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%13.3%
1 years$148,642$147,318$146,027$144,766$143,535$141,565
2 years$73,585$72,215$70,887$69,599$68,350$66,369
3 years$48,570$47,193$45,868$44,593$43,364$41,433
4 years$36,064$34,692$33,380$32,127$30,928$29,062
5 years$28,563$27,199$25,905$24,676$23,511$21,716
6 years$23,564$22,210$20,935$19,734$18,603$16,881
7 years$19,994$18,652$17,397$16,224$15,129$13,481
8 years$17,318$15,988$14,754$13,610$12,551$10,976
9 years$15,238$13,921$12,708$11,593$10,570$9,067
10 years$13,575$12,270$11,079$9,993$9,006$7,574
11 years$12,215$10,924$9,754$8,697$7,746$6,384
12 years$11,083$9,804$8,656$7,628$6,712$5,419
13 years$10,125$8,860$7,734$6,735$5,853$4,626
14 years$9,305$8,054$6,949$5,978$5,131$3,969
15 years$8,595$7,357$6,274$5,332$4,518$3,418
16 years$7,975$6,750$5,688$4,774$3,993$2,954
17 years$7,428$6,217$5,176$4,289$3,540$2,560
18 years$6,942$5,744$4,725$3,866$3,148$2,224
19 years$6,508$5,324$4,325$3,493$2,806$1,936
20 years$6,118$4,947$3,970$3,163$2,506$1,689
21 years$5,765$4,608$3,651$2,871$2,243$1,475
22 years$5,445$4,302$3,365$2,610$2,010$1,290
23 years$5,153$4,023$3,107$2,377$1,804$1,129
24 years$4,886$3,769$2,874$2,168$1,622$990
25 years$4,641$3,537$2,662$1,980$1,459$868
26 years$4,415$3,325$2,468$1,811$1,315$762
27 years$4,206$3,129$2,292$1,657$1,185$670
28 years$4,012$2,948$2,131$1,518$1,069$588
29 years$3,832$2,781$1,983$1,392$966$518
30 years$3,664$2,627$1,847$1,278$873$455
31 years$3,507$2,483$1,722$1,174$789$401
32 years$3,361$2,350$1,607$1,079$714$353
33 years$3,224$2,225$1,500$992$646$311
34 years$3,095$2,109$1,402$913$585$274
35 years$2,973$2,000$1,310$840$530$241
36 years$2,859$1,898$1,226$774$480$213
37 years$2,751$1,803$1,147$713$435$187
38 years$2,649$1,714$1,074$657$394$165
39 years$2,552$1,629$1,007$606$358$146
40 years$2,461$1,550$944$559$324$128
41 years$2,374$1,476$885$516$294$113
42 years$2,292$1,405$830$476$267$100
43 years$2,213$1,339$779$439$242$88
44 years$2,139$1,276$731$406$220$78
45 years$2,068$1,217$686$375$200$69
46 years$2,000$1,161$645$346$181$60
47 years$1,935$1,108$606$320$165$53
48 years$1,873$1,058$569$295$149$47
49 years$1,814$1,010$535$273$136$42
50 years$1,757$965$503$252$123$37

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 $6,386 every year, while hoping to spend $44,846 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: 56/29/15 Blend
44$1,800,000$1,800,000$1,800,000$1,800,000
45$1,990,187$1,894,787$1,866,887$2,093,509
46$2,145,470$1,939,916$1,881,712$2,209,510
47$2,315,090$1,985,753$1,895,531$2,330,387
48$2,500,459$2,032,286$1,908,262$2,461,030
49$2,703,138$2,079,499$1,919,820$2,602,384
50$2,924,840$2,127,377$1,930,116$2,755,487
51$3,167,454$2,175,898$1,939,055$2,921,486
52$3,433,059$2,225,043$1,946,539$3,101,640
53$3,723,946$2,274,784$1,952,462$3,297,341
54$4,042,636$2,325,096$1,956,717$3,510,118
55$4,391,906$2,375,947$1,959,188$3,741,659
56$4,774,814$2,427,302$1,959,755$3,993,822
57$5,194,729$2,479,124$1,958,291$4,268,654
58$5,655,362$2,531,371$1,954,664$4,568,413
59$6,160,798$2,583,998$1,948,735$4,895,585
60$6,715,540$2,636,954$1,940,357$5,252,910
61$7,324,545$2,690,185$1,929,379$5,643,408
62$7,993,275$2,743,630$1,915,640$6,070,406
63$8,727,746$2,797,226$1,898,971$6,537,572
64$9,534,588$2,850,901$1,879,198$7,048,947
65$10,421,100$2,904,579$1,856,135$7,608,986
66$11,395,327$2,958,178$1,829,591$8,222,598
67$12,466,130$3,011,609$1,799,362$8,895,194
68$13,643,273$3,064,775$1,765,238$9,632,736
69$14,937,510$3,117,572$1,726,996$10,441,796
70$16,360,692$3,169,890$1,684,407$11,329,617
71$17,925,875$3,221,606$1,637,227$12,304,183
72$19,647,442$3,272,593$1,585,202$13,374,291
73$21,541,243$3,322,712$1,528,068$14,549,640
74$23,624,740$3,371,815$1,465,548$15,840,918
75$25,917,171$3,419,741$1,397,352$17,259,904
76$28,439,735$3,466,321$1,323,176$18,819,582
77$31,215,790$3,511,373$1,242,704$20,534,262
78$34,271,071$3,554,701$1,155,605$22,419,716
79$37,633,936$3,596,097$1,061,534$24,493,326
80$41,335,630$3,635,339$960,128$26,774,252
81$45,410,583$3,672,189$851,011$29,283,611
82$49,896,730$3,706,394$733,788$32,044,675
83$54,835,875$3,737,685$608,047$35,083,096
84$60,274,076$3,765,774$473,359$38,427,146
85$66,262,090$3,790,355$329,275$42,107,983
86$72,855,843$3,811,102$175,325$46,159,950
87$80,116,962$3,827,669$11,022$50,620,898
88$88,113,355$3,839,688$0$55,532,541
89$96,919,850$3,846,765$0$60,967,158
90$106,618,904$3,848,486$0$66,952,713
91$117,301,379$3,844,408$0$73,543,378
92$129,067,397$3,834,062$0$80,800,798
93$142,027,289$3,816,949$0$88,792,909
94$156,302,634$3,792,540$0$97,594,576
95$172,027,403$3,760,275$0$107,288,306
96$189,349,228$3,719,559$0$117,965,025
97$208,430,793$3,669,761$0$129,724,934
98$229,451,369$3,610,214$0$142,678,461
99$252,608,502$3,540,208$0$156,947,302
100$278,119,886$3,458,995$0$172,665,569