Can I retire at age 45 with 2,730,000?

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 $2,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$225,441$223,433$221,474$219,561$217,694$211,233
2 years$111,604$109,526$107,511$105,558$103,664$97,208
3 years$73,664$71,576$69,567$67,632$65,769$59,520
4 years$54,697$52,616$50,627$48,725$46,907$40,914
5 years$43,320$41,252$39,289$37,426$35,658$29,936
6 years$35,738$33,685$31,751$29,930$28,215$22,770
7 years$30,324$28,289$26,385$24,607$22,946$17,778
8 years$26,266$24,249$22,377$20,642$19,036$14,141
9 years$23,111$21,113$19,273$17,582$16,031$11,405
10 years$20,589$18,610$16,803$15,156$13,659$9,295
11 years$18,526$16,567$14,793$13,190$11,747$7,638
12 years$16,809$14,870$13,128$11,570$10,180$6,316
13 years$15,357$13,438$11,729$10,214$8,877$5,251
14 years$14,113$12,215$10,539$9,067$7,782$4,384
15 years$13,036$11,158$9,515$8,086$6,852$3,672
16 years$12,095$10,238$8,627$7,240$6,056$3,085
17 years$11,265$9,429$7,850$6,505$5,369$2,598
18 years$10,529$8,712$7,166$5,863$4,774$2,191
19 years$9,870$8,075$6,560$5,297$4,255$1,852
20 years$9,278$7,503$6,021$4,798$3,801$1,567
21 years$8,744$6,989$5,538$4,354$3,401$1,328
22 years$8,258$6,524$5,104$3,959$3,049$1,126
23 years$7,816$6,102$4,713$3,606$2,737$955
24 years$7,410$5,717$4,358$3,289$2,460$811
25 years$7,038$5,365$4,037$3,003$2,214$689
26 years$6,695$5,042$3,744$2,746$1,994$586
27 years$6,378$4,745$3,477$2,514$1,798$498
28 years$6,085$4,472$3,232$2,303$1,622$424
29 years$5,811$4,218$3,008$2,112$1,465$361
30 years$5,557$3,984$2,801$1,938$1,323$307
31 years$5,320$3,766$2,612$1,780$1,196$262
32 years$5,097$3,563$2,437$1,636$1,082$223
33 years$4,889$3,375$2,275$1,504$979$190
34 years$4,693$3,198$2,126$1,384$887$162
35 years$4,509$3,034$1,987$1,274$803$138
36 years$4,336$2,879$1,859$1,173$728$117
37 years$4,172$2,735$1,740$1,081$660$100
38 years$4,017$2,599$1,630$997$598$85
39 years$3,871$2,471$1,527$919$542$73
40 years$3,732$2,351$1,431$848$492$62
41 years$3,601$2,238$1,342$782$446$53
42 years$3,476$2,132$1,259$722$405$45
43 years$3,357$2,031$1,181$666$367$38
44 years$3,244$1,936$1,109$615$334$33
45 years$3,136$1,846$1,041$568$303$28
46 years$3,033$1,761$978$525$275$24
47 years$2,935$1,681$919$485$250$20
48 years$2,841$1,604$863$448$227$17
49 years$2,751$1,532$811$414$206$15
50 years$2,665$1,464$763$383$187$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $2,730,000, adding $5,586 every year, while hoping to spend $56,256 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: 50/20/30 Blend
44$2,730,000$2,730,000$2,730,000$2,730,000
45$3,014,222$2,869,532$2,827,217$3,139,034
46$3,261,817$2,950,283$2,862,073$3,307,857
47$3,532,781$3,033,106$2,896,211$3,485,252
48$3,829,438$3,118,041$2,929,548$3,677,004
49$4,154,348$3,205,133$2,961,995$3,884,504
50$4,510,330$3,294,423$2,993,460$4,109,285
51$4,900,487$3,385,953$3,023,845$4,353,037
52$5,328,239$3,479,767$3,053,046$4,617,620
53$5,797,351$3,575,907$3,080,954$4,905,084
54$6,311,969$3,674,415$3,107,454$5,217,688
55$6,876,662$3,775,333$3,132,426$5,557,920
56$7,496,461$3,878,704$3,155,742$5,928,522
57$8,176,908$3,984,569$3,177,267$6,332,515
58$8,924,109$4,092,969$3,196,862$6,773,229
59$9,744,789$4,203,945$3,214,378$7,254,331
60$10,646,356$4,317,537$3,229,658$7,779,864
61$11,636,973$4,433,785$3,242,540$8,354,283
62$12,725,630$4,552,727$3,252,852$8,982,496
63$13,922,234$4,674,399$3,260,411$9,669,915
64$15,237,696$4,798,840$3,265,030$10,422,501
65$16,684,041$4,926,083$3,266,508$11,246,824
66$18,274,514$5,056,161$3,264,637$12,150,126
67$20,023,709$5,189,108$3,259,197$13,140,387
68$21,947,706$5,324,953$3,249,959$14,226,401
69$24,064,220$5,463,724$3,236,681$15,417,862
70$26,392,771$5,605,447$3,219,110$16,725,452
71$28,954,866$5,750,145$3,196,981$18,160,944
72$31,774,199$5,897,840$3,170,018$19,737,313
73$34,876,882$6,048,549$3,137,928$21,468,860
74$38,291,683$6,202,286$3,100,407$23,371,344
75$42,050,300$6,359,063$3,057,136$25,462,136
76$46,187,661$6,518,888$3,007,781$27,760,379
77$50,742,252$6,681,763$2,951,991$30,287,171
78$55,756,480$6,847,688$2,889,401$33,065,765
79$61,277,073$7,016,657$2,819,628$36,121,789
80$67,355,519$7,188,658$2,742,271$39,483,486
81$74,048,555$7,363,675$2,656,910$43,181,984
82$81,418,698$7,541,685$2,563,106$47,251,591
83$89,534,837$7,722,659$2,460,402$51,730,117
84$98,472,882$7,906,561$2,348,317$56,659,231
85$108,316,480$8,093,348$2,226,350$62,084,860
86$119,157,806$8,282,966$2,093,978$68,057,618
87$131,098,428$8,475,357$1,950,651$74,633,288
88$144,250,269$8,670,451$1,795,799$81,873,347
89$158,736,661$8,868,168$1,628,824$89,845,551
90$174,693,510$9,068,418$1,449,099$98,624,571
91$192,270,578$9,271,101$1,255,974$108,292,703
92$211,632,895$9,476,102$1,048,767$118,940,643
93$232,962,315$9,683,296$826,765$130,668,348
94$256,459,236$9,892,543$589,227$143,585,976
95$282,344,489$10,103,688$335,377$157,814,934
96$310,861,419$10,316,561$64,404$173,489,019
97$342,278,186$10,530,975$0$190,755,686
98$376,890,295$10,746,726$0$209,849,391
99$415,023,379$10,963,590$0$230,903,957
100$457,036,282$11,181,324$0$254,096,413