Can I retire at age 45 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$146,991$145,681$144,404$143,157$141,940$140,809
2 years$72,768$71,412$70,099$68,826$67,590$66,451
3 years$48,030$46,669$45,359$44,097$42,882$41,769
4 years$35,663$34,307$33,010$31,770$30,584$29,505
5 years$28,246$26,897$25,617$24,402$23,249$22,209
6 years$23,302$21,963$20,702$19,515$18,396$17,395
7 years$19,772$18,445$17,204$16,044$14,961$14,000
8 years$17,126$15,810$14,590$13,459$12,412$11,490
9 years$15,069$13,766$12,566$11,464$10,453$9,570
10 years$13,424$12,134$10,956$9,882$8,906$8,063
11 years$12,079$10,802$9,645$8,600$7,660$6,855
12 years$10,960$9,695$8,560$7,544$6,638$5,870
13 years$10,013$8,762$7,648$6,660$5,788$5,058
14 years$9,202$7,964$6,871$5,912$5,074$4,379
15 years$8,500$7,275$6,204$5,272$4,467$3,808
16 years$7,886$6,675$5,625$4,721$3,948$3,322
17 years$7,345$6,148$5,118$4,242$3,501$2,908
18 years$6,865$5,681$4,672$3,823$3,113$2,551
19 years$6,436$5,265$4,277$3,454$2,774$2,244
20 years$6,050$4,892$3,926$3,128$2,478$1,977
21 years$5,701$4,557$3,611$2,839$2,218$1,745
22 years$5,384$4,254$3,328$2,581$1,988$1,542
23 years$5,096$3,978$3,073$2,351$1,784$1,365
24 years$4,832$3,728$2,842$2,144$1,604$1,209
25 years$4,589$3,498$2,632$1,958$1,443$1,072
26 years$4,366$3,288$2,441$1,790$1,300$952
27 years$4,159$3,094$2,267$1,639$1,172$846
28 years$3,967$2,916$2,107$1,502$1,058$752
29 years$3,789$2,750$1,961$1,377$955$668
30 years$3,623$2,598$1,827$1,264$863$595
31 years$3,468$2,456$1,703$1,161$780$530
32 years$3,324$2,323$1,589$1,067$706$472
33 years$3,188$2,200$1,483$981$639$420
34 years$3,060$2,085$1,386$902$578$375
35 years$2,940$1,978$1,296$831$524$334
36 years$2,827$1,877$1,212$765$475$298
37 years$2,720$1,783$1,135$705$430$266
38 years$2,619$1,695$1,063$650$390$237
39 years$2,524$1,611$995$599$354$211
40 years$2,434$1,533$933$553$321$189
41 years$2,348$1,459$875$510$291$168
42 years$2,266$1,390$821$471$264$150
43 years$2,189$1,324$770$434$240$134
44 years$2,115$1,262$723$401$217$120
45 years$2,045$1,204$679$370$197$107
46 years$1,978$1,148$638$342$179$96
47 years$1,914$1,096$599$316$163$85
48 years$1,852$1,046$563$292$148$76
49 years$1,794$999$529$270$134$68
50 years$1,738$954$497$250$122$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,780,000, adding $6,045 every year, while hoping to spend $30,401 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: 51/30/19 Blend
44$1,780,000$1,780,000$1,780,000$1,780,000
45$1,967,795$1,873,455$1,845,865$2,057,524
46$2,136,164$1,932,908$1,875,355$2,179,471
47$2,320,688$1,994,255$1,904,815$2,308,342
48$2,522,981$2,057,558$1,934,209$2,447,806
49$2,744,825$2,122,877$1,963,505$2,598,874
50$2,988,178$2,190,280$1,992,664$2,762,663
51$3,255,200$2,259,831$2,021,646$2,940,398
52$3,548,269$2,331,601$2,050,409$3,133,429
53$3,870,003$2,405,660$2,078,908$3,343,242
54$4,223,288$2,482,082$2,107,096$3,571,473
55$4,611,302$2,560,943$2,134,923$3,819,922
56$5,037,547$2,642,321$2,162,335$4,090,571
57$5,505,879$2,726,297$2,189,275$4,385,602
58$6,020,548$2,812,955$2,215,685$4,707,418
59$6,586,235$2,902,381$2,241,502$5,058,665
60$7,208,097$2,994,664$2,266,658$5,442,257
61$7,891,816$3,089,895$2,291,084$5,861,401
62$8,643,652$3,188,171$2,314,706$6,319,633
63$9,470,501$3,289,588$2,337,446$6,820,842
64$10,379,963$3,394,249$2,359,222$7,369,317
65$11,380,409$3,502,257$2,379,946$7,969,778
66$12,481,065$3,613,721$2,399,527$8,627,425
67$13,692,092$3,728,753$2,417,870$9,347,987
68$15,024,690$3,847,466$2,434,873$10,137,775
69$16,491,197$3,969,980$2,450,430$11,003,738
70$18,105,208$4,096,419$2,464,429$11,953,536
71$19,881,704$4,226,908$2,476,752$12,995,604
72$21,837,190$4,361,578$2,487,275$14,139,235
73$23,989,853$4,500,565$2,495,868$15,394,668
74$26,359,734$4,644,009$2,502,396$16,773,184
75$28,968,915$4,792,053$2,506,714$18,287,211
76$31,841,727$4,944,847$2,508,672$19,950,440
77$35,004,983$5,102,544$2,508,112$21,777,959
78$38,488,226$5,265,303$2,504,869$23,786,390
79$42,324,010$5,433,289$2,498,767$25,994,045
80$46,548,210$5,606,670$2,489,626$28,421,105
81$51,200,353$5,785,623$2,477,255$31,089,804
82$56,323,997$5,970,327$2,461,451$34,024,638
83$61,967,142$6,160,970$2,442,007$37,252,603
84$68,182,677$6,357,744$2,418,701$40,803,441
85$75,028,886$6,560,849$2,391,303$44,709,926
86$82,569,993$6,770,492$2,359,572$49,008,172
87$90,876,770$6,986,883$2,323,255$53,737,971
88$100,027,204$7,210,244$2,282,088$58,943,172
89$110,107,233$7,440,801$2,235,793$64,672,090
90$121,211,560$7,678,789$2,184,080$70,977,966
91$133,444,540$7,924,450$2,126,648$77,919,469
92$146,921,169$8,178,034$2,063,177$85,561,244
93$161,768,171$8,439,801$1,993,336$93,974,530
94$178,125,191$8,710,017$1,916,779$103,237,826
95$196,146,111$8,988,959$1,833,142$113,437,633
96$216,000,508$9,276,912$1,742,046$124,669,272
97$237,875,250$9,574,170$1,643,094$137,037,782
98$261,976,259$9,881,039$1,535,872$150,658,911
99$288,530,461$10,197,833$1,419,947$165,660,208
100$317,787,919$10,524,877$1,294,866$182,182,229