Can I retire at age 45 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$429,411$425,586$421,854$418,212$414,655$408,796
2 years$212,580$208,621$204,784$201,063$197,455$191,563
3 years$140,312$136,336$132,509$128,823$125,274$119,533
4 years$104,185$100,221$96,432$92,810$89,346$83,800
5 years$82,515$78,575$74,835$71,287$67,919$62,584
6 years$68,073$64,162$60,478$57,009$53,742$48,625
7 years$57,761$53,883$50,258$46,870$43,707$38,808
8 years$50,031$46,188$42,622$39,318$36,259$31,579
9 years$44,021$40,215$36,711$33,490$30,535$26,071
10 years$39,217$35,447$32,005$28,869$26,018$21,766
11 years$35,288$31,557$28,177$25,125$22,376$18,334
12 years$32,017$28,324$25,006$22,038$19,391$15,552
13 years$29,251$25,596$22,341$19,456$16,909$13,269
14 years$26,882$23,266$20,074$17,271$14,822$11,376
15 years$24,831$21,254$18,124$15,403$13,051$9,791
16 years$23,038$19,500$16,432$13,791$11,534$8,456
17 years$21,458$17,959$14,953$12,391$10,227$7,323
18 years$20,054$16,595$13,650$11,167$9,093$6,357
19 years$18,800$15,380$12,496$10,090$8,105$5,530
20 years$17,673$14,292$11,468$9,139$7,240$4,819
21 years$16,655$13,312$10,548$8,294$6,479$4,206
22 years$15,730$12,427$9,722$7,541$5,807$3,676
23 years$14,887$11,622$8,976$6,868$5,213$3,216
24 years$14,115$10,889$8,302$6,264$4,686$2,816
25 years$13,406$10,219$7,689$5,721$4,216$2,468
26 years$12,753$9,604$7,131$5,231$3,798$2,165
27 years$12,149$9,039$6,622$4,788$3,424$1,901
28 years$11,590$8,517$6,156$4,387$3,090$1,669
29 years$11,070$8,035$5,729$4,023$2,790$1,467
30 years$10,585$7,588$5,336$3,692$2,521$1,289
31 years$10,133$7,173$4,975$3,391$2,279$1,134
32 years$9,709$6,787$4,641$3,116$2,062$997
33 years$9,312$6,428$4,334$2,865$1,866$878
34 years$8,940$6,092$4,049$2,636$1,689$772
35 years$8,589$5,778$3,786$2,427$1,530$680
36 years$8,259$5,484$3,541$2,235$1,386$599
37 years$7,947$5,209$3,315$2,059$1,256$527
38 years$7,652$4,950$3,104$1,898$1,139$464
39 years$7,373$4,707$2,908$1,750$1,033$409
40 years$7,109$4,479$2,726$1,614$937$361
41 years$6,859$4,263$2,556$1,489$850$318
42 years$6,620$4,060$2,398$1,375$771$280
43 years$6,394$3,869$2,250$1,269$700$247
44 years$6,178$3,688$2,112$1,172$635$217
45 years$5,973$3,516$1,983$1,082$577$192
46 years$5,777$3,354$1,862$999$524$169
47 years$5,590$3,201$1,750$923$476$149
48 years$5,411$3,056$1,644$853$432$131
49 years$5,241$2,918$1,545$789$392$116
50 years$5,077$2,788$1,453$729$356$102

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $5,200,000, adding $2,625 every year, while hoping to spend $41,223 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: 54/21/25 Blend
44$5,200,000$5,200,000$5,200,000$5,200,000
45$5,733,108$5,457,508$5,376,908$6,002,951
46$6,274,024$5,681,065$5,513,173$6,412,728
47$6,868,732$5,914,194$5,652,622$6,854,115
48$7,522,674$6,157,322$5,795,317$7,333,796
49$8,241,850$6,410,893$5,941,322$7,855,455
50$9,032,864$6,675,373$6,090,703$8,423,142
51$9,902,998$6,951,248$6,243,523$9,041,314
52$10,860,272$7,239,027$6,399,849$9,714,873
53$11,913,524$7,539,244$6,559,749$10,449,214
54$13,072,491$7,852,455$6,723,288$11,250,270
55$14,347,902$8,179,242$6,890,535$12,124,573
56$15,751,579$8,520,215$7,061,558$13,079,309
57$17,296,546$8,876,012$7,236,427$14,122,387
58$18,997,157$9,247,300$7,415,210$15,262,514
59$20,869,226$9,634,776$7,597,978$16,509,272
60$22,930,178$10,039,171$7,784,802$17,873,211
61$25,199,214$10,461,248$7,975,750$19,365,942
62$27,697,492$10,901,807$8,170,896$21,000,251
63$30,448,325$11,361,685$8,370,310$22,790,213
64$33,477,402$11,841,755$8,574,063$24,751,329
65$36,813,030$12,342,934$8,782,227$26,900,662
66$40,486,402$12,866,181$8,994,875$29,257,004
67$44,531,888$13,412,498$9,212,077$31,841,050
68$48,987,365$13,982,934$9,433,905$34,675,586
69$53,894,566$14,578,588$9,660,431$37,785,710
70$59,299,483$15,200,609$9,891,726$41,199,062
71$65,252,792$15,850,201$10,127,861$44,946,082
72$71,810,339$16,528,623$10,368,907$49,060,298
73$79,033,662$17,237,194$10,614,933$53,578,639
74$86,990,571$17,977,292$10,866,009$58,541,780
75$95,755,793$18,750,363$11,122,204$63,994,525
76$105,411,671$19,557,918$11,383,585$69,986,226
77$116,048,945$20,401,540$11,650,219$76,571,247
78$127,767,608$21,282,885$11,922,172$83,809,472
79$140,677,847$22,203,690$12,199,508$91,766,873
80$154,901,085$23,165,769$12,482,289$100,516,121
81$170,571,128$24,171,024$12,770,578$110,137,277
82$187,835,425$25,221,445$13,064,434$120,718,539
83$206,856,460$26,319,118$13,363,914$132,357,072
84$227,813,288$27,466,224$13,669,075$145,159,924
85$250,903,223$28,665,048$13,979,968$159,245,030
86$276,343,700$29,917,984$14,296,645$174,742,321
87$304,374,329$31,227,536$14,619,154$191,794,949
88$335,259,154$32,596,329$14,947,540$210,560,632
89$369,289,149$34,027,111$15,281,843$231,213,139
90$406,784,960$35,522,757$15,622,103$253,943,924
91$448,099,936$37,086,282$15,968,354$278,963,930
92$493,623,462$38,720,842$16,320,625$306,505,576
93$543,784,632$40,429,741$16,678,944$336,824,944
94$599,056,308$42,216,441$17,043,331$370,204,191
95$659,959,571$44,084,567$17,413,803$406,954,207
96$727,068,653$46,037,916$17,790,371$447,417,543
97$801,016,346$48,080,465$18,173,039$491,971,643
98$882,499,986$50,216,380$18,561,808$541,032,391
99$972,288,025$52,450,023$18,956,670$595,058,040
100$1,071,227,295$54,785,966$19,357,610$654,553,526