Can I retire at age 45 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$144,513$143,226$141,970$140,744$139,547$137,010
2 years$71,541$70,209$68,918$67,666$66,451$63,904
3 years$47,220$45,882$44,594$43,354$42,159$39,682
4 years$35,062$33,728$32,453$31,234$30,068$27,679
5 years$27,769$26,443$25,185$23,991$22,858$20,564
6 years$22,909$21,593$20,353$19,186$18,086$15,890
7 years$19,439$18,134$16,914$15,774$14,709$12,612
8 years$16,837$15,544$14,344$13,232$12,203$10,203
9 years$14,815$13,534$12,355$11,271$10,276$8,374
10 years$13,198$11,929$10,771$9,716$8,756$6,949
11 years$11,876$10,620$9,483$8,455$7,530$5,816
12 years$10,775$9,532$8,416$7,417$6,526$4,902
13 years$9,844$8,614$7,519$6,548$5,691$4,155
14 years$9,047$7,830$6,756$5,812$4,988$3,538
15 years$8,357$7,153$6,099$5,184$4,392$3,025
16 years$7,753$6,563$5,530$4,641$3,882$2,594
17 years$7,221$6,044$5,032$4,170$3,442$2,230
18 years$6,749$5,585$4,594$3,758$3,060$1,922
19 years$6,327$5,176$4,205$3,396$2,728$1,660
20 years$5,948$4,810$3,859$3,076$2,436$1,436
21 years$5,605$4,480$3,550$2,791$2,180$1,244
22 years$5,294$4,182$3,272$2,538$1,954$1,079
23 years$5,010$3,911$3,021$2,311$1,754$936
24 years$4,750$3,665$2,794$2,108$1,577$814
25 years$4,512$3,439$2,588$1,925$1,419$708
26 years$4,292$3,232$2,400$1,760$1,278$616
27 years$4,089$3,042$2,229$1,611$1,152$536
28 years$3,900$2,866$2,072$1,476$1,040$467
29 years$3,725$2,704$1,928$1,354$939$407
30 years$3,562$2,554$1,796$1,242$848$355
31 years$3,410$2,414$1,674$1,141$767$310
32 years$3,268$2,284$1,562$1,049$694$270
33 years$3,134$2,163$1,458$964$628$236
34 years$3,009$2,050$1,363$887$568$206
35 years$2,891$1,945$1,274$817$515$180
36 years$2,779$1,846$1,192$752$467$157
37 years$2,674$1,753$1,116$693$423$137
38 years$2,575$1,666$1,045$639$383$120
39 years$2,481$1,584$979$589$348$104
40 years$2,393$1,507$917$543$315$91
41 years$2,308$1,435$860$501$286$80
42 years$2,228$1,366$807$463$260$70
43 years$2,152$1,302$757$427$236$61
44 years$2,079$1,241$711$394$214$53
45 years$2,010$1,183$667$364$194$46
46 years$1,944$1,129$627$336$176$41
47 years$1,881$1,077$589$311$160$35
48 years$1,821$1,028$553$287$145$31
49 years$1,764$982$520$265$132$27
50 years$1,709$938$489$245$120$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,750,000, adding $2,406 every year, while hoping to spend $52,506 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: 41/43/16 Blend
44$1,750,000$1,750,000$1,750,000$1,750,000
45$1,930,982$1,838,232$1,811,107$2,000,943
46$2,072,076$1,872,439$1,815,913$2,084,899
47$2,225,802$1,906,563$1,819,120$2,170,398
48$2,393,393$1,940,544$1,820,620$2,261,818
49$2,576,205$1,974,317$1,820,297$2,359,725
50$2,775,734$2,007,814$1,818,032$2,464,743
51$2,993,622$2,040,960$1,813,700$2,577,560
52$3,231,679$2,073,675$1,807,167$2,698,935
53$3,491,899$2,105,873$1,798,295$2,829,709
54$3,776,474$2,137,463$1,786,940$2,970,807
55$4,087,821$2,168,345$1,772,949$3,123,250
56$4,428,599$2,198,414$1,756,163$3,288,167
57$4,801,737$2,227,557$1,736,415$3,466,802
58$5,210,460$2,255,653$1,713,530$3,660,528
59$5,658,319$2,282,572$1,687,326$3,870,864
60$6,149,225$2,308,176$1,657,609$4,099,480
61$6,687,488$2,332,319$1,624,181$4,348,226
62$7,277,852$2,354,842$1,586,831$4,619,139
63$7,925,542$2,375,578$1,545,339$4,914,468
64$8,636,315$2,394,349$1,499,475$5,236,696
65$9,416,511$2,410,965$1,449,000$5,588,562
66$10,273,115$2,425,222$1,393,662$5,973,090
67$11,213,821$2,436,906$1,333,197$6,393,614
68$12,247,103$2,445,787$1,267,332$6,853,816
69$13,382,298$2,451,621$1,195,778$7,357,758
70$14,629,692$2,454,150$1,118,236$7,909,919
71$16,000,616$2,453,098$1,034,392$8,515,244
72$17,507,553$2,448,174$943,918$9,179,187
73$19,164,256$2,439,067$846,472$9,907,766
74$20,985,877$2,425,449$741,696$10,707,619
75$22,989,110$2,406,969$629,216$11,586,071
76$25,192,346$2,383,258$508,642$12,551,199
77$27,615,851$2,353,923$379,567$13,611,915
78$30,281,950$2,318,548$241,565$14,778,050
79$33,215,245$2,276,692$94,193$16,060,445
80$36,442,838$2,227,888$0$17,471,061
81$39,994,594$2,171,641$0$19,033,856
82$43,903,418$2,107,428$0$20,770,471
83$48,205,569$2,034,693$0$22,680,938
84$52,940,994$1,952,850$0$24,783,043
85$58,153,714$1,861,279$0$27,096,393
86$63,892,234$1,759,322$0$29,642,609
87$70,209,997$1,646,284$0$32,445,522
88$77,165,896$1,521,432$0$35,531,409
89$84,824,823$1,383,988$0$38,929,240
90$93,258,283$1,233,131$0$42,670,950
91$102,545,067$1,067,994$0$46,791,748
92$112,771,999$887,660$0$51,330,447
93$124,034,748$691,161$0$56,329,836
94$136,438,738$477,473$0$61,837,085
95$150,100,137$245,517$0$67,904,192
96$165,146,955$0$0$74,588,481
97$181,720,252$0$0$81,955,908
98$199,975,466$0$0$90,199,287
99$220,083,885$0$0$99,279,833
100$242,234,256$0$0$109,282,822