Can I retire at age 45 with 831,000?

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 $831,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$68,623$68,012$67,416$66,833$66,265$65,930
2 years$33,972$33,339$32,726$32,131$31,555$31,217
3 years$22,423$21,788$21,176$20,587$20,020$19,689
4 years$16,650$16,016$15,411$14,832$14,278$13,958
5 years$13,187$12,557$11,959$11,392$10,854$10,544
6 years$10,879$10,254$9,665$9,110$8,588$8,290
7 years$9,231$8,611$8,032$7,490$6,985$6,698
8 years$7,995$7,381$6,811$6,283$5,794$5,519
9 years$7,035$6,427$5,867$5,352$4,880$4,616
10 years$6,267$5,665$5,115$4,613$4,158$3,905
11 years$5,639$5,043$4,503$4,015$3,576$3,334
12 years$5,117$4,526$3,996$3,522$3,099$2,868
13 years$4,674$4,090$3,570$3,109$2,702$2,482
14 years$4,296$3,718$3,208$2,760$2,369$2,159
15 years$3,968$3,397$2,896$2,461$2,086$1,886
16 years$3,682$3,116$2,626$2,204$1,843$1,653
17 years$3,429$2,870$2,390$1,980$1,634$1,454
18 years$3,205$2,652$2,181$1,785$1,453$1,282
19 years$3,004$2,458$1,997$1,613$1,295$1,133
20 years$2,824$2,284$1,833$1,460$1,157$1,004
21 years$2,662$2,127$1,686$1,325$1,035$890
22 years$2,514$1,986$1,554$1,205$928$791
23 years$2,379$1,857$1,435$1,098$833$704
24 years$2,256$1,740$1,327$1,001$749$627
25 years$2,142$1,633$1,229$914$674$559
26 years$2,038$1,535$1,140$836$607$499
27 years$1,942$1,444$1,058$765$547$446
28 years$1,852$1,361$984$701$494$398
29 years$1,769$1,284$915$643$446$356
30 years$1,692$1,213$853$590$403$319
31 years$1,619$1,146$795$542$364$285
32 years$1,552$1,085$742$498$329$256
33 years$1,488$1,027$693$458$298$229
34 years$1,429$974$647$421$270$205
35 years$1,373$923$605$388$244$184
36 years$1,320$876$566$357$222$165
37 years$1,270$832$530$329$201$148
38 years$1,223$791$496$303$182$133
39 years$1,178$752$465$280$165$119
40 years$1,136$716$436$258$150$107
41 years$1,096$681$408$238$136$96
42 years$1,058$649$383$220$123$86
43 years$1,022$618$360$203$112$78
44 years$987$589$337$187$102$70
45 years$955$562$317$173$92$63
46 years$923$536$298$160$84$56
47 years$893$512$280$148$76$51
48 years$865$488$263$136$69$45
49 years$837$466$247$126$63$41
50 years$811$445$232$116$57$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $831,000, adding $4,043 every year, while hoping to spend $53,583 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: 59/16/25 Blend
44$831,000$831,000$831,000$831,000
45$919,932$875,889$863,009$967,792
46$956,754$861,796$834,908$986,781
47$995,535$845,216$804,069$1,001,382
48$1,036,419$825,972$770,346$1,016,162
49$1,079,563$803,873$733,581$1,031,151
50$1,125,136$778,721$693,614$1,046,385
51$1,173,325$750,303$650,275$1,061,904
52$1,224,332$718,396$603,387$1,077,758
53$1,278,378$682,762$552,765$1,094,003
54$1,335,706$643,151$498,216$1,110,704
55$1,396,580$599,297$439,538$1,127,938
56$1,461,289$550,920$376,520$1,145,790
57$1,530,149$497,724$308,942$1,164,359
58$1,603,507$439,395$236,575$1,183,760
59$1,681,742$375,602$159,177$1,204,122
60$1,765,269$305,996$76,499$1,225,590
61$1,854,543$230,207$0$1,248,332
62$1,950,064$147,845$0$1,275,666
63$2,052,378$58,497$0$1,326,656
64$2,162,086$0$0$1,381,190
65$2,279,846$0$0$1,446,358
66$2,406,379$0$0$1,527,495
67$2,542,479$0$0$1,614,816
68$2,689,018$0$0$1,708,888
69$2,846,950$0$0$1,810,329
70$3,017,326$0$0$1,919,822
71$3,201,300$0$0$2,038,116
72$3,400,140$0$0$2,166,034
73$3,615,240$0$0$2,304,480
74$3,848,130$0$0$2,454,449
75$4,100,496$0$0$2,617,035
76$4,374,188$0$0$2,793,441
77$4,671,244$0$0$2,984,987
78$4,993,902$0$0$3,193,130
79$5,344,627$0$0$3,419,469
80$5,726,127$0$0$3,665,765
81$6,141,386$0$0$3,933,954
82$6,593,683$0$0$4,226,169
83$7,086,631$0$0$4,544,755
84$7,624,201$0$0$4,892,293
85$8,210,767$0$0$5,271,625
86$8,851,143$0$0$5,685,879
87$9,550,629$0$0$6,138,499
88$10,315,057$0$0$6,633,274
89$11,150,850$0$0$7,174,379
90$12,065,079$0$0$7,766,408
91$13,065,530$0$0$8,414,422
92$14,160,776$0$0$9,123,993
93$15,360,258$0$0$9,901,255
94$16,674,372$0$0$10,752,967
95$18,114,568$0$0$11,686,570
96$19,693,455$0$0$12,710,259
97$21,424,922$0$0$13,833,062
98$23,324,264$0$0$15,064,922
99$25,408,330$0$0$16,416,788
100$27,695,678$0$0$17,900,725