Can I retire at age 45 with 2,750,000?

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 $2,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$227,092$225,070$223,096$221,170$219,289$215,302
2 years$112,422$110,328$108,299$106,332$104,423$100,421
3 years$74,204$72,101$70,077$68,128$66,250$62,357
4 years$55,098$53,002$50,998$49,082$47,250$43,496
5 years$43,638$41,554$39,576$37,700$35,919$32,314
6 years$36,000$33,932$31,984$30,149$28,421$24,971
7 years$30,547$28,496$26,579$24,787$23,114$19,818
8 years$26,458$24,426$22,541$20,793$19,175$16,034
9 years$23,280$21,268$19,414$17,711$16,149$13,159
10 years$20,740$18,746$16,926$15,267$13,759$10,919
11 years$18,662$16,689$14,901$13,287$11,834$9,140
12 years$16,932$14,979$13,224$11,655$10,255$7,703
13 years$15,469$13,537$11,815$10,289$8,942$6,529
14 years$14,216$12,304$10,616$9,134$7,839$5,560
15 years$13,132$11,240$9,585$8,146$6,902$4,753
16 years$12,184$10,313$8,690$7,293$6,100$4,076
17 years$11,348$9,498$7,908$6,553$5,409$3,505
18 years$10,606$8,776$7,219$5,906$4,809$3,021
19 years$9,943$8,134$6,608$5,336$4,286$2,609
20 years$9,346$7,558$6,065$4,833$3,829$2,256
21 years$8,808$7,040$5,578$4,386$3,426$1,954
22 years$8,319$6,572$5,141$3,988$3,071$1,695
23 years$7,873$6,146$4,747$3,632$2,757$1,471
24 years$7,465$5,759$4,390$3,313$2,478$1,279
25 years$7,090$5,404$4,066$3,025$2,230$1,112
26 years$6,744$5,079$3,771$2,766$2,008$968
27 years$6,425$4,780$3,502$2,532$1,811$842
28 years$6,129$4,504$3,256$2,320$1,634$734
29 years$5,854$4,249$3,030$2,127$1,475$640
30 years$5,598$4,013$2,822$1,952$1,333$558
31 years$5,359$3,794$2,631$1,793$1,205$486
32 years$5,135$3,590$2,455$1,648$1,090$424
33 years$4,925$3,399$2,292$1,515$987$370
34 years$4,728$3,222$2,141$1,394$893$323
35 years$4,542$3,056$2,002$1,284$809$282
36 years$4,368$2,900$1,873$1,182$733$246
37 years$4,203$2,755$1,753$1,089$664$215
38 years$4,047$2,618$1,642$1,004$602$188
39 years$3,899$2,489$1,538$926$546$164
40 years$3,760$2,369$1,442$854$495$143
41 years$3,627$2,255$1,352$788$449$125
42 years$3,501$2,147$1,268$727$408$109
43 years$3,381$2,046$1,190$671$370$96
44 years$3,267$1,950$1,117$620$336$84
45 years$3,159$1,860$1,049$572$305$73
46 years$3,055$1,774$985$529$277$64
47 years$2,956$1,693$925$488$251$56
48 years$2,862$1,616$870$451$228$49
49 years$2,771$1,543$817$417$207$43
50 years$2,685$1,474$768$385$188$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $2,750,000, adding $3,577 every year, while hoping to spend $48,597 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: 51/27/22 Blend
44$2,750,000$2,750,000$2,750,000$2,750,000
45$3,034,190$2,888,440$2,845,815$3,170,153
46$3,291,970$2,978,266$2,889,443$3,354,415
47$3,574,416$3,070,866$2,932,903$3,549,382
48$3,883,990$3,166,323$2,976,140$3,760,358
49$4,223,409$3,264,724$3,019,092$3,988,880
50$4,595,660$3,366,159$3,061,695$4,236,639
51$5,004,037$3,470,721$3,103,882$4,505,496
52$5,452,167$3,578,504$3,145,580$4,797,500
53$5,944,044$3,689,607$3,186,713$5,114,907
54$6,484,069$3,804,130$3,227,200$5,460,201
55$7,077,089$3,922,177$3,266,956$5,836,115
56$7,728,443$4,043,855$3,305,891$6,245,662
57$8,444,015$4,169,275$3,343,909$6,692,155
58$9,230,285$4,298,549$3,380,910$7,179,248
59$10,094,390$4,431,794$3,416,787$7,710,961
60$11,044,197$4,569,131$3,451,428$8,291,722
61$12,088,370$4,710,683$3,484,715$8,926,411
62$13,236,455$4,856,578$3,516,524$9,620,400
63$14,498,969$5,006,946$3,546,724$10,379,608
64$15,887,500$5,161,923$3,575,175$11,210,554
65$17,414,815$5,321,647$3,601,734$12,120,419
66$19,094,979$5,486,261$3,626,245$13,117,116
67$20,943,492$5,655,913$3,648,550$14,209,359
68$22,977,430$5,830,754$3,668,477$15,406,750
69$25,215,606$6,010,939$3,685,850$16,719,868
70$27,678,753$6,196,630$3,700,481$18,160,367
71$30,389,712$6,387,991$3,712,173$19,741,087
72$33,373,652$6,585,192$3,720,720$21,476,174
73$36,658,306$6,788,408$3,725,906$23,381,216
74$40,274,231$6,997,819$3,727,502$25,473,386
75$44,255,100$7,213,609$3,725,270$27,771,607
76$48,638,013$7,435,969$3,718,960$30,296,727
77$53,463,854$7,665,095$3,708,309$33,071,719
78$58,777,671$7,901,188$3,693,041$36,121,897
79$64,629,103$8,144,456$3,672,867$39,475,151
80$71,072,848$8,395,111$3,647,485$43,162,216
81$78,169,180$8,653,373$3,616,577$47,216,956
82$85,984,515$8,919,467$3,579,811$51,676,688
83$94,592,040$9,193,625$3,536,839$56,582,529
84$104,072,401$9,476,086$3,487,296$61,979,791
85$114,514,466$9,767,094$3,430,801$67,918,402
86$126,016,163$10,066,902$3,366,953$74,453,380
87$138,685,400$10,375,770$3,295,336$81,645,350
88$152,641,091$10,693,963$3,215,510$89,561,121
89$168,014,271$11,021,755$3,127,017$98,274,311
90$184,949,334$11,359,429$3,029,380$107,866,044
91$203,605,399$11,707,273$2,922,097$118,425,715
92$224,157,805$12,065,586$2,804,643$130,051,835
93$246,799,774$12,434,672$2,676,471$142,852,961
94$271,744,227$12,814,847$2,537,009$156,948,718
95$299,225,796$13,206,432$2,385,657$172,470,930
96$329,503,041$13,609,761$2,221,790$189,564,864
97$362,860,886$14,025,174$2,044,754$208,390,602
98$399,613,309$14,453,020$1,853,867$229,124,551
99$440,106,309$14,893,661$1,648,414$251,961,109
100$484,721,167$15,347,465$1,427,650$277,114,499