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

Use the below retirement simulation to view the chances of a successful retirement.
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%17%
1 years$144,513$143,226$141,970$140,744$139,547$135,570
2 years$71,541$70,209$68,918$67,666$66,451$62,474
3 years$47,220$45,882$44,594$43,354$42,159$38,308
4 years$35,062$33,728$32,453$31,234$30,068$26,373
5 years$27,769$26,443$25,185$23,991$22,858$19,327
6 years$22,909$21,593$20,353$19,186$18,086$14,725
7 years$19,439$18,134$16,914$15,774$14,709$11,516
8 years$16,837$15,544$14,344$13,232$12,203$9,177
9 years$14,815$13,534$12,355$11,271$10,276$7,414
10 years$13,198$11,929$10,771$9,716$8,756$6,054
11 years$11,876$10,620$9,483$8,455$7,530$4,984
12 years$10,775$9,532$8,416$7,417$6,526$4,130
13 years$9,844$8,614$7,519$6,548$5,691$3,441
14 years$9,047$7,830$6,756$5,812$4,988$2,878
15 years$8,357$7,153$6,099$5,184$4,392$2,416
16 years$7,753$6,563$5,530$4,641$3,882$2,034
17 years$7,221$6,044$5,032$4,170$3,442$1,717
18 years$6,749$5,585$4,594$3,758$3,060$1,451
19 years$6,327$5,176$4,205$3,396$2,728$1,229
20 years$5,948$4,810$3,859$3,076$2,436$1,043
21 years$5,605$4,480$3,550$2,791$2,180$885
22 years$5,294$4,182$3,272$2,538$1,954$752
23 years$5,010$3,911$3,021$2,311$1,754$640
24 years$4,750$3,665$2,794$2,108$1,577$545
25 years$4,512$3,439$2,588$1,925$1,419$464
26 years$4,292$3,232$2,400$1,760$1,278$396
27 years$4,089$3,042$2,229$1,611$1,152$337
28 years$3,900$2,866$2,072$1,476$1,040$288
29 years$3,725$2,704$1,928$1,354$939$245
30 years$3,562$2,554$1,796$1,242$848$209
31 years$3,410$2,414$1,674$1,141$767$179
32 years$3,268$2,284$1,562$1,049$694$153
33 years$3,134$2,163$1,458$964$628$130
34 years$3,009$2,050$1,363$887$568$111
35 years$2,891$1,945$1,274$817$515$95
36 years$2,779$1,846$1,192$752$467$81
37 years$2,674$1,753$1,116$693$423$69
38 years$2,575$1,666$1,045$639$383$59
39 years$2,481$1,584$979$589$348$51
40 years$2,393$1,507$917$543$315$43
41 years$2,308$1,435$860$501$286$37
42 years$2,228$1,366$807$463$260$32
43 years$2,152$1,302$757$427$236$27
44 years$2,079$1,241$711$394$214$23
45 years$2,010$1,183$667$364$194$20
46 years$1,944$1,129$627$336$176$17
47 years$1,881$1,077$589$311$160$14
48 years$1,821$1,028$553$287$145$12
49 years$1,764$982$520$265$132$11
50 years$1,709$938$489$245$120$9

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 $4,548 every year, while hoping to spend $52,381 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: 24/50/26 Blend
44$1,750,000$1,750,000$1,750,000$1,750,000
45$1,933,191$1,840,441$1,813,316$1,963,587
46$2,074,644$1,874,890$1,818,329$2,023,900
47$2,228,769$1,909,271$1,821,755$2,083,718
48$2,396,804$1,943,526$1,823,484$2,146,695
49$2,580,110$1,977,591$1,823,404$2,213,130
50$2,780,188$2,011,399$1,821,393$2,283,349
51$2,998,685$2,044,876$1,817,328$2,357,718
52$3,237,419$2,077,943$1,811,077$2,436,641
53$3,498,390$2,110,516$1,802,502$2,520,565
54$3,783,798$2,142,504$1,791,458$2,609,985
55$4,096,068$2,173,809$1,777,794$2,705,452
56$4,437,868$2,204,327$1,761,352$2,807,574
57$4,812,138$2,233,947$1,741,965$2,917,025
58$5,222,115$2,262,548$1,719,459$3,034,552
59$5,671,361$2,290,004$1,693,652$3,160,982
60$6,163,804$2,316,178$1,664,353$3,297,230
61$6,703,766$2,340,924$1,631,363$3,444,310
62$7,296,008$2,364,088$1,594,471$3,603,344
63$7,945,775$2,385,503$1,553,461$3,775,573
64$8,658,844$2,404,992$1,508,102$3,962,371
65$9,441,579$2,422,369$1,458,155$4,165,258
66$10,300,987$2,437,432$1,403,371$4,385,917
67$11,244,790$2,449,970$1,343,486$4,626,206
68$12,281,494$2,459,754$1,278,229$4,888,184
69$13,420,469$2,466,544$1,207,312$5,174,126
70$14,672,037$2,470,084$1,130,436$5,486,547
71$16,047,568$2,470,102$1,047,290$5,828,228
72$17,559,592$2,466,309$957,546$6,202,243
73$19,221,910$2,458,398$860,864$6,611,991
74$21,049,729$2,446,043$756,886$7,061,227
75$23,059,802$2,428,900$645,242$7,554,101
76$25,270,586$2,406,600$525,543$8,095,198
77$27,702,419$2,378,757$397,381$8,689,584
78$30,377,707$2,344,958$260,335$9,342,855
79$33,321,139$2,304,766$113,962$10,061,195
80$36,559,915$2,257,719$0$10,851,430
81$40,124,007$2,203,328$0$11,732,820
82$44,046,438$2,141,073$0$12,736,476
83$48,363,595$2,070,407$0$13,840,081
84$53,115,571$1,990,746$0$15,053,935
85$58,346,544$1,901,477$0$16,389,397
86$64,105,192$1,801,950$0$17,859,000
87$70,445,152$1,691,476$0$19,476,568
88$77,425,526$1,569,327$0$21,257,349
89$85,111,440$1,434,734$0$23,218,163
90$93,574,655$1,286,884$0$25,377,561
91$102,894,246$1,124,918$0$27,756,005
92$113,157,348$947,927$0$30,376,063
93$124,459,974$754,953$0$33,262,624
94$136,907,927$544,980$0$36,443,136
95$150,617,791$316,940$0$39,947,872
96$165,718,036$69,701$0$43,810,215
97$182,350,230$0$0$48,066,979
98$200,670,370$0$0$52,867,660
99$220,850,356$0$0$58,198,385
100$243,079,618$0$0$64,070,898