Can I retire at age 45 with 539,000?

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 $539,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$44,510$44,114$43,727$43,349$42,981$42,096
2 years$22,035$21,624$21,227$20,841$20,467$19,579
3 years$14,544$14,132$13,735$13,353$12,985$12,123
4 years$10,799$10,388$9,996$9,620$9,261$8,430
5 years$8,553$8,145$7,757$7,389$7,040$6,243
6 years$7,056$6,651$6,269$5,909$5,571$4,809
7 years$5,987$5,585$5,209$4,858$4,530$3,804
8 years$5,186$4,788$4,418$4,075$3,758$3,067
9 years$4,563$4,168$3,805$3,471$3,165$2,508
10 years$4,065$3,674$3,317$2,992$2,697$2,073
11 years$3,658$3,271$2,921$2,604$2,319$1,729
12 years$3,319$2,936$2,592$2,284$2,010$1,451
13 years$3,032$2,653$2,316$2,017$1,753$1,225
14 years$2,786$2,412$2,081$1,790$1,536$1,039
15 years$2,574$2,203$1,879$1,597$1,353$885
16 years$2,388$2,021$1,703$1,430$1,196$756
17 years$2,224$1,862$1,550$1,284$1,060$647
18 years$2,079$1,720$1,415$1,158$943$555
19 years$1,949$1,594$1,295$1,046$840$477
20 years$1,832$1,481$1,189$947$750$411
21 years$1,726$1,380$1,093$860$672$354
22 years$1,630$1,288$1,008$782$602$306
23 years$1,543$1,205$930$712$540$264
24 years$1,463$1,129$861$649$486$229
25 years$1,390$1,059$797$593$437$198
26 years$1,322$996$739$542$394$171
27 years$1,259$937$686$496$355$148
28 years$1,201$883$638$455$320$129
29 years$1,147$833$594$417$289$112
30 years$1,097$787$553$383$261$97
31 years$1,050$744$516$351$236$84
32 years$1,006$704$481$323$214$73
33 years$965$666$449$297$193$63
34 years$927$631$420$273$175$55
35 years$890$599$392$252$159$48
36 years$856$568$367$232$144$42
37 years$824$540$344$213$130$36
38 years$793$513$322$197$118$31
39 years$764$488$301$181$107$27
40 years$737$464$283$167$97$24
41 years$711$442$265$154$88$21
42 years$686$421$249$142$80$18
43 years$663$401$233$132$73$16
44 years$640$382$219$121$66$14
45 years$619$364$206$112$60$12
46 years$599$348$193$104$54$10
47 years$579$332$181$96$49$9
48 years$561$317$170$88$45$8
49 years$543$302$160$82$41$7
50 years$526$289$151$76$37$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $539,000, adding $5,682 every year, while hoping to spend $45,255 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: 28/46/26 Blend
44$539,000$539,000$539,000$539,000
45$599,839$571,272$562,917$611,659
46$612,872$551,113$533,624$601,312
47$625,717$528,450$501,833$585,888
48$638,308$503,112$467,412$568,390
49$650,569$474,918$430,224$548,673
50$662,416$443,679$390,126$526,579
51$673,755$409,191$346,968$501,942
52$684,479$371,242$300,592$474,583
53$694,470$329,607$250,836$444,315
54$703,595$284,048$197,528$410,934
55$711,708$234,312$140,491$374,228
56$718,642$180,133$79,538$333,966
57$724,216$121,232$14,475$289,904
58$728,225$57,311$0$241,782
59$730,442$0$0$204,569
60$730,615$0$0$174,043
61$728,465$0$0$171,760
62$723,680$0$0$168,614
63$715,916$0$0$164,495
64$704,790$0$0$159,286
65$689,878$0$0$152,852
66$670,711$0$0$145,047
67$646,769$0$0$135,709
68$617,476$0$0$124,659
69$582,194$0$0$111,698
70$540,217$0$0$96,605
71$490,767$0$0$79,139
72$432,979$0$0$59,031
73$365,899$0$0$35,984
74$288,473$0$0$9,670
75$199,535$0$0$0
76$97,797$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0