Can I retire at age 45 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$218,835$216,885$214,983$213,127$211,315$208,071
2 years$108,334$106,316$104,361$102,465$100,626$97,366
3 years$71,505$69,479$67,528$65,650$63,841$60,666
4 years$53,094$51,074$49,143$47,297$45,532$42,467
5 years$42,051$40,043$38,137$36,329$34,613$31,666
6 years$34,691$32,698$30,821$29,053$27,388$24,562
7 years$29,436$27,460$25,612$23,886$22,274$19,571
8 years$25,496$23,538$21,721$20,037$18,478$15,898
9 years$22,434$20,494$18,708$17,067$15,561$13,102
10 years$19,985$18,065$16,310$14,712$13,259$10,918
11 years$17,983$16,082$14,359$12,804$11,403$9,179
12 years$16,316$14,434$12,744$11,231$9,882$7,772
13 years$14,907$13,044$11,386$9,915$8,617$6,618
14 years$13,699$11,857$10,230$8,801$7,554$5,662
15 years$12,654$10,831$9,236$7,849$6,651$4,863
16 years$11,740$9,938$8,374$7,028$5,878$4,191
17 years$10,935$9,152$7,620$6,315$5,212$3,622
18 years$10,220$8,457$6,956$5,691$4,634$3,138
19 years$9,581$7,838$6,368$5,142$4,131$2,723
20 years$9,007$7,283$5,844$4,657$3,689$2,368
21 years$8,487$6,784$5,376$4,227$3,302$2,062
22 years$8,016$6,333$4,954$3,843$2,959$1,798
23 years$7,587$5,923$4,575$3,500$2,657$1,569
24 years$7,193$5,549$4,231$3,192$2,388$1,371
25 years$6,832$5,208$3,918$2,915$2,149$1,199
26 years$6,499$4,895$3,634$2,666$1,935$1,049
27 years$6,192$4,606$3,375$2,440$1,745$919
28 years$5,906$4,341$3,137$2,235$1,575$805
29 years$5,641$4,095$2,919$2,050$1,422$705
30 years$5,394$3,867$2,719$1,881$1,285$619
31 years$5,164$3,656$2,535$1,728$1,161$543
32 years$4,948$3,459$2,365$1,588$1,051$476
33 years$4,746$3,276$2,209$1,460$951$418
34 years$4,556$3,105$2,064$1,344$861$367
35 years$4,377$2,945$1,929$1,237$780$322
36 years$4,209$2,795$1,805$1,139$706$283
37 years$4,050$2,655$1,689$1,050$640$249
38 years$3,900$2,523$1,582$967$580$218
39 years$3,758$2,399$1,482$892$526$192
40 years$3,623$2,282$1,389$823$477$169
41 years$3,495$2,173$1,303$759$433$148
42 years$3,374$2,069$1,222$701$393$130
43 years$3,258$1,971$1,147$647$357$115
44 years$3,149$1,879$1,076$597$324$101
45 years$3,044$1,792$1,011$551$294$89
46 years$2,944$1,710$949$509$267$78
47 years$2,849$1,631$892$471$242$68
48 years$2,758$1,557$838$435$220$60
49 years$2,671$1,487$788$402$200$53
50 years$2,587$1,421$740$371$182$47

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $2,650,000, adding $2,269 every year, while hoping to spend $56,843 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: 46/33/21 Blend
44$2,650,000$2,650,000$2,650,000$2,650,000
45$2,922,640$2,782,190$2,741,115$3,039,410
46$3,160,269$2,858,037$2,772,462$3,197,333
47$3,420,231$2,935,695$2,802,954$3,362,747
48$3,704,744$3,015,194$2,832,502$3,541,043
49$4,016,250$3,096,560$2,861,013$3,733,448
50$4,357,439$3,179,823$2,888,389$3,941,315
51$4,731,272$3,265,009$2,914,524$4,166,131
52$5,141,011$3,352,144$2,939,310$4,409,535
53$5,590,250$3,441,254$2,962,632$4,673,333
54$6,082,943$3,532,364$2,984,368$4,959,512
55$6,623,449$3,625,496$3,004,391$5,270,262
56$7,216,569$3,720,673$3,022,566$5,607,994
57$7,867,589$3,817,916$3,038,752$5,975,367
58$8,582,333$3,917,244$3,052,800$6,375,307
59$9,367,217$4,018,675$3,064,555$6,811,037
60$10,229,308$4,122,225$3,073,852$7,286,112
61$11,176,392$4,227,907$3,080,520$7,804,445
62$12,217,044$4,335,735$3,084,378$8,370,349
63$13,360,713$4,445,717$3,085,236$8,988,576
64$14,617,809$4,557,861$3,082,894$9,664,362
65$15,999,800$4,672,170$3,077,145$10,403,477
66$17,519,319$4,788,645$3,067,769$11,212,278
67$19,190,286$4,907,286$3,054,536$12,097,771
68$21,028,038$5,028,086$3,037,206$13,067,677
69$23,049,472$5,151,036$3,015,526$14,130,502
70$25,273,204$5,276,122$2,989,232$15,295,624
71$27,719,746$5,403,328$2,958,047$16,573,372
72$30,411,699$5,532,629$2,921,680$17,975,134
73$33,373,963$5,664,000$2,879,828$19,513,458
74$36,633,978$5,797,406$2,832,172$21,202,172
75$40,221,974$5,932,809$2,778,380$23,056,514
76$44,171,262$6,070,163$2,718,102$25,093,282
77$48,518,547$6,209,418$2,650,975$27,330,983
78$53,304,272$6,350,513$2,576,616$29,790,017
79$58,573,002$6,493,382$2,494,627$32,492,864
80$64,373,840$6,637,949$2,404,589$35,464,300
81$70,760,895$6,784,132$2,306,066$38,731,631
82$77,793,789$6,931,838$2,198,602$42,324,949
83$85,538,220$7,080,962$2,081,719$46,277,418
84$94,066,580$7,231,391$1,954,919$50,625,589
85$103,458,642$7,383,000$1,817,680$55,409,745
86$113,802,309$7,535,652$1,669,457$60,674,278
87$125,194,443$7,689,197$1,509,682$66,468,116
88$137,741,779$7,843,472$1,337,760$72,845,181
89$151,561,936$7,998,296$1,153,070$79,864,897
90$166,784,519$8,153,478$954,963$87,592,759
91$183,552,348$8,308,807$742,763$96,100,945
92$202,022,804$8,464,055$515,762$105,469,003
93$222,369,312$8,618,976$273,221$115,784,601
94$244,782,979$8,773,303$14,372$127,144,355
95$269,474,398$8,926,750$0$139,654,747
96$296,675,635$9,079,009$0$153,491,801
97$326,642,415$9,229,746$0$168,733,423
98$359,656,541$9,378,603$0$185,519,112
99$396,028,551$9,525,198$0$204,006,154
100$436,100,648$9,669,117$0$224,367,874