Can I retire at age 45 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$66,889$66,293$65,712$65,145$64,591$62,448
2 years$33,113$32,497$31,899$31,319$30,757$28,620
3 years$21,856$21,237$20,641$20,067$19,514$17,448
4 years$16,229$15,611$15,021$14,457$13,917$11,939
5 years$12,853$12,240$11,657$11,104$10,580$8,694
6 years$10,604$9,994$9,421$8,880$8,371$6,581
7 years$8,997$8,393$7,829$7,301$6,808$5,112
8 years$7,793$7,195$6,639$6,125$5,648$4,044
9 years$6,857$6,264$5,718$5,217$4,756$3,244
10 years$6,109$5,522$4,985$4,497$4,053$2,629
11 years$5,497$4,916$4,389$3,914$3,486$2,148
12 years$4,987$4,412$3,895$3,433$3,020$1,766
13 years$4,556$3,987$3,480$3,031$2,634$1,459
14 years$4,187$3,624$3,127$2,690$2,309$1,210
15 years$3,868$3,311$2,823$2,399$2,033$1,007
16 years$3,589$3,038$2,560$2,148$1,797$841
17 years$3,342$2,797$2,329$1,930$1,593$703
18 years$3,124$2,585$2,126$1,739$1,416$589
19 years$2,929$2,396$1,946$1,572$1,263$495
20 years$2,753$2,226$1,786$1,424$1,128$416
21 years$2,594$2,074$1,643$1,292$1,009$350
22 years$2,450$1,936$1,514$1,175$905$295
23 years$2,319$1,810$1,398$1,070$812$248
24 years$2,199$1,696$1,293$976$730$209
25 years$2,088$1,592$1,198$891$657$177
26 years$1,987$1,496$1,111$815$592$149
27 years$1,892$1,408$1,031$746$533$126
28 years$1,805$1,327$959$683$481$106
29 years$1,724$1,252$892$627$435$90
30 years$1,649$1,182$831$575$393$76
31 years$1,578$1,117$775$528$355$64
32 years$1,512$1,057$723$485$321$54
33 years$1,451$1,001$675$446$291$46
34 years$1,393$949$631$411$263$39
35 years$1,338$900$590$378$238$33
36 years$1,286$854$552$348$216$28
37 years$1,238$811$516$321$196$23
38 years$1,192$771$484$296$177$20
39 years$1,149$733$453$273$161$17
40 years$1,107$698$425$251$146$14
41 years$1,068$664$398$232$132$12
42 years$1,031$632$373$214$120$10
43 years$996$603$350$198$109$9
44 years$962$574$329$183$99$7
45 years$930$548$309$169$90$6
46 years$900$523$290$156$82$5
47 years$871$499$273$144$74$4
48 years$843$476$256$133$67$4
49 years$816$455$241$123$61$3
50 years$791$434$226$114$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $810,000, adding $6,610 every year, while hoping to spend $20,662 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: 76/9/15 Blend
44$810,000$810,000$810,000$810,000
45$899,438$856,508$843,953$964,401
46$969,197$876,493$850,241$1,028,192
47$1,045,378$896,764$856,048$1,094,869
48$1,128,616$917,315$861,334$1,167,404
49$1,219,607$938,135$866,061$1,246,373
50$1,319,119$959,216$870,186$1,332,413
51$1,427,997$980,546$873,666$1,426,222
52$1,547,172$1,002,112$876,453$1,528,572
53$1,677,669$1,023,901$878,500$1,640,312
54$1,820,616$1,045,897$879,754$1,762,379
55$1,977,256$1,068,083$880,164$1,895,804
56$2,148,958$1,090,442$879,671$2,041,722
57$2,337,230$1,112,951$878,218$2,201,385
58$2,543,731$1,135,589$875,742$2,376,172
59$2,770,290$1,158,332$872,178$2,567,602
60$3,018,922$1,181,152$867,458$2,777,349
61$3,291,846$1,204,022$861,512$3,007,258
62$3,591,505$1,226,910$854,263$3,259,362
63$3,920,592$1,249,782$845,634$3,535,899
64$4,282,072$1,272,601$835,543$3,839,338
65$4,679,213$1,295,329$823,903$4,172,398
66$5,115,615$1,317,921$810,625$4,538,076
67$5,595,241$1,340,333$795,615$4,939,674
68$6,122,461$1,362,515$778,774$5,380,830
69$6,702,088$1,384,414$759,998$5,865,555
70$7,339,423$1,405,972$739,180$6,398,267
71$8,040,308$1,427,129$716,207$6,983,835
72$8,811,181$1,447,820$690,961$7,627,627
73$9,659,131$1,467,973$663,318$8,335,554
74$10,591,972$1,487,513$633,149$9,114,134
75$11,618,313$1,506,361$600,319$9,970,548
76$12,747,638$1,524,430$564,687$10,912,711
77$13,990,399$1,541,628$526,106$11,949,343
78$15,358,109$1,557,858$484,421$13,090,056
79$16,863,459$1,573,015$439,471$14,345,441
80$18,520,426$1,586,988$391,088$15,727,171
81$20,344,417$1,599,657$339,096$17,248,108
82$22,352,404$1,610,897$283,313$18,922,429
83$24,563,091$1,620,573$223,545$20,765,755
84$26,997,086$1,628,541$159,594$22,795,303
85$29,677,098$1,634,649$91,250$25,030,044
86$32,628,151$1,638,735$18,295$27,490,888
87$35,877,816$1,640,627$0$30,200,874
88$39,456,477$1,640,142$0$33,194,930
89$43,397,615$1,637,086$0$36,495,249
90$47,738,120$1,631,252$0$40,129,779
91$52,518,647$1,622,421$0$44,132,548
92$57,783,991$1,610,362$0$48,541,050
93$63,583,516$1,594,828$0$53,396,605
94$69,971,618$1,575,558$0$58,744,747
95$77,008,237$1,552,274$0$64,635,649
96$84,759,427$1,524,685$0$71,124,605
97$93,297,973$1,492,479$0$78,272,545
98$102,704,082$1,455,327$0$86,146,613
99$113,066,141$1,412,880$0$94,820,801
100$124,481,547$1,364,771$0$104,376,646