Can I retire at age 45 with 1,810,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$149,468$148,137$146,838$145,570$144,332$139,156
2 years$73,994$72,616$71,280$69,986$68,729$63,570
3 years$48,839$47,455$46,123$44,840$43,605$38,625
4 years$36,265$34,885$33,566$32,305$31,099$26,337
5 years$28,722$27,350$26,048$24,813$23,641$19,109
6 years$23,695$22,333$21,051$19,843$18,706$14,407
7 years$20,105$18,756$17,494$16,314$15,213$11,147
8 years$17,414$16,077$14,836$13,686$12,621$8,783
9 years$15,323$13,998$12,778$11,657$10,629$7,015
10 years$13,650$12,338$11,140$10,049$9,056$5,660
11 years$12,283$10,984$9,808$8,745$7,789$4,603
12 years$11,144$9,859$8,704$7,671$6,749$3,766
13 years$10,182$8,909$7,777$6,772$5,886$3,097
14 years$9,357$8,098$6,987$6,012$5,159$2,557
15 years$8,643$7,398$6,309$5,361$4,543$2,118
16 years$8,019$6,788$5,720$4,800$4,015$1,759
17 years$7,469$6,251$5,205$4,313$3,560$1,463
18 years$6,980$5,776$4,751$3,887$3,165$1,220
19 years$6,544$5,353$4,349$3,512$2,821$1,019
20 years$6,152$4,975$3,992$3,181$2,520$851
21 years$5,797$4,634$3,672$2,887$2,255$712
22 years$5,475$4,325$3,384$2,625$2,021$597
23 years$5,182$4,045$3,124$2,391$1,815$500
24 years$4,913$3,790$2,890$2,180$1,631$419
25 years$4,666$3,557$2,676$1,991$1,468$352
26 years$4,439$3,343$2,482$1,821$1,322$295
27 years$4,229$3,146$2,305$1,666$1,192$248
28 years$4,034$2,965$2,143$1,527$1,075$208
29 years$3,853$2,797$1,994$1,400$971$175
30 years$3,684$2,641$1,857$1,285$877$147
31 years$3,527$2,497$1,732$1,180$793$123
32 years$3,380$2,363$1,616$1,085$718$104
33 years$3,241$2,237$1,508$997$649$87
34 years$3,112$2,121$1,409$918$588$73
35 years$2,990$2,011$1,318$845$533$62
36 years$2,875$1,909$1,233$778$483$52
37 years$2,766$1,813$1,154$717$437$44
38 years$2,664$1,723$1,080$661$396$37
39 years$2,567$1,639$1,012$609$360$31
40 years$2,475$1,559$949$562$326$26
41 years$2,387$1,484$890$518$296$22
42 years$2,304$1,413$835$478$268$18
43 years$2,226$1,347$783$442$244$15
44 years$2,151$1,284$735$408$221$13
45 years$2,079$1,224$690$377$201$11
46 years$2,011$1,168$648$348$182$9
47 years$1,946$1,114$609$321$166$8
48 years$1,884$1,064$572$297$150$6
49 years$1,824$1,016$538$274$137$5
50 years$1,767$970$506$254$124$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,810,000, adding $6,471 every year, while hoping to spend $48,690 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: 88/7/5 Blend
44$1,810,000$1,810,000$1,810,000$1,810,000
45$2,001,295$1,905,365$1,877,310$2,177,063
46$2,153,621$1,946,922$1,888,394$2,333,955
47$2,319,853$1,988,883$1,898,217$2,498,904
48$2,501,357$2,031,218$1,906,687$2,678,625
49$2,699,638$2,073,890$1,913,704$2,874,571
50$2,916,353$2,116,863$1,919,164$3,088,340
51$3,153,325$2,160,093$1,922,961$3,321,692
52$3,412,563$2,203,536$1,924,979$3,576,566
53$3,696,277$2,247,143$1,925,098$3,855,095
54$4,006,903$2,290,858$1,923,195$4,159,632
55$4,347,121$2,334,624$1,919,136$4,492,764
56$4,719,885$2,378,378$1,912,784$4,857,344
57$5,128,444$2,422,050$1,903,993$5,256,513
58$5,576,382$2,465,566$1,892,613$5,693,730
59$6,067,641$2,508,848$1,878,484$6,172,806
60$6,606,567$2,551,807$1,861,440$6,697,940
61$7,197,944$2,594,353$1,841,305$7,273,756
62$7,847,043$2,636,385$1,817,897$7,905,350
63$8,559,669$2,677,796$1,791,025$8,598,333
64$9,342,219$2,718,471$1,760,488$9,358,889
65$10,201,736$2,758,288$1,726,076$10,193,831
66$11,145,983$2,797,113$1,687,569$11,110,664
67$12,183,509$2,834,807$1,644,738$12,117,658
68$13,323,732$2,871,218$1,597,342$13,223,922
69$14,577,030$2,906,185$1,545,129$14,439,495
70$15,954,833$2,939,534$1,487,838$15,775,438
71$17,469,737$2,971,083$1,425,191$17,243,937
72$19,135,618$3,000,633$1,356,903$18,858,419
73$20,967,764$3,027,977$1,282,672$20,633,680
74$22,983,019$3,052,891$1,202,185$22,586,021
75$25,199,941$3,075,136$1,115,112$24,733,406
76$27,638,977$3,094,461$1,021,110$27,095,628
77$30,322,657$3,110,594$919,822$29,694,496
78$33,275,805$3,123,249$810,873$32,554,045
79$36,525,771$3,132,123$693,871$35,700,755
80$40,102,692$3,136,889$568,408$39,163,808
81$44,039,775$3,137,205$434,058$42,975,359
82$48,373,609$3,132,705$290,376$47,170,841
83$53,144,510$3,123,000$136,896$51,789,298
84$58,396,901$3,107,679$0$56,873,758
85$64,179,734$3,086,304$0$62,473,066
86$70,546,945$3,058,411$0$68,645,921
87$77,557,970$3,023,510$0$75,442,613
88$85,278,299$2,981,078$0$82,926,615
89$93,780,098$2,930,563$0$91,167,870
90$103,142,889$2,871,381$0$100,243,451
91$113,454,296$2,802,912$0$110,238,290
92$124,810,878$2,724,498$0$121,245,976
93$137,319,035$2,635,446$0$133,369,641
94$151,096,014$2,535,020$0$146,722,932
95$166,271,014$2,422,443$0$161,431,085
96$182,986,404$2,296,889$0$177,632,105
97$201,399,070$2,157,490$0$195,478,069
98$221,681,892$2,003,324$0$215,136,560
99$244,025,376$1,833,417$0$236,792,254
100$268,639,450$1,646,740$0$260,648,656