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%16.2%
1 years$149,468$148,137$146,838$145,570$144,332$140,672
2 years$73,994$72,616$71,280$69,986$68,729$65,065
3 years$48,839$47,455$46,123$44,840$43,605$40,052
4 years$36,265$34,885$33,566$32,305$31,099$27,685
5 years$28,722$27,350$26,048$24,813$23,641$20,374
6 years$23,695$22,333$21,051$19,843$18,706$15,591
7 years$20,105$18,756$17,494$16,314$15,213$12,249
8 years$17,414$16,077$14,836$13,686$12,621$9,806
9 years$15,323$13,998$12,778$11,657$10,629$7,961
10 years$13,650$12,338$11,140$10,049$9,056$6,533
11 years$12,283$10,984$9,808$8,745$7,789$5,406
12 years$11,144$9,859$8,704$7,671$6,749$4,504
13 years$10,182$8,909$7,777$6,772$5,886$3,772
14 years$9,357$8,098$6,987$6,012$5,159$3,173
15 years$8,643$7,398$6,309$5,361$4,543$2,678
16 years$8,019$6,788$5,720$4,800$4,015$2,268
17 years$7,469$6,251$5,205$4,313$3,560$1,925
18 years$6,980$5,776$4,751$3,887$3,165$1,637
19 years$6,544$5,353$4,349$3,512$2,821$1,395
20 years$6,152$4,975$3,992$3,181$2,520$1,190
21 years$5,797$4,634$3,672$2,887$2,255$1,017
22 years$5,475$4,325$3,384$2,625$2,021$870
23 years$5,182$4,045$3,124$2,391$1,815$745
24 years$4,913$3,790$2,890$2,180$1,631$638
25 years$4,666$3,557$2,676$1,991$1,468$547
26 years$4,439$3,343$2,482$1,821$1,322$469
27 years$4,229$3,146$2,305$1,666$1,192$402
28 years$4,034$2,965$2,143$1,527$1,075$346
29 years$3,853$2,797$1,994$1,400$971$297
30 years$3,684$2,641$1,857$1,285$877$255
31 years$3,527$2,497$1,732$1,180$793$219
32 years$3,380$2,363$1,616$1,085$718$188
33 years$3,241$2,237$1,508$997$649$162
34 years$3,112$2,121$1,409$918$588$139
35 years$2,990$2,011$1,318$845$533$120
36 years$2,875$1,909$1,233$778$483$103
37 years$2,766$1,813$1,154$717$437$88
38 years$2,664$1,723$1,080$661$396$76
39 years$2,567$1,639$1,012$609$360$65
40 years$2,475$1,559$949$562$326$56
41 years$2,387$1,484$890$518$296$48
42 years$2,304$1,413$835$478$268$42
43 years$2,226$1,347$783$442$244$36
44 years$2,151$1,284$735$408$221$31
45 years$2,079$1,224$690$377$201$27
46 years$2,011$1,168$648$348$182$23
47 years$1,946$1,114$609$321$166$20
48 years$1,884$1,064$572$297$150$17
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 $6,581 every year, while hoping to spend $40,444 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: 25/50/25 Blend
44$1,810,000$1,810,000$1,810,000$1,810,000
45$2,001,408$1,905,478$1,877,423$2,035,494
46$2,162,520$1,955,815$1,897,285$2,114,322
47$2,338,709$2,007,262$1,916,456$2,194,879
48$2,531,472$2,059,832$1,934,872$2,280,398
49$2,742,454$2,113,536$1,952,462$2,371,320
50$2,973,468$2,168,383$1,969,154$2,468,131
51$3,226,512$2,224,384$1,984,870$2,571,367
52$3,503,783$2,281,545$1,999,530$2,681,617
53$3,807,703$2,339,875$2,013,048$2,799,529
54$4,140,938$2,399,379$2,025,335$2,925,818
55$4,506,427$2,460,061$2,036,297$3,061,271
56$4,907,403$2,521,925$2,045,833$3,206,757
57$5,347,430$2,584,971$2,053,841$3,363,229
58$5,830,434$2,649,201$2,060,210$3,531,742
59$6,360,737$2,714,610$2,064,826$3,713,455
60$6,943,103$2,781,197$2,067,568$3,909,648
61$7,582,777$2,848,953$2,068,310$4,121,730
62$8,285,540$2,917,871$2,066,918$4,351,255
63$9,057,758$2,987,940$2,063,252$4,599,935
64$9,906,445$3,059,145$2,057,168$4,869,658
65$10,839,330$3,131,471$2,048,510$5,162,504
66$11,864,926$3,204,897$2,037,119$5,480,767
67$12,992,612$3,279,400$2,022,826$5,826,976
68$14,232,722$3,354,954$2,005,454$6,203,917
69$15,596,641$3,431,529$1,984,819$6,614,665
70$17,096,914$3,509,089$1,960,726$7,062,607
71$18,747,361$3,587,597$1,932,972$7,551,478
72$20,563,210$3,667,008$1,901,345$8,085,396
73$22,561,241$3,747,274$1,865,623$8,668,901
74$24,759,938$3,828,341$1,825,573$9,306,997
75$27,179,673$3,910,151$1,780,950$10,005,202
76$29,842,888$3,992,637$1,731,501$10,769,600
77$32,774,314$4,075,728$1,676,958$11,606,897
78$36,001,201$4,159,345$1,617,042$12,524,488
79$39,553,573$4,243,402$1,551,463$13,530,523
80$43,464,515$4,327,806$1,479,914$14,633,992
81$47,770,482$4,412,455$1,402,078$15,844,800
82$52,511,644$4,497,239$1,317,620$17,173,872
83$57,732,265$4,582,036$1,226,193$18,633,248
84$63,481,118$4,666,719$1,127,433$20,236,206
85$69,811,950$4,751,146$1,020,960$21,997,379
86$76,783,983$4,835,166$906,376$23,932,902
87$84,462,476$4,918,616$783,267$26,060,562
88$92,919,342$5,001,321$651,200$28,399,967
89$102,233,821$5,083,092$509,721$30,972,731
90$112,493,233$5,163,726$358,359$33,802,684
91$123,793,800$5,243,006$196,621$36,916,092
92$136,241,551$5,320,697$23,991$40,341,913
93$149,953,328$5,396,549$0$44,112,066
94$165,057,883$5,470,296$0$48,304,480
95$181,697,095$5,541,649$0$52,924,806
96$200,027,312$5,610,303$0$58,009,551
97$220,220,820$5,675,930$0$63,606,005
98$242,467,474$5,738,180$0$69,766,290
99$266,976,486$5,796,681$0$76,547,847
100$293,978,403$5,851,034$0$84,013,980