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%19.1%
1 years$144,513$143,226$141,970$140,744$139,547$134,436
2 years$71,541$70,209$68,918$67,666$66,451$61,358
3 years$47,220$45,882$44,594$43,354$42,159$37,245
4 years$35,062$33,728$32,453$31,234$30,068$25,371
5 years$27,769$26,443$25,185$23,991$22,858$18,388
6 years$22,909$21,593$20,353$19,186$18,086$13,849
7 years$19,439$18,134$16,914$15,774$14,709$10,702
8 years$16,837$15,544$14,344$13,232$12,203$8,423
9 years$14,815$13,534$12,355$11,271$10,276$6,719
10 years$13,198$11,929$10,771$9,716$8,756$5,414
11 years$11,876$10,620$9,483$8,455$7,530$4,397
12 years$10,775$9,532$8,416$7,417$6,526$3,593
13 years$9,844$8,614$7,519$6,548$5,691$2,951
14 years$9,047$7,830$6,756$5,812$4,988$2,433
15 years$8,357$7,153$6,099$5,184$4,392$2,012
16 years$7,753$6,563$5,530$4,641$3,882$1,668
17 years$7,221$6,044$5,032$4,170$3,442$1,386
18 years$6,749$5,585$4,594$3,758$3,060$1,154
19 years$6,327$5,176$4,205$3,396$2,728$962
20 years$5,948$4,810$3,859$3,076$2,436$803
21 years$5,605$4,480$3,550$2,791$2,180$671
22 years$5,294$4,182$3,272$2,538$1,954$561
23 years$5,010$3,911$3,021$2,311$1,754$469
24 years$4,750$3,665$2,794$2,108$1,577$393
25 years$4,512$3,439$2,588$1,925$1,419$329
26 years$4,292$3,232$2,400$1,760$1,278$276
27 years$4,089$3,042$2,229$1,611$1,152$231
28 years$3,900$2,866$2,072$1,476$1,040$194
29 years$3,725$2,704$1,928$1,354$939$162
30 years$3,562$2,554$1,796$1,242$848$136
31 years$3,410$2,414$1,674$1,141$767$114
32 years$3,268$2,284$1,562$1,049$694$96
33 years$3,134$2,163$1,458$964$628$81
34 years$3,009$2,050$1,363$887$568$68
35 years$2,891$1,945$1,274$817$515$57
36 years$2,779$1,846$1,192$752$467$48
37 years$2,674$1,753$1,116$693$423$40
38 years$2,575$1,666$1,045$639$383$34
39 years$2,481$1,584$979$589$348$28
40 years$2,393$1,507$917$543$315$24
41 years$2,308$1,435$860$501$286$20
42 years$2,228$1,366$807$463$260$17
43 years$2,152$1,302$757$427$236$14
44 years$2,079$1,241$711$394$214$12
45 years$2,010$1,183$667$364$194$10
46 years$1,944$1,129$627$336$176$8
47 years$1,881$1,077$589$311$160$7
48 years$1,821$1,028$553$287$145$6
49 years$1,764$982$520$265$132$5
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 $3,356 every year, while hoping to spend $30,604 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: 74/16/10 Blend
44$1,750,000$1,750,000$1,750,000$1,750,000
45$1,931,962$1,839,212$1,812,087$2,071,149
46$2,096,459$1,896,771$1,840,229$2,220,985
47$2,276,710$1,956,124$1,868,289$2,380,926
48$2,474,288$2,017,328$1,896,230$2,555,299
49$2,690,928$2,080,440$1,924,016$2,745,524
50$2,928,540$2,145,518$1,951,608$2,953,163
51$3,189,226$2,212,624$1,978,962$3,179,938
52$3,475,305$2,281,820$2,006,035$3,427,746
53$3,789,329$2,353,172$2,032,780$3,698,672
54$4,134,108$2,426,745$2,059,146$3,995,017
55$4,512,740$2,502,609$2,085,080$4,319,311
56$4,928,637$2,580,834$2,110,528$4,674,344
57$5,385,557$2,661,494$2,135,429$5,063,185
58$5,887,640$2,744,663$2,159,722$5,489,218
59$6,439,447$2,830,419$2,183,340$5,956,169
60$7,046,003$2,918,842$2,206,215$6,468,142
61$7,712,844$3,010,015$2,228,272$7,029,657
62$8,446,070$3,104,021$2,249,436$7,645,695
63$9,252,401$3,200,950$2,269,623$8,321,742
64$10,139,239$3,300,890$2,288,749$9,063,842
65$11,114,742$3,403,934$2,306,722$9,878,653
66$12,187,898$3,510,179$2,323,449$10,773,511
67$13,368,608$3,619,722$2,338,829$11,756,497
68$14,667,783$3,732,665$2,352,757$12,836,515
69$16,097,445$3,849,114$2,365,123$14,023,374
70$17,670,839$3,969,175$2,375,809$15,327,882
71$19,402,559$4,092,960$2,384,694$16,761,948
72$21,308,689$4,220,583$2,391,649$18,338,690
73$23,406,946$4,352,163$2,396,541$20,072,566
74$25,716,856$4,487,820$2,399,226$21,979,503
75$28,259,932$4,627,680$2,399,557$24,077,050
76$31,059,880$4,771,872$2,397,377$26,384,547
77$34,142,823$4,920,528$2,392,524$28,923,299
78$37,537,542$5,073,786$2,384,826$31,716,785
79$41,275,756$5,231,786$2,374,102$34,790,874
80$45,392,414$5,394,674$2,360,165$38,174,072
81$49,926,026$5,562,599$2,342,816$41,897,789
82$54,919,030$5,735,715$2,321,850$45,996,636
83$60,418,187$5,914,182$2,297,048$50,508,751
84$66,475,027$6,098,162$2,268,184$55,476,159
85$73,146,332$6,287,823$2,235,020$60,945,168
86$80,494,671$6,483,340$2,197,307$66,966,808
87$88,588,995$6,684,891$2,154,784$73,597,308
88$97,505,282$6,892,660$2,107,178$80,898,630
89$107,327,256$7,106,836$2,054,204$88,939,053
90$118,147,179$7,327,614$1,995,563$97,793,816
91$130,066,720$7,555,195$1,930,943$107,545,830
92$143,197,912$7,789,787$1,860,016$118,286,457
93$157,664,214$8,031,601$1,782,442$130,116,377
94$173,601,673$8,280,859$1,697,863$143,146,531
95$191,160,207$8,537,784$1,605,905$157,499,177
96$210,505,024$8,802,611$1,506,178$173,309,036
97$231,818,175$9,075,578$1,398,274$190,724,568
98$255,300,280$9,356,933$1,281,767$209,909,368
99$281,172,414$9,646,928$1,156,212$231,043,719
100$309,678,198$9,945,825$1,021,143$254,326,283