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

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$149,468$148,137$146,838$145,570$144,332$140,729
2 years$73,994$72,616$71,280$69,986$68,729$65,122
3 years$48,839$47,455$46,123$44,840$43,605$40,106
4 years$36,265$34,885$33,566$32,305$31,099$27,736
5 years$28,722$27,350$26,048$24,813$23,641$20,423
6 years$23,695$22,333$21,051$19,843$18,706$15,636
7 years$20,105$18,756$17,494$16,314$15,213$12,292
8 years$17,414$16,077$14,836$13,686$12,621$9,846
9 years$15,323$13,998$12,778$11,657$10,629$7,999
10 years$13,650$12,338$11,140$10,049$9,056$6,568
11 years$12,283$10,984$9,808$8,745$7,789$5,439
12 years$11,144$9,859$8,704$7,671$6,749$4,534
13 years$10,182$8,909$7,777$6,772$5,886$3,799
14 years$9,357$8,098$6,987$6,012$5,159$3,198
15 years$8,643$7,398$6,309$5,361$4,543$2,702
16 years$8,019$6,788$5,720$4,800$4,015$2,289
17 years$7,469$6,251$5,205$4,313$3,560$1,945
18 years$6,980$5,776$4,751$3,887$3,165$1,655
19 years$6,544$5,353$4,349$3,512$2,821$1,411
20 years$6,152$4,975$3,992$3,181$2,520$1,205
21 years$5,797$4,634$3,672$2,887$2,255$1,031
22 years$5,475$4,325$3,384$2,625$2,021$882
23 years$5,182$4,045$3,124$2,391$1,815$756
24 years$4,913$3,790$2,890$2,180$1,631$648
25 years$4,666$3,557$2,676$1,991$1,468$556
26 years$4,439$3,343$2,482$1,821$1,322$477
27 years$4,229$3,146$2,305$1,666$1,192$410
28 years$4,034$2,965$2,143$1,527$1,075$352
29 years$3,853$2,797$1,994$1,400$971$303
30 years$3,684$2,641$1,857$1,285$877$260
31 years$3,527$2,497$1,732$1,180$793$224
32 years$3,380$2,363$1,616$1,085$718$192
33 years$3,241$2,237$1,508$997$649$166
34 years$3,112$2,121$1,409$918$588$142
35 years$2,990$2,011$1,318$845$533$123
36 years$2,875$1,909$1,233$778$483$106
37 years$2,766$1,813$1,154$717$437$91
38 years$2,664$1,723$1,080$661$396$78
39 years$2,567$1,639$1,012$609$360$67
40 years$2,475$1,559$949$562$326$58
41 years$2,387$1,484$890$518$296$50
42 years$2,304$1,413$835$478$268$43
43 years$2,226$1,347$783$442$244$37
44 years$2,151$1,284$735$408$221$32
45 years$2,079$1,224$690$377$201$27
46 years$2,011$1,168$648$348$182$24
47 years$1,946$1,114$609$321$166$20
48 years$1,884$1,064$572$297$150$18
49 years$1,824$1,016$538$274$137$15
50 years$1,767$970$506$254$124$13

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 $2,567 every year, while hoping to spend $29,380 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: 43/28/29 Blend
44$1,810,000$1,810,000$1,810,000$1,810,000
45$1,997,268$1,901,338$1,873,283$2,066,159
46$2,169,729$1,963,243$1,904,778$2,177,786
47$2,358,797$2,027,197$1,936,343$2,295,689
48$2,566,133$2,093,270$1,967,950$2,422,886
49$2,793,571$2,161,532$1,999,568$2,560,256
50$3,043,126$2,232,058$2,031,165$2,708,768
51$3,317,021$2,304,925$2,062,705$2,869,486
52$3,617,704$2,380,213$2,094,152$3,043,584
53$3,947,870$2,458,004$2,125,467$3,232,351
54$4,310,490$2,538,383$2,156,607$3,437,206
55$4,708,835$2,621,438$2,187,528$3,659,713
56$5,146,509$2,707,262$2,218,183$3,901,593
57$5,627,484$2,795,948$2,248,523$4,164,740
58$6,156,132$2,887,595$2,278,494$4,451,240
59$6,737,275$2,982,304$2,308,040$4,763,390
60$7,376,220$3,080,180$2,337,103$5,103,718
61$8,078,817$3,181,332$2,365,619$5,475,010
62$8,851,512$3,285,872$2,393,522$5,880,333
63$9,701,403$3,393,918$2,420,743$6,323,066
64$10,636,316$3,505,589$2,447,207$6,806,927
65$11,664,869$3,621,011$2,472,837$7,336,017
66$12,796,559$3,740,314$2,497,550$7,914,847
67$14,041,850$3,863,632$2,521,261$8,548,392
68$15,412,272$3,991,104$2,543,876$9,242,126
69$16,920,530$4,122,874$2,565,302$10,002,085
70$18,580,620$4,259,090$2,585,436$10,834,915
71$20,407,966$4,399,909$2,604,171$11,747,937
72$22,419,564$4,545,490$2,621,396$12,749,219
73$24,634,139$4,695,999$2,636,992$13,847,648
74$27,072,326$4,851,607$2,650,836$15,053,015
75$29,756,862$5,012,494$2,662,797$16,376,108
76$32,712,799$5,178,844$2,672,739$17,828,811
77$35,967,745$5,350,848$2,680,516$19,424,220
78$39,552,121$5,528,705$2,685,979$21,176,763
79$43,499,446$5,712,620$2,688,968$23,102,337
80$47,846,658$5,902,807$2,689,317$25,218,457
81$52,634,459$6,099,487$2,686,851$27,544,425
82$57,907,701$6,302,889$2,681,388$30,101,505
83$63,715,805$6,513,249$2,672,733$32,913,129
84$70,113,235$6,730,815$2,660,687$36,005,116
85$77,160,002$6,955,843$2,645,037$39,405,917
86$84,922,238$7,188,595$2,625,562$43,146,880
87$93,472,818$7,429,348$2,602,030$47,262,548
88$102,892,046$7,678,386$2,574,198$51,790,985
89$113,268,412$7,936,005$2,541,811$56,774,135
90$124,699,431$8,202,510$2,504,603$62,258,215
91$137,292,559$8,478,219$2,462,293$68,294,155
92$151,166,211$8,763,463$2,414,591$74,938,075
93$166,450,875$9,058,582$2,361,190$82,251,819
94$183,290,344$9,363,933$2,301,769$90,303,533
95$201,843,075$9,679,882$2,235,995$99,168,311
96$222,283,684$10,006,811$2,163,516$108,928,904
97$244,804,593$10,345,118$2,083,967$119,676,499
98$269,617,845$10,695,213$1,996,964$131,511,583
99$296,957,110$11,057,522$1,902,106$144,544,887
100$327,079,884$11,432,490$1,798,976$158,898,433