Can I retire at age 45 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$152,771$151,410$150,083$148,787$147,522$144,131
2 years$75,629$74,221$72,856$71,532$70,248$66,851
3 years$49,919$48,504$47,142$45,831$44,568$41,271
4 years$37,066$35,656$34,308$33,019$31,787$28,614
5 years$29,356$27,954$26,624$25,362$24,164$21,124
6 years$24,218$22,827$21,516$20,282$19,120$16,218
7 years$20,550$19,170$17,880$16,675$15,550$12,785
8 years$17,799$16,432$15,164$13,988$12,900$10,271
9 years$15,661$14,307$13,061$11,915$10,864$8,369
10 years$13,952$12,611$11,386$10,271$9,256$6,894
11 years$12,554$11,227$10,024$8,939$7,961$5,726
12 years$11,391$10,077$8,896$7,840$6,899$4,789
13 years$10,407$9,106$7,948$6,922$6,016$4,027
14 years$9,564$8,277$7,142$6,144$5,273$3,401
15 years$8,834$7,562$6,448$5,480$4,643$2,883
16 years$8,196$6,938$5,846$4,907$4,104$2,452
17 years$7,634$6,389$5,320$4,408$3,638$2,090
18 years$7,135$5,904$4,856$3,973$3,235$1,786
19 years$6,689$5,472$4,446$3,590$2,884$1,528
20 years$6,288$5,085$4,080$3,251$2,576$1,310
21 years$5,925$4,736$3,753$2,951$2,305$1,125
22 years$5,596$4,421$3,459$2,683$2,066$966
23 years$5,296$4,135$3,194$2,443$1,855$831
24 years$5,022$3,874$2,953$2,229$1,667$715
25 years$4,770$3,636$2,736$2,035$1,500$616
26 years$4,537$3,417$2,537$1,861$1,351$531
27 years$4,322$3,216$2,356$1,703$1,218$458
28 years$4,123$3,030$2,190$1,561$1,099$395
29 years$3,938$2,859$2,038$1,431$993$341
30 years$3,766$2,700$1,898$1,313$897$294
31 years$3,605$2,552$1,770$1,206$811$254
32 years$3,454$2,415$1,651$1,109$733$220
33 years$3,313$2,287$1,542$1,019$664$190
34 years$3,180$2,167$1,441$938$601$164
35 years$3,056$2,056$1,347$863$544$142
36 years$2,938$1,951$1,260$795$493$122
37 years$2,827$1,853$1,179$733$447$106
38 years$2,722$1,761$1,104$675$405$91
39 years$2,623$1,675$1,035$623$367$79
40 years$2,529$1,593$970$574$333$68
41 years$2,440$1,517$909$530$302$59
42 years$2,355$1,444$853$489$274$51
43 years$2,275$1,376$800$451$249$44
44 years$2,198$1,312$751$417$226$38
45 years$2,125$1,251$705$385$205$33
46 years$2,055$1,193$663$356$186$29
47 years$1,989$1,139$622$329$169$25
48 years$1,925$1,087$585$304$154$21
49 years$1,864$1,038$550$281$140$19
50 years$1,806$992$517$259$127$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,850,000, adding $3,192 every year, while hoping to spend $53,719 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: 51/25/24 Blend
44$1,850,000$1,850,000$1,850,000$1,850,000
45$2,041,993$1,943,943$1,915,268$2,132,264
46$2,193,119$1,982,039$1,922,272$2,233,300
47$2,357,860$2,020,202$1,927,712$2,337,375
48$2,537,548$2,058,378$1,931,476$2,449,443
49$2,733,648$2,096,508$1,933,450$2,570,283
50$2,947,774$2,134,532$1,933,515$2,700,757
51$3,181,703$2,172,380$1,931,544$2,841,814
52$3,437,390$2,209,980$1,927,404$2,994,501
53$3,716,989$2,247,253$1,920,957$3,159,974
54$4,022,870$2,284,117$1,912,057$3,339,506
55$4,357,643$2,320,479$1,900,551$3,534,504
56$4,724,183$2,356,243$1,886,280$3,746,519
57$5,125,655$2,391,304$1,869,075$3,977,259
58$5,565,544$2,425,550$1,848,762$4,228,611
59$6,047,690$2,458,863$1,825,156$4,502,657
60$6,576,321$2,491,113$1,798,065$4,801,691
61$7,156,092$2,522,165$1,767,287$5,128,244
62$7,792,133$2,551,870$1,732,611$5,485,108
63$8,490,094$2,580,075$1,693,816$5,875,363
64$9,256,195$2,606,610$1,650,671$6,302,406
65$10,097,293$2,631,300$1,602,934$6,769,981
66$11,020,937$2,653,954$1,550,353$7,282,221
67$12,035,445$2,674,370$1,492,662$7,843,681
68$13,149,979$2,692,333$1,429,585$8,459,387
69$14,374,634$2,707,614$1,360,833$9,134,879
70$15,720,529$2,719,970$1,286,104$9,876,269
71$17,199,916$2,729,142$1,205,081$10,690,297
72$18,826,291$2,734,853$1,117,434$11,584,393
73$20,614,523$2,736,811$1,022,819$12,566,752
74$22,580,996$2,734,707$920,875$13,646,411
75$24,743,758$2,728,208$811,225$14,833,335
76$27,122,697$2,716,965$693,476$16,138,511
77$29,739,722$2,700,606$567,217$17,574,055
78$32,618,974$2,678,737$432,020$19,153,323
79$35,787,053$2,650,939$287,436$20,891,045
80$39,273,266$2,616,768$132,999$22,803,461
81$43,109,904$2,575,755$0$24,908,475
82$47,332,549$2,527,401$0$27,233,974
83$51,980,405$2,471,179$0$29,830,451
84$57,096,669$2,406,531$0$32,687,943
85$62,728,943$2,332,863$0$35,833,046
86$68,929,673$2,249,552$0$39,295,071
87$75,756,652$2,155,932$0$43,106,325
88$83,273,562$2,051,305$0$47,302,411
89$91,550,573$1,934,927$0$51,922,573
90$100,665,008$1,806,014$0$57,010,060
91$110,702,067$1,663,737$0$62,612,537
92$121,755,637$1,507,220$0$68,782,541
93$133,929,174$1,335,535$0$75,577,970
94$147,336,676$1,147,702$0$83,062,636
95$162,103,765$942,688$0$91,306,869
96$178,368,869$719,399$0$100,388,178
97$196,284,524$476,680$0$110,391,990
98$216,018,819$213,312$0$121,412,452
99$237,756,981$0$0$133,553,325
100$261,703,120$0$0$146,948,771