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%15.6%
1 years$218,835$216,885$214,983$213,127$211,315$206,458
2 years$108,334$106,316$104,361$102,465$100,626$95,760
3 years$71,505$69,479$67,528$65,650$63,841$59,117
4 years$53,094$51,074$49,143$47,297$45,532$40,987
5 years$42,051$40,043$38,137$36,329$34,613$30,259
6 years$34,691$32,698$30,821$29,053$27,388$23,231
7 years$29,436$27,460$25,612$23,886$22,274$18,313
8 years$25,496$23,538$21,721$20,037$18,478$14,713
9 years$22,434$20,494$18,708$17,067$15,561$11,988
10 years$19,985$18,065$16,310$14,712$13,259$9,875
11 years$17,983$16,082$14,359$12,804$11,403$8,203
12 years$16,316$14,434$12,744$11,231$9,882$6,860
13 years$14,907$13,044$11,386$9,915$8,617$5,768
14 years$13,699$11,857$10,230$8,801$7,554$4,872
15 years$12,654$10,831$9,236$7,849$6,651$4,130
16 years$11,740$9,938$8,374$7,028$5,878$3,512
17 years$10,935$9,152$7,620$6,315$5,212$2,994
18 years$10,220$8,457$6,956$5,691$4,634$2,558
19 years$9,581$7,838$6,368$5,142$4,131$2,189
20 years$9,007$7,283$5,844$4,657$3,689$1,877
21 years$8,487$6,784$5,376$4,227$3,302$1,611
22 years$8,016$6,333$4,954$3,843$2,959$1,384
23 years$7,587$5,923$4,575$3,500$2,657$1,190
24 years$7,193$5,549$4,231$3,192$2,388$1,025
25 years$6,832$5,208$3,918$2,915$2,149$883
26 years$6,499$4,895$3,634$2,666$1,935$761
27 years$6,192$4,606$3,375$2,440$1,745$656
28 years$5,906$4,341$3,137$2,235$1,575$566
29 years$5,641$4,095$2,919$2,050$1,422$488
30 years$5,394$3,867$2,719$1,881$1,285$422
31 years$5,164$3,656$2,535$1,728$1,161$364
32 years$4,948$3,459$2,365$1,588$1,051$314
33 years$4,746$3,276$2,209$1,460$951$272
34 years$4,556$3,105$2,064$1,344$861$235
35 years$4,377$2,945$1,929$1,237$780$203
36 years$4,209$2,795$1,805$1,139$706$175
37 years$4,050$2,655$1,689$1,050$640$152
38 years$3,900$2,523$1,582$967$580$131
39 years$3,758$2,399$1,482$892$526$113
40 years$3,623$2,282$1,389$823$477$98
41 years$3,495$2,173$1,303$759$433$85
42 years$3,374$2,069$1,222$701$393$73
43 years$3,258$1,971$1,147$647$357$63
44 years$3,149$1,879$1,076$597$324$55
45 years$3,044$1,792$1,011$551$294$47
46 years$2,944$1,710$949$509$267$41
47 years$2,849$1,631$892$471$242$35
48 years$2,758$1,557$838$435$220$31
49 years$2,671$1,487$788$402$200$27
50 years$2,587$1,421$740$371$182$23

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 $6,212 every year, while hoping to spend $33,898 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: 73/12/15 Blend
44$2,650,000$2,650,000$2,650,000$2,650,000
45$2,926,708$2,786,258$2,745,183$3,130,178
46$3,189,165$2,886,717$2,801,079$3,366,252
47$3,477,256$2,990,963$2,857,712$3,620,009
48$3,793,561$3,099,145$2,915,070$3,897,073
49$4,140,920$3,211,419$2,973,141$4,199,748
50$4,522,463$3,327,947$3,031,910$4,530,570
51$4,941,637$3,448,900$3,091,362$4,892,331
52$5,402,240$3,574,452$3,151,479$5,288,105
53$5,908,457$3,704,788$3,212,241$5,721,279
54$6,464,895$3,840,099$3,273,627$6,195,581
55$7,076,635$3,980,584$3,335,614$6,715,119
56$7,749,270$4,126,450$3,398,175$7,284,415
57$8,488,964$4,277,915$3,461,283$7,908,452
58$9,302,509$4,435,204$3,524,907$8,592,716
59$10,197,388$4,598,552$3,589,014$9,343,251
60$11,181,843$4,768,203$3,653,568$10,166,714
61$12,264,960$4,944,413$3,718,531$11,070,440
62$13,456,745$5,127,449$3,783,861$12,062,506
63$14,768,226$5,317,587$3,849,513$13,151,812
64$16,211,554$5,515,117$3,915,440$14,348,161
65$17,800,115$5,720,341$3,981,590$15,662,353
66$19,548,662$5,933,572$4,047,908$17,106,286
67$21,473,447$6,155,139$4,114,336$18,693,069
68$23,592,382$6,385,384$4,180,809$20,437,141
69$25,925,201$6,624,664$4,247,262$22,354,414
70$28,493,648$6,873,349$4,313,622$24,462,417
71$31,321,685$7,131,828$4,379,813$26,780,463
72$34,435,715$7,400,506$4,445,755$29,329,831
73$37,864,832$7,679,805$4,511,362$32,133,964
74$41,641,094$7,970,164$4,576,542$35,218,694
75$45,799,827$8,272,044$4,641,197$38,612,484
76$50,379,958$8,585,923$4,705,226$42,346,692
77$55,424,382$8,912,301$4,768,519$46,455,871
78$60,980,366$9,251,700$4,830,961$50,978,095
79$67,099,995$9,604,665$4,892,430$55,955,314
80$73,840,664$9,971,764$4,952,796$61,433,751
81$81,265,620$10,353,589$5,011,924$67,464,341
82$89,444,559$10,750,760$5,069,668$74,103,204
83$98,454,278$11,163,922$5,125,877$81,412,182
84$108,379,411$11,593,750$5,180,390$89,459,417
85$119,313,214$12,040,947$5,233,036$98,319,995
86$131,358,458$12,506,249$5,283,639$108,076,653
87$144,628,388$12,990,423$5,332,008$118,820,563
88$159,247,799$13,494,269$5,377,946$130,652,186
89$175,354,210$14,018,624$5,421,243$143,682,224
90$193,099,164$14,564,361$5,461,679$158,032,664
91$212,649,657$15,132,393$5,499,023$173,837,926
92$234,189,712$15,723,671$5,533,031$191,246,132
93$257,922,122$16,339,189$5,563,446$210,420,507
94$284,070,357$16,979,988$5,590,000$231,540,913
95$312,880,677$17,647,151$5,612,409$254,805,550
96$344,624,457$18,341,813$5,630,376$280,432,823
97$379,600,746$19,065,156$5,643,588$308,663,409
98$418,139,092$19,818,418$5,651,717$339,762,519
99$460,602,649$20,602,890$5,654,420$374,022,407
100$507,391,610$21,419,923$5,651,334$411,765,126