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%14.5%
1 years$149,468$148,137$146,838$145,570$144,332$141,650
2 years$73,994$72,616$71,280$69,986$68,729$66,037
3 years$48,839$47,455$46,123$44,840$43,605$40,986
4 years$36,265$34,885$33,566$32,305$31,099$28,575
5 years$28,722$27,350$26,048$24,813$23,641$21,218
6 years$23,695$22,333$21,051$19,843$18,706$16,387
7 years$20,105$18,756$17,494$16,314$15,213$12,999
8 years$17,414$16,077$14,836$13,686$12,621$10,510
9 years$15,323$13,998$12,778$11,657$10,629$8,621
10 years$13,650$12,338$11,140$10,049$9,056$7,149
11 years$12,283$10,984$9,808$8,745$7,789$5,980
12 years$11,144$9,859$8,704$7,671$6,749$5,037
13 years$10,182$8,909$7,777$6,772$5,886$4,267
14 years$9,357$8,098$6,987$6,012$5,159$3,631
15 years$8,643$7,398$6,309$5,361$4,543$3,102
16 years$8,019$6,788$5,720$4,800$4,015$2,658
17 years$7,469$6,251$5,205$4,313$3,560$2,284
18 years$6,980$5,776$4,751$3,887$3,165$1,967
19 years$6,544$5,353$4,349$3,512$2,821$1,697
20 years$6,152$4,975$3,992$3,181$2,520$1,467
21 years$5,797$4,634$3,672$2,887$2,255$1,270
22 years$5,475$4,325$3,384$2,625$2,021$1,100
23 years$5,182$4,045$3,124$2,391$1,815$955
24 years$4,913$3,790$2,890$2,180$1,631$829
25 years$4,666$3,557$2,676$1,991$1,468$720
26 years$4,439$3,343$2,482$1,821$1,322$626
27 years$4,229$3,146$2,305$1,666$1,192$545
28 years$4,034$2,965$2,143$1,527$1,075$474
29 years$3,853$2,797$1,994$1,400$971$413
30 years$3,684$2,641$1,857$1,285$877$360
31 years$3,527$2,497$1,732$1,180$793$313
32 years$3,380$2,363$1,616$1,085$718$273
33 years$3,241$2,237$1,508$997$649$238
34 years$3,112$2,121$1,409$918$588$208
35 years$2,990$2,011$1,318$845$533$181
36 years$2,875$1,909$1,233$778$483$158
37 years$2,766$1,813$1,154$717$437$138
38 years$2,664$1,723$1,080$661$396$120
39 years$2,567$1,639$1,012$609$360$105
40 years$2,475$1,559$949$562$326$92
41 years$2,387$1,484$890$518$296$80
42 years$2,304$1,413$835$478$268$70
43 years$2,226$1,347$783$442$244$61
44 years$2,151$1,284$735$408$221$53
45 years$2,079$1,224$690$377$201$46
46 years$2,011$1,168$648$348$182$41
47 years$1,946$1,114$609$321$166$35
48 years$1,884$1,064$572$297$150$31
49 years$1,824$1,016$538$274$137$27
50 years$1,767$970$506$254$124$24

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 $4,762 every year, while hoping to spend $30,096 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: 42/32/26 Blend
44$1,810,000$1,810,000$1,810,000$1,810,000
45$1,999,532$1,903,602$1,875,547$2,068,113
46$2,171,462$1,964,857$1,906,356$2,179,012
47$2,359,921$2,028,104$1,937,188$2,295,822
48$2,566,562$2,093,410$1,968,013$2,421,739
49$2,793,207$2,160,843$1,998,797$2,557,619
50$3,041,863$2,230,473$2,029,505$2,704,406
51$3,314,739$2,302,373$2,060,101$2,863,138
52$3,614,271$2,376,618$2,090,543$3,034,955
53$3,943,141$2,453,286$2,120,790$3,221,115
54$4,304,302$2,532,457$2,150,797$3,422,998
55$4,701,009$2,614,216$2,180,516$3,642,127
56$5,136,846$2,698,647$2,209,898$3,880,177
57$5,615,763$2,785,839$2,238,889$4,138,990
58$6,142,111$2,875,886$2,267,432$4,420,597
59$6,720,683$2,968,881$2,295,467$4,727,232
60$7,356,760$3,064,923$2,322,932$5,061,355
61$8,056,159$3,164,114$2,349,761$5,425,675
62$8,825,291$3,266,559$2,375,881$5,823,175
63$9,671,218$3,372,368$2,401,220$6,257,142
64$10,601,720$3,481,652$2,425,699$6,731,193
65$11,625,371$3,594,528$2,449,235$7,249,312
66$12,751,615$3,711,116$2,471,741$7,815,890
67$13,990,861$3,831,542$2,493,126$8,435,759
68$15,354,576$3,955,934$2,513,292$9,114,246
69$16,855,393$4,084,426$2,532,138$9,857,215
70$18,507,236$4,217,155$2,549,557$10,671,127
71$20,325,443$4,354,265$2,565,437$11,563,101
72$22,326,917$4,495,903$2,579,658$12,540,977
73$24,530,282$4,642,222$2,592,096$13,613,393
74$26,956,060$4,793,380$2,602,620$14,789,865
75$29,626,864$4,949,541$2,611,093$16,080,878
76$32,567,610$5,110,874$2,617,371$17,497,983
77$35,805,754$5,277,555$2,621,301$19,053,906
78$39,371,551$5,449,766$2,622,725$20,762,667
79$43,298,338$5,627,693$2,621,475$22,639,715
80$47,622,851$5,811,532$2,617,377$24,702,070
81$52,385,568$6,001,484$2,610,245$26,968,488
82$57,631,096$6,197,756$2,599,888$29,459,630
83$63,408,587$6,400,565$2,586,104$32,198,266
84$69,772,204$6,610,134$2,568,679$35,209,483
85$76,781,632$6,826,695$2,547,394$38,520,922
86$84,502,641$7,050,485$2,522,014$42,163,043
87$93,007,706$7,281,754$2,492,296$46,169,408
88$102,376,689$7,520,757$2,457,985$50,577,000
89$112,697,598$7,767,761$2,418,814$55,426,567
90$124,067,412$8,023,040$2,374,504$60,763,014
91$136,592,998$8,286,879$2,324,760$66,635,821
92$150,392,122$8,559,575$2,269,278$73,099,511
93$165,594,556$8,841,431$2,207,736$80,214,165
94$182,343,304$9,132,765$2,139,799$88,045,987
95$200,795,956$9,433,905$2,065,116$96,667,931
96$221,126,167$9,745,190$1,983,321$106,160,389
97$243,525,304$10,066,972$1,894,030$116,611,947
98$268,204,247$10,399,616$1,796,843$128,120,226
99$295,395,383$10,743,499$1,691,339$140,792,796
100$325,354,794$11,099,013$1,577,082$154,748,198