Can I retire at age 45 with 735,000?

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 $735,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$60,696$60,155$59,627$59,113$58,610$57,998
2 years$30,047$29,488$28,945$28,420$27,909$27,293
3 years$19,833$19,271$18,730$18,209$17,707$17,105
4 years$14,726$14,166$13,630$13,118$12,629$12,047
5 years$11,663$11,106$10,578$10,076$9,600$9,039
6 years$9,622$9,069$8,548$8,058$7,596$7,057
7 years$8,164$7,616$7,104$6,625$6,178$5,661
8 years$7,072$6,528$6,025$5,557$5,125$4,630
9 years$6,222$5,684$5,189$4,734$4,316$3,843
10 years$5,543$5,010$4,524$4,081$3,678$3,226
11 years$4,988$4,460$3,983$3,551$3,163$2,732
12 years$4,525$4,003$3,535$3,115$2,741$2,331
13 years$4,134$3,618$3,158$2,750$2,390$2,001
14 years$3,800$3,289$2,837$2,441$2,095$1,725
15 years$3,510$3,004$2,562$2,177$1,845$1,494
16 years$3,256$2,756$2,323$1,949$1,630$1,298
17 years$3,033$2,538$2,113$1,751$1,446$1,132
18 years$2,835$2,346$1,929$1,578$1,285$989
19 years$2,657$2,174$1,766$1,426$1,146$866
20 years$2,498$2,020$1,621$1,292$1,023$760
21 years$2,354$1,882$1,491$1,172$916$667
22 years$2,223$1,756$1,374$1,066$821$587
23 years$2,104$1,643$1,269$971$737$517
24 years$1,995$1,539$1,173$885$662$456
25 years$1,895$1,444$1,087$809$596$403
26 years$1,803$1,358$1,008$739$537$356
27 years$1,717$1,278$936$677$484$315
28 years$1,638$1,204$870$620$437$278
29 years$1,565$1,136$810$569$394$246
30 years$1,496$1,073$754$522$356$218
31 years$1,432$1,014$703$479$322$193
32 years$1,372$959$656$440$291$171
33 years$1,316$909$613$405$264$152
34 years$1,264$861$572$373$239$135
35 years$1,214$817$535$343$216$119
36 years$1,167$775$501$316$196$106
37 years$1,123$736$469$291$178$94
38 years$1,082$700$439$268$161$83
39 years$1,042$665$411$247$146$74
40 years$1,005$633$385$228$132$66
41 years$969$603$361$211$120$58
42 years$936$574$339$194$109$52
43 years$904$547$318$179$99$46
44 years$873$521$298$166$90$41
45 years$844$497$280$153$82$36
46 years$817$474$263$141$74$32
47 years$790$452$247$131$67$29
48 years$765$432$232$121$61$25
49 years$741$412$218$111$55$23
50 years$718$394$205$103$50$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $735,000, adding $5,022 every year, while hoping to spend $22,665 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: 63/29/8 Blend
44$735,000$735,000$735,000$735,000
45$815,150$776,195$764,803$864,866
46$874,180$790,113$766,308$912,584
47$938,471$803,954$767,105$961,557
48$1,008,537$817,689$767,144$1,014,446
49$1,084,941$831,289$766,376$1,071,629
50$1,168,304$844,722$764,749$1,133,525
51$1,259,311$857,952$762,208$1,200,592
52$1,358,713$870,945$758,695$1,273,336
53$1,467,339$883,658$754,148$1,352,317
54$1,586,102$896,051$748,506$1,438,149
55$1,716,004$908,078$741,701$1,531,510
56$1,858,152$919,689$733,664$1,633,147
57$2,013,764$930,834$724,321$1,743,884
58$2,184,179$941,457$713,598$1,864,628
59$2,370,875$951,497$701,413$1,996,380
60$2,575,477$960,893$687,682$2,140,242
61$2,799,775$969,577$672,320$2,297,430
62$3,045,742$977,477$655,233$2,469,284
63$3,315,551$984,515$636,326$2,657,281
64$3,611,592$990,612$615,498$2,863,048
65$3,936,503$995,680$592,645$3,088,380
66$4,293,185$999,627$567,657$3,335,256
67$4,684,836$1,002,355$540,420$3,605,856
68$5,114,978$1,003,760$510,813$3,902,584
69$5,587,492$1,003,730$478,712$4,228,091
70$6,106,652$1,002,149$443,985$4,585,296
71$6,677,168$998,891$406,495$4,977,421
72$7,304,226$993,824$366,100$5,408,016
73$7,993,544$986,808$322,651$5,880,992
74$8,751,416$977,693$275,991$6,400,665
75$9,584,781$966,320$225,957$6,971,787
76$10,501,283$952,524$172,380$7,599,602
77$11,509,341$936,125$115,082$8,289,887
78$12,618,235$916,935$53,878$9,049,011
79$13,838,186$894,757$0$9,883,994
80$15,180,458$869,377$0$10,803,552
81$16,657,462$840,573$0$11,820,211
82$18,282,870$808,109$0$12,938,788
83$20,071,751$771,734$0$14,169,667
84$22,040,704$731,184$0$15,524,292
85$24,208,022$686,177$0$17,015,279
86$26,593,859$636,420$0$18,656,531
87$29,220,426$581,598$0$20,463,369
88$32,112,194$521,380$0$22,452,685
89$35,296,127$455,417$0$24,643,092
90$38,801,939$383,339$0$27,055,105
91$42,662,370$304,756$0$29,711,338
92$46,913,498$219,256$0$32,636,712
93$51,595,078$126,402$0$35,858,693
94$56,750,915$25,735$0$39,407,556
95$62,429,282$0$0$43,316,665
96$68,683,370$0$0$47,649,354
97$75,571,793$0$0$52,430,616
98$83,159,142$0$0$57,697,079
99$91,516,589$0$0$63,498,155
100$100,722,565$0$0$69,888,294