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%19.4%
1 years$144,513$143,226$141,970$140,744$139,547$134,276
2 years$71,541$70,209$68,918$67,666$66,451$61,201
3 years$47,220$45,882$44,594$43,354$42,159$37,097
4 years$35,062$33,728$32,453$31,234$30,068$25,231
5 years$27,769$26,443$25,185$23,991$22,858$18,258
6 years$22,909$21,593$20,353$19,186$18,086$13,728
7 years$19,439$18,134$16,914$15,774$14,709$10,591
8 years$16,837$15,544$14,344$13,232$12,203$8,320
9 years$14,815$13,534$12,355$11,271$10,276$6,625
10 years$13,198$11,929$10,771$9,716$8,756$5,328
11 years$11,876$10,620$9,483$8,455$7,530$4,319
12 years$10,775$9,532$8,416$7,417$6,526$3,522
13 years$9,844$8,614$7,519$6,548$5,691$2,887
14 years$9,047$7,830$6,756$5,812$4,988$2,375
15 years$8,357$7,153$6,099$5,184$4,392$1,960
16 years$7,753$6,563$5,530$4,641$3,882$1,622
17 years$7,221$6,044$5,032$4,170$3,442$1,345
18 years$6,749$5,585$4,594$3,758$3,060$1,117
19 years$6,327$5,176$4,205$3,396$2,728$929
20 years$5,948$4,810$3,859$3,076$2,436$773
21 years$5,605$4,480$3,550$2,791$2,180$645
22 years$5,294$4,182$3,272$2,538$1,954$538
23 years$5,010$3,911$3,021$2,311$1,754$449
24 years$4,750$3,665$2,794$2,108$1,577$375
25 years$4,512$3,439$2,588$1,925$1,419$313
26 years$4,292$3,232$2,400$1,760$1,278$262
27 years$4,089$3,042$2,229$1,611$1,152$219
28 years$3,900$2,866$2,072$1,476$1,040$183
29 years$3,725$2,704$1,928$1,354$939$153
30 years$3,562$2,554$1,796$1,242$848$128
31 years$3,410$2,414$1,674$1,141$767$107
32 years$3,268$2,284$1,562$1,049$694$90
33 years$3,134$2,163$1,458$964$628$75
34 years$3,009$2,050$1,363$887$568$63
35 years$2,891$1,945$1,274$817$515$53
36 years$2,779$1,846$1,192$752$467$44
37 years$2,674$1,753$1,116$693$423$37
38 years$2,575$1,666$1,045$639$383$31
39 years$2,481$1,584$979$589$348$26
40 years$2,393$1,507$917$543$315$22
41 years$2,308$1,435$860$501$286$18
42 years$2,228$1,366$807$463$260$15
43 years$2,152$1,302$757$427$236$13
44 years$2,079$1,241$711$394$214$11
45 years$2,010$1,183$667$364$194$9
46 years$1,944$1,129$627$336$176$7
47 years$1,881$1,077$589$311$160$6
48 years$1,821$1,028$553$287$145$5
49 years$1,764$982$520$265$132$4
50 years$1,709$938$489$245$120$4

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 $4,527 every year, while hoping to spend $25,918 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: 34/49/17 Blend
44$1,750,000$1,750,000$1,750,000$1,750,000
45$1,933,170$1,840,420$1,813,295$1,988,600
46$2,102,776$1,903,024$1,846,463$2,092,231
47$2,288,814$1,967,827$1,879,875$2,201,172
48$2,492,932$2,034,909$1,913,509$2,318,098
49$2,716,946$2,104,354$1,947,346$2,443,732
50$2,962,855$2,176,248$1,981,364$2,578,862
51$3,232,864$2,250,682$2,015,537$2,724,356
52$3,529,400$2,327,749$2,049,841$2,881,167
53$3,855,136$2,407,546$2,084,248$3,050,343
54$4,213,017$2,490,173$2,118,728$3,233,033
55$4,606,290$2,575,736$2,153,250$3,430,501
56$5,038,527$2,664,344$2,187,780$3,644,138
57$5,513,669$2,756,108$2,222,282$3,875,470
58$6,036,053$2,851,147$2,256,718$4,126,177
59$6,610,460$2,949,583$2,291,048$4,398,105
60$7,242,156$3,051,542$2,325,227$4,693,286
61$7,936,944$3,157,156$2,359,211$5,013,953
62$8,701,218$3,266,562$2,392,950$5,362,563
63$9,542,021$3,379,902$2,426,392$5,741,821
64$10,467,114$3,497,324$2,459,483$6,154,699
65$11,485,048$3,618,981$2,492,164$6,604,472
66$12,605,246$3,745,034$2,524,374$7,094,740
67$13,838,088$3,875,648$2,556,049$7,629,467
68$15,195,015$4,010,997$2,587,118$8,213,017
69$16,688,629$4,151,258$2,617,509$8,850,190
70$18,332,819$4,296,620$2,647,146$9,546,274
71$20,142,888$4,447,276$2,675,946$10,307,087
72$22,135,698$4,603,428$2,703,826$11,139,037
73$24,329,829$4,765,286$2,730,694$12,049,176
74$26,745,754$4,933,067$2,756,455$13,045,272
75$29,406,034$5,107,001$2,781,009$14,135,876
76$32,335,527$5,287,321$2,804,250$15,330,406
77$35,561,626$5,474,275$2,826,068$16,639,232
78$39,114,515$5,668,117$2,846,344$18,073,774
79$43,027,455$5,869,114$2,864,956$19,646,610
80$47,337,097$6,077,543$2,881,774$21,371,592
81$52,083,830$6,293,692$2,896,662$23,263,976
82$57,312,157$6,517,859$2,909,477$25,340,567
83$63,071,121$6,750,358$2,920,068$27,619,874
84$69,414,763$6,991,512$2,928,278$30,122,284
85$76,402,633$7,241,661$2,933,939$32,870,254
86$84,100,354$7,501,155$2,936,879$35,888,523
87$92,580,239$7,770,360$2,936,913$39,204,340
88$101,921,974$8,049,659$2,933,851$42,847,725
89$112,213,371$8,339,448$2,927,490$46,851,748
90$123,551,194$8,640,140$2,917,620$51,252,841
91$136,042,074$8,952,165$2,904,019$56,091,137
92$149,803,518$9,275,973$2,886,456$61,410,855
93$164,965,010$9,612,030$2,864,686$67,260,708
94$181,669,244$9,960,822$2,838,455$73,694,364
95$200,073,460$10,322,855$2,807,497$80,770,953
96$220,350,935$10,698,657$2,771,530$88,555,620
97$242,692,617$11,088,779$2,730,264$97,120,142
98$267,308,927$11,493,791$2,683,390$106,543,597
99$294,431,742$11,914,292$2,630,588$116,913,119
100$324,316,590$12,350,902$2,571,523$128,324,708