Can I retire at age 45 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$44,262$43,868$43,483$43,108$42,741$42,016
2 years$21,912$21,504$21,108$20,725$20,353$19,624
3 years$14,463$14,053$13,659$13,279$12,913$12,204
4 years$10,739$10,331$9,940$9,567$9,210$8,525
5 years$8,505$8,099$7,714$7,348$7,001$6,344
6 years$7,017$6,614$6,234$5,876$5,540$4,910
7 years$5,954$5,554$5,180$4,831$4,505$3,904
8 years$5,157$4,761$4,393$4,053$3,737$3,164
9 years$4,538$4,145$3,784$3,452$3,147$2,601
10 years$4,042$3,654$3,299$2,976$2,682$2,162
11 years$3,637$3,253$2,904$2,590$2,306$1,813
12 years$3,300$2,920$2,578$2,272$1,999$1,531
13 years$3,015$2,638$2,303$2,005$1,743$1,300
14 years$2,771$2,398$2,069$1,780$1,528$1,110
15 years$2,559$2,191$1,868$1,588$1,345$951
16 years$2,375$2,010$1,694$1,422$1,189$817
17 years$2,212$1,851$1,541$1,277$1,054$704
18 years$2,067$1,711$1,407$1,151$937$608
19 years$1,938$1,585$1,288$1,040$835$526
20 years$1,822$1,473$1,182$942$746$456
21 years$1,717$1,372$1,087$855$668$396
22 years$1,621$1,281$1,002$777$599$344
23 years$1,534$1,198$925$708$537$300
24 years$1,455$1,122$856$646$483$261
25 years$1,382$1,053$793$590$435$227
26 years$1,315$990$735$539$391$198
27 years$1,252$932$683$494$353$173
28 years$1,195$878$635$452$318$151
29 years$1,141$828$590$415$288$132
30 years$1,091$782$550$381$260$115
31 years$1,044$739$513$349$235$101
32 years$1,001$700$478$321$212$88
33 years$960$663$447$295$192$77
34 years$921$628$417$272$174$68
35 years$885$596$390$250$158$59
36 years$851$565$365$230$143$52
37 years$819$537$342$212$130$45
38 years$789$510$320$196$117$40
39 years$760$485$300$180$106$35
40 years$733$462$281$166$97$30
41 years$707$439$263$154$88$27
42 years$682$419$247$142$79$23
43 years$659$399$232$131$72$20
44 years$637$380$218$121$65$18
45 years$616$362$204$112$59$16
46 years$595$346$192$103$54$14
47 years$576$330$180$95$49$12
48 years$558$315$169$88$45$11
49 years$540$301$159$81$40$9
50 years$523$287$150$75$37$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $536,000, adding $6,452 every year, while hoping to spend $40,136 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: 79/14/7 Blend
44$536,000$536,000$536,000$536,000
45$597,327$568,919$560,611$643,533
46$615,550$554,092$536,687$659,921
47$634,287$537,193$510,617$671,985
48$653,547$518,078$482,285$684,020
49$673,340$496,596$451,573$696,004
50$693,676$472,584$418,356$707,911
51$714,564$445,873$382,504$719,715
52$736,011$416,282$343,879$731,388
53$758,025$383,621$302,340$742,897
54$780,613$347,689$257,739$754,208
55$803,782$308,271$209,919$765,284
56$827,535$265,144$158,719$776,085
57$851,877$218,069$103,969$786,567
58$876,809$166,796$45,493$796,683
59$902,333$111,058$0$806,380
60$928,448$50,577$0$816,865
61$955,149$0$0$830,525
62$982,432$0$0$846,208
63$1,010,288$0$0$870,173
64$1,038,707$0$0$894,618
65$1,067,673$0$0$919,532
66$1,097,169$0$0$944,896
67$1,127,172$0$0$970,693
68$1,157,655$0$0$996,897
69$1,188,587$0$0$1,023,481
70$1,219,928$0$0$1,050,411
71$1,251,634$0$0$1,077,647
72$1,283,654$0$0$1,105,144
73$1,315,926$0$0$1,132,850
74$1,348,383$0$0$1,160,704
75$1,380,944$0$0$1,188,636
76$1,413,520$0$0$1,216,568
77$1,446,008$0$0$1,244,410
78$1,478,291$0$0$1,272,060
79$1,510,238$0$0$1,299,403
80$1,541,701$0$0$1,326,309
81$1,572,511$0$0$1,352,632
82$1,602,481$0$0$1,378,208
83$1,631,399$0$0$1,402,852
84$1,659,029$0$0$1,426,358
85$1,685,107$0$0$1,448,494
86$1,709,335$0$0$1,469,003
87$1,731,383$0$0$1,487,596
88$1,750,882$0$0$1,503,951
89$1,767,422$0$0$1,517,710
90$1,780,544$0$0$1,528,473
91$1,789,740$0$0$1,535,797
92$1,794,442$0$0$1,539,188
93$1,794,021$0$0$1,538,096
94$1,787,779$0$0$1,531,914
95$1,774,939$0$0$1,519,965
96$1,754,641$0$0$1,501,498
97$1,725,930$0$0$1,475,682
98$1,687,749$0$0$1,441,595
99$1,638,925$0$0$1,398,217
100$1,578,160$0$0$1,344,415