Can I retire at age 45 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$145,339$144,045$142,781$141,549$140,345$139,460
2 years$71,950$70,610$69,311$68,052$66,831$65,939
3 years$47,490$46,144$44,849$43,602$42,400$41,528
4 years$35,263$33,921$32,639$31,413$30,240$29,395
5 years$27,928$26,595$25,329$24,128$22,988$22,172
6 years$23,040$21,716$20,470$19,295$18,190$17,403
7 years$19,550$18,237$17,010$15,864$14,793$14,037
8 years$16,933$15,633$14,426$13,308$12,272$11,547
9 years$14,900$13,611$12,425$11,335$10,335$9,640
10 years$13,273$11,998$10,833$9,771$8,806$8,141
11 years$11,944$10,681$9,537$8,504$7,573$6,938
12 years$10,836$9,586$8,464$7,459$6,563$5,957
13 years$9,900$8,663$7,562$6,585$5,723$5,145
14 years$9,099$7,875$6,794$5,846$5,017$4,467
15 years$8,404$7,194$6,134$5,213$4,417$3,894
16 years$7,797$6,600$5,562$4,668$3,904$3,407
17 years$7,263$6,078$5,061$4,194$3,461$2,990
18 years$6,788$5,617$4,620$3,780$3,078$2,631
19 years$6,363$5,206$4,229$3,415$2,743$2,321
20 years$5,982$4,837$3,881$3,093$2,450$2,051
21 years$5,637$4,506$3,570$2,807$2,193$1,815
22 years$5,324$4,206$3,290$2,552$1,966$1,609
23 years$5,039$3,934$3,038$2,325$1,764$1,429
24 years$4,777$3,686$2,810$2,120$1,586$1,270
25 years$4,538$3,459$2,602$1,936$1,427$1,129
26 years$4,316$3,251$2,414$1,770$1,285$1,006
27 years$4,112$3,059$2,241$1,620$1,159$896
28 years$3,923$2,883$2,084$1,485$1,046$799
29 years$3,747$2,720$1,939$1,361$944$713
30 years$3,583$2,568$1,806$1,250$853$637
31 years$3,429$2,428$1,684$1,148$771$569
32 years$3,286$2,297$1,571$1,055$698$508
33 years$3,152$2,176$1,467$970$631$454
34 years$3,026$2,062$1,370$892$572$406
35 years$2,907$1,956$1,281$821$518$363
36 years$2,795$1,856$1,199$757$469$325
37 years$2,690$1,763$1,122$697$425$291
38 years$2,590$1,676$1,051$642$386$260
39 years$2,496$1,593$984$592$350$233
40 years$2,406$1,516$923$546$317$209
41 years$2,321$1,443$865$504$288$187
42 years$2,241$1,374$811$465$261$168
43 years$2,164$1,309$761$429$237$150
44 years$2,091$1,248$715$397$215$134
45 years$2,022$1,190$671$366$195$121
46 years$1,955$1,135$630$338$177$108
47 years$1,892$1,083$592$313$161$97
48 years$1,832$1,034$557$289$146$87
49 years$1,774$988$523$267$133$78
50 years$1,718$944$492$247$121$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,760,000, adding $2,767 every year, while hoping to spend $26,662 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: 59/27/14 Blend
44$1,760,000$1,760,000$1,760,000$1,760,000
45$1,942,374$1,849,094$1,821,814$2,049,987
46$2,112,128$1,911,332$1,854,477$2,185,150
47$2,298,303$1,975,725$1,887,340$2,329,260
48$2,502,547$2,042,352$1,920,382$2,485,779
49$2,726,672$2,111,293$1,953,581$2,655,905
50$2,972,678$2,182,631$1,986,911$2,840,957
51$3,242,765$2,256,454$2,020,346$3,042,387
52$3,539,356$2,332,850$2,053,857$3,261,793
53$3,865,124$2,411,913$2,087,415$3,500,933
54$4,223,010$2,493,740$2,120,987$3,761,744
55$4,616,255$2,578,431$2,154,538$4,046,355
56$5,048,430$2,666,091$2,188,031$4,357,113
57$5,523,468$2,756,828$2,221,429$4,696,600
58$6,045,703$2,850,754$2,254,688$5,067,659
59$6,619,909$2,947,985$2,287,764$5,473,423
60$7,251,348$3,048,644$2,320,612$5,917,338
61$7,945,813$3,152,856$2,353,180$6,403,202
62$8,709,691$3,260,750$2,385,417$6,935,194
63$9,550,017$3,372,465$2,417,266$7,517,921
64$10,474,542$3,488,139$2,448,668$8,156,453
65$11,491,807$3,607,919$2,479,560$8,856,375
66$12,611,222$3,731,958$2,509,876$9,623,840
67$13,843,156$3,860,413$2,539,546$10,465,624
68$15,199,033$3,993,449$2,568,496$11,389,191
69$16,691,442$4,131,235$2,596,648$12,402,762
70$18,334,252$4,273,949$2,623,919$13,515,394
71$20,142,749$4,421,775$2,650,223$14,737,063
72$22,133,771$4,574,905$2,675,468$16,078,762
73$24,325,877$4,733,536$2,699,557$17,552,596
74$26,739,513$4,897,876$2,722,389$19,171,904
75$29,397,210$5,068,138$2,743,855$20,951,382
76$32,323,796$5,244,547$2,763,845$22,907,217
77$35,546,628$5,427,335$2,782,238$25,057,247
78$39,095,851$5,616,742$2,798,911$27,421,122
79$43,004,684$5,813,018$2,813,731$30,020,491
80$47,309,732$6,016,426$2,826,561$32,879,209
81$52,051,330$6,227,236$2,837,255$36,023,556
82$57,273,924$6,445,730$2,845,662$39,482,490
83$63,026,494$6,672,200$2,851,622$43,287,914
84$69,363,011$6,906,952$2,854,966$47,474,984
85$76,342,949$7,150,304$2,855,518$52,082,431
86$84,031,846$7,402,584$2,853,093$57,152,934
87$92,501,920$7,664,137$2,847,498$62,733,518
88$101,832,754$7,935,318$2,838,528$68,875,998
89$112,112,047$8,216,500$2,825,970$75,637,467
90$123,436,436$8,508,069$2,809,600$83,080,836
91$135,912,415$8,810,428$2,789,185$91,275,424
92$149,657,337$9,123,993$2,764,477$100,297,615
93$164,800,518$9,449,202$2,735,220$110,231,575
94$181,484,466$9,786,508$2,701,145$121,170,049
95$199,866,216$10,136,381$2,661,968$133,215,230
96$220,118,820$10,499,314$2,617,394$146,479,732
97$242,432,977$10,875,818$2,567,114$161,087,641
98$267,018,832$11,266,424$2,510,804$177,175,696
99$294,107,961$11,671,688$2,448,124$194,894,570
100$323,955,558$12,092,185$2,378,721$214,410,297