Can I retire at age 45 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$148,642$147,318$146,027$144,766$143,535$140,867
2 years$73,585$72,215$70,887$69,599$68,350$65,672
3 years$48,570$47,193$45,868$44,593$43,364$40,760
4 years$36,064$34,692$33,380$32,127$30,928$28,417
5 years$28,563$27,199$25,905$24,676$23,511$21,101
6 years$23,564$22,210$20,935$19,734$18,603$16,297
7 years$19,994$18,652$17,397$16,224$15,129$12,927
8 years$17,318$15,988$14,754$13,610$12,551$10,452
9 years$15,238$13,921$12,708$11,593$10,570$8,573
10 years$13,575$12,270$11,079$9,993$9,006$7,109
11 years$12,215$10,924$9,754$8,697$7,746$5,947
12 years$11,083$9,804$8,656$7,628$6,712$5,009
13 years$10,125$8,860$7,734$6,735$5,853$4,243
14 years$9,305$8,054$6,949$5,978$5,131$3,611
15 years$8,595$7,357$6,274$5,332$4,518$3,084
16 years$7,975$6,750$5,688$4,774$3,993$2,643
17 years$7,428$6,217$5,176$4,289$3,540$2,271
18 years$6,942$5,744$4,725$3,866$3,148$1,956
19 years$6,508$5,324$4,325$3,493$2,806$1,688
20 years$6,118$4,947$3,970$3,163$2,506$1,459
21 years$5,765$4,608$3,651$2,871$2,243$1,263
22 years$5,445$4,302$3,365$2,610$2,010$1,094
23 years$5,153$4,023$3,107$2,377$1,804$949
24 years$4,886$3,769$2,874$2,168$1,622$824
25 years$4,641$3,537$2,662$1,980$1,459$716
26 years$4,415$3,325$2,468$1,811$1,315$623
27 years$4,206$3,129$2,292$1,657$1,185$542
28 years$4,012$2,948$2,131$1,518$1,069$472
29 years$3,832$2,781$1,983$1,392$966$411
30 years$3,664$2,627$1,847$1,278$873$358
31 years$3,507$2,483$1,722$1,174$789$312
32 years$3,361$2,350$1,607$1,079$714$272
33 years$3,224$2,225$1,500$992$646$237
34 years$3,095$2,109$1,402$913$585$207
35 years$2,973$2,000$1,310$840$530$180
36 years$2,859$1,898$1,226$774$480$157
37 years$2,751$1,803$1,147$713$435$137
38 years$2,649$1,714$1,074$657$394$120
39 years$2,552$1,629$1,007$606$358$104
40 years$2,461$1,550$944$559$324$91
41 years$2,374$1,476$885$516$294$80
42 years$2,292$1,405$830$476$267$69
43 years$2,213$1,339$779$439$242$61
44 years$2,139$1,276$731$406$220$53
45 years$2,068$1,217$686$375$200$46
46 years$2,000$1,161$645$346$181$40
47 years$1,935$1,108$606$320$165$35
48 years$1,873$1,058$569$295$149$31
49 years$1,814$1,010$535$273$136$27
50 years$1,757$965$503$252$123$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,800,000, adding $3,586 every year, while hoping to spend $27,430 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: 72/18/10 Blend
44$1,800,000$1,800,000$1,800,000$1,800,000
45$1,987,299$1,891,899$1,863,999$2,126,358
46$2,160,818$1,955,417$1,897,258$2,282,281
47$2,351,117$2,021,127$1,930,711$2,449,216
48$2,559,878$2,089,110$1,964,337$2,631,248
49$2,788,954$2,159,445$1,998,111$2,829,861
50$3,040,388$2,232,218$2,032,008$3,046,689
51$3,316,426$2,307,516$2,065,999$3,283,529
52$3,619,547$2,385,429$2,100,056$3,542,361
53$3,952,479$2,466,054$2,134,146$3,825,364
54$4,318,228$2,549,486$2,168,236$4,134,938
55$4,720,105$2,635,829$2,202,289$4,473,727
56$5,161,759$2,725,187$2,236,269$4,844,641
57$5,647,207$2,817,670$2,270,132$5,250,885
58$6,180,878$2,913,391$2,303,837$5,695,989
59$6,767,649$3,012,470$2,337,338$6,183,841
60$7,412,895$3,115,027$2,370,585$6,718,724
61$8,122,537$3,221,190$2,403,526$7,305,354
62$8,903,099$3,331,091$2,436,107$7,948,927
63$9,761,768$3,444,867$2,468,269$8,655,166
64$10,706,463$3,562,661$2,499,952$9,430,374
65$11,745,911$3,684,620$2,531,089$10,281,498
66$12,889,726$3,810,898$2,561,612$11,216,186
67$14,148,500$3,941,653$2,591,448$12,242,867
68$15,533,905$4,077,053$2,620,520$13,370,825
69$17,058,803$4,217,268$2,648,747$14,610,288
70$18,737,365$4,362,478$2,676,043$15,972,526
71$20,585,204$4,512,868$2,702,319$17,469,954
72$22,619,527$4,668,631$2,727,479$19,116,250
73$24,859,292$4,829,966$2,751,423$20,926,483
74$27,325,389$4,997,084$2,774,044$22,917,258
75$30,040,837$5,170,199$2,795,233$25,106,868
76$33,031,000$5,349,537$2,814,872$27,515,469
77$36,323,830$5,535,332$2,832,837$30,165,270
78$39,950,123$5,727,826$2,849,000$33,080,739
79$43,943,819$5,927,272$2,863,224$36,288,838
80$48,342,312$6,133,933$2,875,367$39,819,275
81$53,186,814$6,348,081$2,885,277$43,704,781
82$58,522,732$6,570,000$2,892,797$47,981,425
83$64,400,106$6,799,986$2,897,761$52,688,948
84$70,874,076$7,038,344$2,899,995$57,871,141
85$78,005,403$7,285,395$2,899,317$63,576,255
86$85,861,045$7,541,469$2,895,534$69,857,460
87$94,514,783$7,806,913$2,888,446$76,773,342
88$104,047,923$8,082,084$2,877,841$84,388,460
89$114,550,062$8,367,357$2,863,500$92,773,950
90$126,119,931$8,663,120$2,845,189$102,008,198
91$138,866,327$8,969,776$2,822,666$112,177,582
92$152,909,144$9,287,747$2,795,677$123,377,283
93$168,380,500$9,617,469$2,763,956$135,712,182
94$185,425,984$9,959,399$2,727,222$149,297,856
95$204,206,034$10,314,009$2,685,183$164,261,661
96$224,897,447$10,681,793$2,637,535$180,743,936
97$247,695,050$11,063,264$2,583,955$198,899,329
98$272,813,537$11,458,956$2,524,110$218,898,254
99$300,489,499$11,869,425$2,457,648$240,928,499
100$330,983,651$12,295,250$2,384,202$265,197,000