223
55$898,121$390,547$288,700$694,268
56$941,582$361,536$250,224$702,361
57$987,959$329,587$208,943$710,538
58$1,037,502$294,509$164,714$718,841
59$1,090,485$256,098$117,390$727,319
60$1,147,208$214,140$66,816$736,029
61$1,208,000$168,409$12,830$745,042
62$1,273,221$118,666$0$754,435
63$1,343,268$64,659$0$768,125
64$1,418,576$6,122$0$783,813
65$1,499,621$0$0$800,542
66$1,586,928$0$0$844,918
67$1,681,072$0$0$895,863
68$1,782,685$0$0$950,894
69$1,892,463$0$0$1,010,394
70$2,011,168$0$0$1,074,781
71$2,139,639$0$0$1,144,518
72$2,278,800$0$0$1,220,111
73$2,429,664$0$0$1,302,118
74$2,593,347$0$0$1,391,154
75$2,771,074$0$0$1,487,892
76$2,964,196$0$0$1,593,074
77$3,174,196$0$0$1,707,518
78$3,402,708$0$0$1,832,122
79$3,651,527$0$0$1,967,874
80$3,922,630$0$0$2,115,862
81$4,218,193$0$0$2,277,284
82$4,540,610$0$0$2,453,457
83$4,892,518$0$0$2,645,833
84$5,276,815$0$0$2,856,007
85$5,696,697$0$0$3,085,740
86$6,155,679$0$0$3,336,965
87$6,657,631$0$0$3,611,814
88$7,206,816$0$0$3,912,633
89$7,807,926$0$0$4,242,008
90$8,466,128$0$0$4,602,782
91$9,187,114$0$0$4,998,091
92$9,977,150$0$0$5,431,384
93$10,843,137$0$0$5,906,463
94$11,792,677$0$0$6,427,514
95$12,834,141$0$0$6,999,148
96$13,976,752$0$0$7,626,444
97$15,230,664$0$0$8,314,995
98$16,607,067$0$0$9,070,965
99$18,118,283$0$0$9,901,139
100$19,777,888$0$0$10,812,998