Can I retire at age 45 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$70,357$69,731$69,119$68,522$67,940$65,296
2 years$34,830$34,182$33,553$32,943$32,352$29,720
3 years$22,990$22,338$21,711$21,107$20,526$17,989
4 years$17,070$16,421$15,800$15,207$14,639$12,216
5 years$13,520$12,874$12,262$11,680$11,128$8,826
6 years$11,153$10,513$9,909$9,341$8,805$6,626
7 years$9,464$8,829$8,235$7,679$7,161$5,103
8 years$8,197$7,568$6,984$6,442$5,941$4,002
9 years$7,213$6,589$6,015$5,487$5,003$3,180
10 years$6,425$5,808$5,244$4,730$4,263$2,553
11 years$5,782$5,170$4,617$4,117$3,666$2,065
12 years$5,246$4,641$4,097$3,611$3,177$1,681
13 years$4,793$4,194$3,661$3,188$2,770$1,375
14 years$4,405$3,812$3,289$2,830$2,429$1,129
15 years$4,068$3,482$2,970$2,524$2,138$929
16 years$3,775$3,195$2,692$2,260$1,890$767
17 years$3,516$2,943$2,450$2,030$1,676$635
18 years$3,286$2,719$2,236$1,830$1,490$526
19 years$3,080$2,520$2,047$1,653$1,328$437
20 years$2,896$2,342$1,879$1,497$1,186$363
21 years$2,729$2,181$1,728$1,359$1,062$302
22 years$2,577$2,036$1,593$1,236$951$251
23 years$2,439$1,904$1,471$1,125$854$209
24 years$2,313$1,784$1,360$1,026$768$174
25 years$2,197$1,674$1,260$937$691$145
26 years$2,090$1,574$1,168$857$622$121
27 years$1,991$1,481$1,085$784$561$101
28 years$1,899$1,396$1,009$719$506$84
29 years$1,814$1,317$939$659$457$70
30 years$1,734$1,243$874$605$413$59
31 years$1,660$1,175$815$556$373$49
32 years$1,591$1,112$760$511$338$41
33 years$1,526$1,053$710$469$306$34
34 years$1,465$998$663$432$277$29
35 years$1,407$947$620$398$251$24
36 years$1,353$899$580$366$227$20
37 years$1,302$853$543$337$206$17
38 years$1,254$811$509$311$187$14
39 years$1,208$771$476$287$169$12
40 years$1,165$734$447$265$154$10
41 years$1,124$699$419$244$139$8
42 years$1,085$665$393$225$126$7
43 years$1,048$634$369$208$115$6
44 years$1,012$604$346$192$104$5
45 years$979$576$325$177$95$4
46 years$947$550$305$164$86$3
47 years$916$525$287$151$78$3
48 years$887$501$269$140$71$2
49 years$859$478$253$129$64$2
50 years$832$457$238$119$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $852,000, adding $4,549 every year, while hoping to spend $29,061 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: 21/50/29 Blend
44$852,000$852,000$852,000$852,000
45$943,596$898,440$885,234$954,656
46$1,008,922$911,543$883,969$978,248
47$1,079,938$924,314$881,687$1,000,751
48$1,157,192$936,706$878,324$1,024,177
49$1,241,290$948,669$873,813$1,048,619
50$1,332,897$960,149$868,081$1,074,182
51$1,432,745$971,089$861,054$1,100,982
52$1,541,640$981,428$852,655$1,129,151
53$1,660,470$991,100$842,801$1,158,835
54$1,790,210$1,000,036$831,406$1,190,199
55$1,931,935$1,008,161$818,382$1,223,424
56$2,086,828$1,015,397$803,634$1,258,717
57$2,256,193$1,021,659$787,064$1,296,303
58$2,441,462$1,026,859$768,568$1,336,438
59$2,644,216$1,030,899$748,040$1,379,404
60$2,866,193$1,033,681$725,366$1,425,519
61$3,109,308$1,035,094$700,430$1,475,132
62$3,375,670$1,035,026$673,106$1,528,635
63$3,667,601$1,033,355$643,268$1,586,463
64$3,987,659$1,029,952$610,780$1,649,100
65$4,338,660$1,024,680$575,502$1,717,085
66$4,723,708$1,017,394$537,285$1,791,015
67$5,146,220$1,007,940$495,978$1,871,554
68$5,609,960$996,154$451,419$1,959,440
69$6,119,074$981,864$403,439$2,055,491
70$6,678,130$964,886$351,865$2,160,616
71$7,292,159$945,026$296,513$2,275,822
72$7,966,705$922,077$237,191$2,402,227
73$8,707,873$895,823$173,701$2,541,070
74$9,522,389$866,032$105,834$2,693,724
75$10,417,666$832,460$33,371$2,861,712
76$11,401,866$794,848$0$3,046,718
77$12,483,984$752,925$0$3,264,214
78$13,673,932$706,399$0$3,514,567
79$14,982,626$654,966$0$3,789,807
80$16,422,097$598,302$0$4,092,547
81$18,005,598$536,066$0$4,425,676
82$19,747,732$467,897$0$4,792,382
83$21,664,590$393,412$0$5,196,188
84$23,773,898$312,209$0$5,640,984
85$26,095,190$223,862$0$6,131,067
86$28,649,989$127,921$0$6,671,181
87$31,462,011$23,912$0$7,266,564
88$34,557,384$0$0$7,922,999
89$37,964,903$0$0$8,695,657
90$41,716,293$0$0$9,560,963
91$45,846,511$0$0$10,513,848
92$50,394,080$0$0$11,563,224
93$55,401,444$0$0$12,718,910
94$60,915,375$0$0$13,991,728
95$66,987,411$0$0$15,393,601
96$73,674,343$0$0$16,937,669
97$81,038,749$0$0$18,638,411
98$89,149,588$0$0$20,511,781
99$98,082,847$0$0$22,575,360
100$107,922,258$0$0$24,848,523