Can I retire at age 45 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$338,574$335,558$332,616$329,744$326,940$320,470
2 years$167,611$164,489$161,464$158,531$155,686$149,194
3 years$110,631$107,496$104,478$101,572$98,773$92,464
4 years$82,146$79,021$76,033$73,177$70,446$64,366
5 years$65,060$61,953$59,005$56,207$53,552$47,719
6 years$53,673$50,589$47,685$44,949$42,374$36,795
7 years$45,542$42,485$39,626$36,955$34,461$29,137
8 years$39,447$36,417$33,606$31,001$28,589$23,518
9 years$34,709$31,708$28,945$26,406$24,076$19,255
10 years$30,921$27,949$25,235$22,762$20,514$15,939
11 years$27,823$24,881$22,216$19,810$17,643$13,307
12 years$25,244$22,332$19,716$17,376$15,289$11,187
13 years$23,063$20,182$17,615$15,340$13,332$9,457
14 years$21,195$18,345$15,827$13,617$11,687$8,032
15 years$19,578$16,758$14,290$12,144$10,290$6,847
16 years$18,165$15,375$12,956$10,874$9,094$5,855
17 years$16,918$14,160$11,790$9,770$8,064$5,020
18 years$15,812$13,085$10,762$8,805$7,170$4,314
19 years$14,823$12,127$9,852$7,956$6,391$3,714
20 years$13,935$11,269$9,042$7,206$5,708$3,203
21 years$13,132$10,496$8,317$6,540$5,108$2,766
22 years$12,402$9,798$7,665$5,946$4,579$2,392
23 years$11,738$9,164$7,078$5,415$4,110$2,070
24 years$11,129$8,586$6,546$4,939$3,694$1,793
25 years$10,570$8,057$6,062$4,510$3,324$1,554
26 years$10,055$7,573$5,623$4,124$2,994$1,348
27 years$9,579$7,127$5,221$3,775$2,700$1,170
28 years$9,138$6,716$4,854$3,459$2,436$1,016
29 years$8,728$6,335$4,517$3,172$2,200$883
30 years$8,346$5,983$4,207$2,911$1,988$767
31 years$7,989$5,656$3,922$2,673$1,797$667
32 years$7,655$5,352$3,660$2,457$1,625$580
33 years$7,342$5,068$3,417$2,259$1,471$504
34 years$7,049$4,803$3,193$2,079$1,332$439
35 years$6,772$4,556$2,985$1,914$1,206$382
36 years$6,512$4,324$2,792$1,762$1,093$332
37 years$6,266$4,107$2,614$1,624$991$289
38 years$6,034$3,903$2,447$1,497$898$252
39 years$5,814$3,712$2,293$1,380$814$219
40 years$5,605$3,531$2,149$1,273$739$191
41 years$5,408$3,361$2,015$1,174$670$166
42 years$5,220$3,201$1,890$1,084$608$144
43 years$5,041$3,050$1,774$1,000$552$126
44 years$4,871$2,907$1,665$924$501$110
45 years$4,709$2,773$1,563$853$455$95
46 years$4,555$2,645$1,468$788$413$83
47 years$4,408$2,524$1,380$728$375$72
48 years$4,267$2,410$1,296$673$341$63
49 years$4,132$2,301$1,219$622$309$55
50 years$4,003$2,198$1,146$575$281$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $4,100,000, adding $3,455 every year, while hoping to spend $34,279 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: 50/26/24 Blend
44$4,100,000$4,100,000$4,100,000$4,100,000
45$4,521,764$4,304,464$4,240,914$4,717,152
46$4,946,511$4,478,910$4,346,512$5,027,832
47$5,413,434$4,660,755$4,454,499$5,361,571
48$5,926,798$4,850,326$4,564,918$5,723,611
49$6,491,302$5,047,963$4,677,813$6,116,647
50$7,112,125$5,254,023$4,793,230$6,543,640
51$7,794,971$5,468,879$4,911,213$7,007,846
52$8,546,126$5,692,922$5,031,807$7,512,846
53$9,372,515$5,926,560$5,155,056$8,062,578
54$10,281,768$6,170,218$5,281,007$8,661,376
55$11,282,292$6,424,342$5,409,705$9,314,002
56$12,383,352$6,689,401$5,541,195$10,025,702
57$13,595,152$6,965,880$5,675,524$10,802,242
58$14,928,941$7,254,291$5,812,737$11,649,971
59$16,397,108$7,555,167$5,952,880$12,575,873
60$18,013,310$7,869,067$6,095,997$13,587,636
61$19,792,590$8,196,574$6,242,136$14,693,719
62$21,751,528$8,538,299$6,391,341$15,903,436
63$23,908,390$8,894,882$6,543,658$17,227,038
64$26,283,306$9,266,991$6,699,130$18,675,808
65$28,898,455$9,655,326$6,857,803$20,262,171
66$31,778,279$10,060,618$7,019,720$21,999,804
67$34,949,708$10,483,633$7,184,926$23,903,765
68$38,442,419$10,925,172$7,353,462$25,990,637
69$42,289,114$11,386,074$7,525,371$28,278,675
70$46,525,827$11,867,215$7,700,694$30,787,986
71$51,192,266$12,369,514$7,879,473$33,540,709
72$56,332,188$12,893,930$8,061,746$36,561,225
73$61,993,808$13,441,470$8,247,551$39,876,386
74$68,230,260$14,013,185$8,436,927$43,515,763
75$75,100,091$14,610,176$8,629,909$47,511,928
76$82,667,822$15,233,595$8,826,532$51,900,752
77$91,004,547$15,884,649$9,026,829$56,721,747
78$100,188,614$16,564,600$9,230,830$62,018,433
79$110,306,356$17,274,769$9,438,567$67,838,750
80$121,452,911$18,016,539$9,650,065$74,235,502
81$133,733,116$18,791,358$9,865,351$81,266,855
82$147,262,501$19,600,741$10,084,447$88,996,886
83$162,168,373$20,446,275$10,307,373$97,496,179
84$178,591,026$21,329,621$10,534,149$106,842,494
85$196,685,056$22,252,518$10,764,788$117,121,491
86$216,620,825$23,216,785$10,999,302$128,427,539
87$238,586,071$24,224,329$11,237,700$140,864,605
88$262,787,674$25,277,145$11,479,987$154,547,224
89$289,453,615$26,377,323$11,726,165$169,601,585
90$318,835,121$27,527,050$11,976,229$186,166,711
91$351,209,045$28,728,616$12,230,174$204,395,769
92$386,880,469$29,984,421$12,487,987$224,457,513
93$426,185,595$31,296,975$12,749,652$246,537,870
94$469,494,907$32,668,909$13,015,147$270,841,690
95$517,216,679$34,102,976$13,284,446$297,594,676
96$569,800,820$35,602,062$13,557,514$327,045,507
97$627,743,127$37,169,186$13,834,314$359,468,182
98$691,589,961$38,807,511$14,114,799$395,164,597
99$761,943,409$40,520,352$14,398,917$434,467,393
100$839,466,964$42,311,176$14,686,608$477,743,087