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%17.1%
1 years$146,991$145,681$144,404$143,157$141,940$137,838
2 years$72,768$71,412$70,099$68,826$67,590$63,491
3 years$48,030$46,669$45,359$44,097$42,882$38,913
4 years$35,663$34,307$33,010$31,770$30,584$26,775
5 years$28,246$26,897$25,617$24,402$23,249$19,612
6 years$23,302$21,963$20,702$19,515$18,396$14,934
7 years$19,772$18,445$17,204$16,044$14,961$11,673
8 years$17,126$15,810$14,590$13,459$12,412$9,296
9 years$15,069$13,766$12,566$11,464$10,453$7,506
10 years$13,424$12,134$10,956$9,882$8,906$6,125
11 years$12,079$10,802$9,645$8,600$7,660$5,040
12 years$10,960$9,695$8,560$7,544$6,638$4,173
13 years$10,013$8,762$7,648$6,660$5,788$3,474
14 years$9,202$7,964$6,871$5,912$5,074$2,904
15 years$8,500$7,275$6,204$5,272$4,467$2,436
16 years$7,886$6,675$5,625$4,721$3,948$2,050
17 years$7,345$6,148$5,118$4,242$3,501$1,728
18 years$6,865$5,681$4,672$3,823$3,113$1,460
19 years$6,436$5,265$4,277$3,454$2,774$1,236
20 years$6,050$4,892$3,926$3,128$2,478$1,047
21 years$5,701$4,557$3,611$2,839$2,218$889
22 years$5,384$4,254$3,328$2,581$1,988$755
23 years$5,096$3,978$3,073$2,351$1,784$642
24 years$4,832$3,728$2,842$2,144$1,604$546
25 years$4,589$3,498$2,632$1,958$1,443$464
26 years$4,366$3,288$2,441$1,790$1,300$395
27 years$4,159$3,094$2,267$1,639$1,172$337
28 years$3,967$2,916$2,107$1,502$1,058$287
29 years$3,789$2,750$1,961$1,377$955$245
30 years$3,623$2,598$1,827$1,264$863$209
31 years$3,468$2,456$1,703$1,161$780$178
32 years$3,324$2,323$1,589$1,067$706$152
33 years$3,188$2,200$1,483$981$639$130
34 years$3,060$2,085$1,386$902$578$111
35 years$2,940$1,978$1,296$831$524$94
36 years$2,827$1,877$1,212$765$475$81
37 years$2,720$1,783$1,135$705$430$69
38 years$2,619$1,695$1,063$650$390$59
39 years$2,524$1,611$995$599$354$50
40 years$2,434$1,533$933$553$321$43
41 years$2,348$1,459$875$510$291$36
42 years$2,266$1,390$821$471$264$31
43 years$2,189$1,324$770$434$240$27
44 years$2,115$1,262$723$401$217$23
45 years$2,045$1,204$679$370$197$19
46 years$1,978$1,148$638$342$179$17
47 years$1,914$1,096$599$316$163$14
48 years$1,852$1,046$563$292$148$12
49 years$1,794$999$529$270$134$10
50 years$1,738$954$497$250$122$9

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 $3,968 every year, while hoping to spend $27,502 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: 66/5/29 Blend
44$1,780,000$1,780,000$1,780,000$1,780,000
45$1,965,653$1,871,313$1,843,723$2,080,075
46$2,136,888$1,933,745$1,876,226$2,220,285
47$2,324,667$1,998,315$1,908,896$2,370,112
48$2,530,648$2,065,098$1,941,709$2,533,339
49$2,756,659$2,134,173$1,974,641$2,711,293
50$3,004,711$2,205,621$2,007,665$2,905,432
51$3,277,022$2,279,526$2,040,751$3,117,364
52$3,576,031$2,355,976$2,073,870$3,348,861
53$3,904,429$2,435,062$2,106,988$3,601,874
54$4,265,179$2,516,877$2,140,070$3,878,552
55$4,661,544$2,601,521$2,173,078$4,181,263
56$5,097,119$2,689,093$2,205,974$4,512,615
57$5,575,866$2,779,700$2,238,716$4,875,483
58$6,102,149$2,873,450$2,271,257$5,273,032
59$6,680,776$2,970,456$2,303,551$5,708,752
60$7,317,043$3,070,836$2,335,548$6,186,486
61$8,016,786$3,174,712$2,367,194$6,710,469
62$8,786,435$3,282,210$2,398,432$7,285,368
63$9,633,074$3,393,461$2,429,202$7,916,324
64$10,564,509$3,508,602$2,459,442$8,609,002
65$11,589,340$3,627,774$2,489,084$9,369,644
66$12,717,042$3,751,124$2,518,057$10,205,129
67$13,958,055$3,878,804$2,546,287$11,123,037
68$15,323,883$4,010,973$2,573,695$12,131,719
69$16,827,203$4,147,794$2,600,197$13,240,378
70$18,481,980$4,289,438$2,625,706$14,459,154
71$20,303,604$4,436,082$2,650,129$15,799,223
72$22,309,032$4,587,911$2,673,369$17,272,899
73$24,516,949$4,745,115$2,695,323$18,893,751
74$26,947,945$4,907,892$2,715,883$20,676,732
75$29,624,705$5,076,448$2,734,935$22,638,318
76$32,572,229$5,250,998$2,752,359$24,796,669
77$35,818,063$5,431,764$2,768,030$27,171,793
78$39,392,562$5,618,977$2,781,815$29,785,740
79$43,329,173$5,812,876$2,793,575$32,662,808
80$47,664,753$6,013,712$2,803,165$35,829,774
81$52,439,916$6,221,742$2,810,429$39,316,145
82$57,699,417$6,437,237$2,815,208$43,154,437
83$63,492,571$6,660,475$2,817,331$47,380,483
84$69,873,724$6,891,749$2,816,622$52,033,771
85$76,902,759$7,131,360$2,812,894$57,157,817
86$84,645,665$7,379,622$2,805,951$62,800,574
87$93,175,162$7,636,861$2,795,589$69,014,887
88$102,571,379$7,903,418$2,781,592$75,858,991
89$112,922,620$8,179,646$2,763,735$83,397,061
90$124,326,189$8,465,911$2,741,783$91,699,818
91$136,889,314$8,762,594$2,715,487$100,845,197
92$150,730,157$9,070,094$2,684,588$110,919,082
93$165,978,927$9,388,823$2,648,815$122,016,118
94$182,779,112$9,719,209$2,607,885$134,240,605
95$201,288,831$10,061,700$2,561,499$147,707,479
96$221,682,328$10,416,760$2,509,345$162,543,404
97$244,151,616$10,784,871$2,451,099$178,887,962
98$268,908,288$11,166,538$2,386,419$196,894,974
99$296,185,518$11,562,282$2,314,947$216,733,952
100$326,240,255$11,972,648$2,236,312$238,591,698