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%13.1%
1 years$429,411$425,586$421,854$418,212$414,655$409,304
2 years$212,580$208,621$204,784$201,063$197,455$192,071
3 years$140,312$136,336$132,509$128,823$125,274$120,025
4 years$104,185$100,221$96,432$92,810$89,346$84,273
5 years$82,515$78,575$74,835$71,287$67,919$63,036
6 years$68,073$64,162$60,478$57,009$53,742$49,055
7 years$57,761$53,883$50,258$46,870$43,707$39,217
8 years$50,031$46,188$42,622$39,318$36,259$31,967
9 years$44,021$40,215$36,711$33,490$30,535$26,439
10 years$39,217$35,447$32,005$28,869$26,018$22,113
11 years$35,288$31,557$28,177$25,125$22,376$18,661
12 years$32,017$28,324$25,006$22,038$19,391$15,860
13 years$29,251$25,596$22,341$19,456$16,909$13,558
14 years$26,882$23,266$20,074$17,271$14,822$11,647
15 years$24,831$21,254$18,124$15,403$13,051$10,045
16 years$23,038$19,500$16,432$13,791$11,534$8,693
17 years$21,458$17,959$14,953$12,391$10,227$7,544
18 years$20,054$16,595$13,650$11,167$9,093$6,564
19 years$18,800$15,380$12,496$10,090$8,105$5,722
20 years$17,673$14,292$11,468$9,139$7,240$4,998
21 years$16,655$13,312$10,548$8,294$6,479$4,372
22 years$15,730$12,427$9,722$7,541$5,807$3,829
23 years$14,887$11,622$8,976$6,868$5,213$3,358
24 years$14,115$10,889$8,302$6,264$4,686$2,948
25 years$13,406$10,219$7,689$5,721$4,216$2,590
26 years$12,753$9,604$7,131$5,231$3,798$2,277
27 years$12,149$9,039$6,622$4,788$3,424$2,003
28 years$11,590$8,517$6,156$4,387$3,090$1,764
29 years$11,070$8,035$5,729$4,023$2,790$1,553
30 years$10,585$7,588$5,336$3,692$2,521$1,369
31 years$10,133$7,173$4,975$3,391$2,279$1,207
32 years$9,709$6,787$4,641$3,116$2,062$1,064
33 years$9,312$6,428$4,334$2,865$1,866$939
34 years$8,940$6,092$4,049$2,636$1,689$828
35 years$8,589$5,778$3,786$2,427$1,530$731
36 years$8,259$5,484$3,541$2,235$1,386$645
37 years$7,947$5,209$3,315$2,059$1,256$570
38 years$7,652$4,950$3,104$1,898$1,139$503
39 years$7,373$4,707$2,908$1,750$1,033$444
40 years$7,109$4,479$2,726$1,614$937$393
41 years$6,859$4,263$2,556$1,489$850$347
42 years$6,620$4,060$2,398$1,375$771$306
43 years$6,394$3,869$2,250$1,269$700$271
44 years$6,178$3,688$2,112$1,172$635$239
45 years$5,973$3,516$1,983$1,082$577$211
46 years$5,777$3,354$1,862$999$524$187
47 years$5,590$3,201$1,750$923$476$165
48 years$5,411$3,056$1,644$853$432$146
49 years$5,241$2,918$1,545$789$392$129
50 years$5,077$2,788$1,453$729$356$114

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 $5,634 every year, while hoping to spend $52,551 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: 76/8/16 Blend
44$5,200,000$5,200,000$5,200,000$5,200,000
45$5,736,211$5,460,611$5,380,011$6,151,581
46$6,265,391$5,672,268$5,504,328$6,638,456
47$6,846,786$5,892,534$5,631,048$7,164,978
48$7,485,666$6,121,776$5,760,196$7,740,804
49$8,187,838$6,360,377$5,891,797$8,370,835
50$8,959,699$6,608,736$6,025,873$9,060,465
51$9,808,295$6,867,272$6,162,447$9,815,635
52$10,741,392$7,136,418$6,301,539$10,642,887
53$11,767,543$7,416,632$6,443,170$11,549,429
54$12,896,173$7,708,387$6,587,356$12,543,196
55$14,137,666$8,012,182$6,734,116$13,632,929
56$15,503,462$8,328,533$6,883,464$14,828,258
57$17,006,169$8,657,985$7,035,413$16,139,787
58$18,659,674$9,001,102$7,189,976$17,579,198
59$20,479,281$9,358,476$7,347,160$19,159,360
60$22,481,852$9,730,726$7,506,974$20,894,449
61$24,685,967$10,118,497$7,669,424$22,800,079
62$27,112,096$10,522,465$7,834,510$24,893,454
63$29,782,798$10,943,334$8,002,235$27,193,526
64$32,722,927$11,381,841$8,172,593$29,721,172
65$35,959,872$11,838,757$8,345,581$32,499,395
66$39,523,810$12,314,887$8,521,189$35,553,535
67$43,447,994$12,811,072$8,699,405$38,911,512
68$47,769,067$13,328,193$8,880,213$42,604,085
69$52,527,405$13,867,167$9,063,593$46,665,146
70$57,767,500$14,428,957$9,249,522$51,132,032
71$63,538,376$15,014,567$9,437,972$56,045,884
72$69,894,057$15,625,048$9,628,911$61,452,032
73$76,894,073$16,261,497$9,822,302$67,400,417
74$84,604,021$16,925,064$10,018,102$73,946,070
75$93,096,187$17,616,947$10,216,264$81,149,624
76$102,450,224$18,338,404$10,416,734$89,077,887
77$112,753,907$19,090,746$10,619,455$97,804,474
78$124,103,959$19,875,346$10,824,361$107,410,496
79$136,606,964$20,693,640$11,031,379$117,985,330
80$150,380,375$21,547,129$11,240,430$129,627,456
81$165,553,619$22,437,383$11,451,430$142,445,390
82$182,269,318$23,366,045$11,664,283$156,558,706
83$200,684,639$24,334,831$11,878,887$172,099,160
84$220,972,774$25,345,540$12,095,131$189,211,938
85$243,324,575$26,400,050$12,312,897$208,057,019
86$267,950,357$27,500,327$12,532,053$228,810,691
87$295,081,878$28,648,428$12,752,462$251,667,207
88$324,974,533$29,846,504$12,973,973$276,840,620
89$357,909,759$31,096,807$13,196,425$304,566,803
90$394,197,695$32,401,691$13,419,646$335,105,673
91$434,180,106$33,763,620$13,643,450$368,743,642
92$478,233,612$35,185,172$13,867,641$405,796,320
93$526,773,240$36,669,046$14,092,006$446,611,494
94$580,256,344$38,218,062$14,316,322$491,572,406
95$639,186,920$39,835,176$14,540,348$541,101,373
96$704,120,364$41,523,478$14,763,828$595,663,767
97$775,668,716$43,286,203$14,986,490$655,772,410
98$854,506,433$45,126,736$15,208,046$721,992,413
99$941,376,763$47,048,619$15,428,189$794,946,505
100$1,037,098,752$49,055,560$15,646,593$875,320,914