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%16.4%
1 years$218,835$216,885$214,983$213,127$211,315$205,789
2 years$108,334$106,316$104,361$102,465$100,626$95,097
3 years$71,505$69,479$67,528$65,650$63,841$58,481
4 years$53,094$51,074$49,143$47,297$45,532$40,382
5 years$42,051$40,043$38,137$36,329$34,613$29,688
6 years$34,691$32,698$30,821$29,053$27,388$22,693
7 years$29,436$27,460$25,612$23,886$22,274$17,808
8 years$25,496$23,538$21,721$20,037$18,478$14,241
9 years$22,434$20,494$18,708$17,067$15,561$11,548
10 years$19,985$18,065$16,310$14,712$13,259$9,464
11 years$17,983$16,082$14,359$12,804$11,403$7,822
12 years$16,316$14,434$12,744$11,231$9,882$6,507
13 years$14,907$13,044$11,386$9,915$8,617$5,443
14 years$13,699$11,857$10,230$8,801$7,554$4,572
15 years$12,654$10,831$9,236$7,849$6,651$3,854
16 years$11,740$9,938$8,374$7,028$5,878$3,259
17 years$10,935$9,152$7,620$6,315$5,212$2,762
18 years$10,220$8,457$6,956$5,691$4,634$2,346
19 years$9,581$7,838$6,368$5,142$4,131$1,996
20 years$9,007$7,283$5,844$4,657$3,689$1,700
21 years$8,487$6,784$5,376$4,227$3,302$1,451
22 years$8,016$6,333$4,954$3,843$2,959$1,239
23 years$7,587$5,923$4,575$3,500$2,657$1,059
24 years$7,193$5,549$4,231$3,192$2,388$906
25 years$6,832$5,208$3,918$2,915$2,149$775
26 years$6,499$4,895$3,634$2,666$1,935$664
27 years$6,192$4,606$3,375$2,440$1,745$569
28 years$5,906$4,341$3,137$2,235$1,575$487
29 years$5,641$4,095$2,919$2,050$1,422$418
30 years$5,394$3,867$2,719$1,881$1,285$358
31 years$5,164$3,656$2,535$1,728$1,161$307
32 years$4,948$3,459$2,365$1,588$1,051$264
33 years$4,746$3,276$2,209$1,460$951$226
34 years$4,556$3,105$2,064$1,344$861$194
35 years$4,377$2,945$1,929$1,237$780$167
36 years$4,209$2,795$1,805$1,139$706$143
37 years$4,050$2,655$1,689$1,050$640$123
38 years$3,900$2,523$1,582$967$580$106
39 years$3,758$2,399$1,482$892$526$91
40 years$3,623$2,282$1,389$823$477$78
41 years$3,495$2,173$1,303$759$433$67
42 years$3,374$2,069$1,222$701$393$57
43 years$3,258$1,971$1,147$647$357$49
44 years$3,149$1,879$1,076$597$324$42
45 years$3,044$1,792$1,011$551$294$36
46 years$2,944$1,710$949$509$267$31
47 years$2,849$1,631$892$471$242$27
48 years$2,758$1,557$838$435$220$23
49 years$2,671$1,487$788$402$200$20
50 years$2,587$1,421$740$371$182$17

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 $5,100 every year, while hoping to spend $30,928 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: 59/25/16 Blend
44$2,650,000$2,650,000$2,650,000$2,650,000
45$2,925,561$2,785,111$2,744,036$3,085,881
46$3,191,061$2,888,674$2,803,054$3,298,391
47$3,482,605$2,996,275$2,863,012$3,526,162
48$3,802,818$3,108,080$2,923,910$3,773,832
49$4,154,589$3,224,260$2,985,745$4,043,325
50$4,541,104$3,344,995$3,048,514$4,336,760
51$4,965,870$3,470,473$3,112,213$4,656,465
52$5,432,751$3,600,888$3,176,834$5,005,004
53$5,946,006$3,736,446$3,242,372$5,385,196
54$6,510,324$3,877,358$3,308,818$5,800,146
55$7,130,875$4,023,846$3,376,161$6,253,272
56$7,813,351$4,176,142$3,444,389$6,748,333
57$8,564,027$4,334,486$3,513,490$7,289,469
58$9,389,813$4,499,132$3,583,448$7,881,239
59$10,298,326$4,670,341$3,654,245$8,528,660
60$11,297,956$4,848,389$3,725,863$9,237,255
61$12,397,948$5,033,560$3,798,279$10,013,108
62$13,608,488$5,226,154$3,871,472$10,862,917
63$14,940,801$5,426,483$3,945,413$11,794,056
64$16,407,254$5,634,871$4,020,075$12,814,646
65$18,021,473$5,851,659$4,095,427$13,933,633
66$19,798,474$6,077,201$4,171,435$15,160,866
67$21,754,802$6,311,868$4,248,061$16,507,193
68$23,908,686$6,556,044$4,325,266$17,984,563
69$26,280,217$6,810,135$4,403,007$19,606,134
70$28,891,528$7,074,560$4,481,237$21,386,403
71$31,767,011$7,349,761$4,559,905$23,341,334
72$34,933,542$7,636,195$4,638,958$25,488,514
73$38,420,738$7,934,343$4,718,337$27,847,315
74$42,261,232$8,244,705$4,797,981$30,439,077
75$46,490,987$8,567,805$4,877,823$33,287,307
76$51,149,630$8,904,189$4,957,792$36,417,901
77$56,280,825$9,254,428$5,037,811$39,859,388
78$61,932,691$9,619,116$5,117,799$43,643,196
79$68,158,251$9,998,879$5,197,671$47,803,948
80$75,015,933$10,394,364$5,277,334$52,379,789
81$82,570,124$10,806,254$5,356,690$57,412,745
82$90,891,772$11,235,256$5,435,635$62,949,113
83$100,059,064$11,682,114$5,514,059$69,039,906
84$110,158,153$12,147,602$5,591,845$75,741,322
85$121,283,980$12,632,531$5,668,868$83,115,284
86$133,541,168$13,137,747$5,744,996$91,230,014
87$147,045,005$13,664,134$5,820,091$100,160,680
88$161,922,536$14,212,617$5,894,005$109,990,103
89$178,313,762$14,784,163$5,966,582$120,809,536
90$196,372,960$15,379,781$6,037,656$132,719,525
91$216,270,138$16,000,526$6,107,054$145,830,854
92$238,192,644$16,647,503$6,174,592$160,265,592
93$262,346,928$17,321,865$6,240,075$176,158,240
94$288,960,495$18,024,818$6,303,299$193,657,000
95$318,284,054$18,757,622$6,364,047$212,925,172
96$350,593,877$19,521,595$6,422,092$234,142,692
97$386,194,415$20,318,116$6,477,195$257,507,829
98$425,421,167$21,148,626$6,529,103$283,239,056
99$468,643,848$22,014,630$6,577,549$311,577,103
100$516,269,878$22,917,705$6,622,255$342,787,237