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%15%
1 years$429,411$425,586$421,854$418,212$414,655$406,117
2 years$212,580$208,621$204,784$201,063$197,455$188,892
3 years$140,312$136,336$132,509$128,823$125,274$116,952
4 years$104,185$100,221$96,432$92,810$89,346$81,331
5 years$82,515$78,575$74,835$71,287$67,919$60,233
6 years$68,073$64,162$60,478$57,009$53,742$46,394
7 years$57,761$53,883$50,258$46,870$43,707$36,697
8 years$50,031$46,188$42,622$39,318$36,259$29,586
9 years$44,021$40,215$36,711$33,490$30,535$24,194
10 years$39,217$35,447$32,005$28,869$26,018$20,002
11 years$35,288$31,557$28,177$25,125$22,376$16,679
12 years$32,017$28,324$25,006$22,038$19,391$14,003
13 years$29,251$25,596$22,341$19,456$16,909$11,822
14 years$26,882$23,266$20,074$17,271$14,822$10,026
15 years$24,831$21,254$18,124$15,403$13,051$8,535
16 years$23,038$19,500$16,432$13,791$11,534$7,289
17 years$21,458$17,959$14,953$12,391$10,227$6,241
18 years$20,054$16,595$13,650$11,167$9,093$5,355
19 years$18,800$15,380$12,496$10,090$8,105$4,604
20 years$17,673$14,292$11,468$9,139$7,240$3,964
21 years$16,655$13,312$10,548$8,294$6,479$3,418
22 years$15,730$12,427$9,722$7,541$5,807$2,951
23 years$14,887$11,622$8,976$6,868$5,213$2,550
24 years$14,115$10,889$8,302$6,264$4,686$2,205
25 years$13,406$10,219$7,689$5,721$4,216$1,909
26 years$12,753$9,604$7,131$5,231$3,798$1,653
27 years$12,149$9,039$6,622$4,788$3,424$1,432
28 years$11,590$8,517$6,156$4,387$3,090$1,242
29 years$11,070$8,035$5,729$4,023$2,790$1,077
30 years$10,585$7,588$5,336$3,692$2,521$934
31 years$10,133$7,173$4,975$3,391$2,279$811
32 years$9,709$6,787$4,641$3,116$2,062$704
33 years$9,312$6,428$4,334$2,865$1,866$611
34 years$8,940$6,092$4,049$2,636$1,689$531
35 years$8,589$5,778$3,786$2,427$1,530$461
36 years$8,259$5,484$3,541$2,235$1,386$400
37 years$7,947$5,209$3,315$2,059$1,256$348
38 years$7,652$4,950$3,104$1,898$1,139$302
39 years$7,373$4,707$2,908$1,750$1,033$263
40 years$7,109$4,479$2,726$1,614$937$228
41 years$6,859$4,263$2,556$1,489$850$198
42 years$6,620$4,060$2,398$1,375$771$172
43 years$6,394$3,869$2,250$1,269$700$150
44 years$6,178$3,688$2,112$1,172$635$130
45 years$5,973$3,516$1,983$1,082$577$113
46 years$5,777$3,354$1,862$999$524$98
47 years$5,590$3,201$1,750$923$476$86
48 years$5,411$3,056$1,644$853$432$74
49 years$5,241$2,918$1,545$789$392$65
50 years$5,077$2,788$1,453$729$356$56

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 $5,764 every year, while hoping to spend $48,031 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: 88/6/6 Blend
44$5,200,000$5,200,000$5,200,000$5,200,000
45$5,736,346$5,460,746$5,380,146$6,239,638
46$6,270,348$5,677,217$5,509,276$6,784,527
47$6,857,209$5,902,687$5,641,122$7,376,161
48$7,502,270$6,137,543$5,775,725$8,025,001
49$8,211,414$6,382,195$5,913,124$8,736,781
50$8,991,123$6,637,068$6,053,359$9,517,817
51$9,848,541$6,902,608$6,196,470$10,375,066
52$10,791,535$7,179,279$6,342,495$11,316,191
53$11,828,776$7,467,568$6,491,473$12,349,633
54$12,969,816$7,767,983$6,643,441$13,484,688
55$14,225,178$8,081,055$6,798,437$14,731,600
56$15,606,459$8,407,340$6,956,498$16,101,650
57$17,126,435$8,747,417$7,117,658$17,607,268
58$18,799,185$9,101,894$7,281,953$19,262,147
59$20,640,220$9,471,405$7,449,417$21,081,372
60$22,666,631$9,856,612$7,620,081$23,081,560
61$24,897,251$10,258,210$7,793,977$25,281,021
62$27,352,831$10,676,922$7,971,135$27,699,927
63$30,056,236$11,113,507$8,151,585$30,360,499
64$33,032,660$11,568,758$8,335,351$33,287,224
65$36,309,867$12,043,503$8,522,461$36,507,078
66$39,918,447$12,538,608$8,712,937$40,049,782
67$43,892,109$13,054,980$8,906,801$43,948,086
68$48,267,996$13,593,566$9,104,071$48,238,071
69$53,087,040$14,155,359$9,304,765$52,959,492
70$58,394,340$14,741,394$9,508,897$58,156,154
71$64,239,597$15,352,756$9,716,479$63,876,322
72$70,677,574$15,990,579$9,927,519$70,173,177
73$77,768,619$16,656,050$10,142,024$77,105,317
74$85,579,232$17,350,410$10,359,995$84,737,308
75$94,182,691$18,074,958$10,581,432$93,140,296
76$103,659,746$18,831,051$10,806,331$102,392,674
77$114,099,378$19,620,111$11,034,681$112,580,822
78$125,599,643$20,443,624$11,266,471$123,799,923
79$138,268,592$21,303,147$11,501,683$136,154,858
80$152,225,294$22,200,307$11,740,295$149,761,197
81$167,600,958$23,136,807$11,982,280$164,746,288
82$184,540,174$24,114,428$12,227,604$181,250,457
83$203,202,273$25,135,037$12,476,230$199,428,335
84$223,762,835$26,200,584$12,728,114$219,450,311
85$246,415,343$27,313,111$12,983,205$241,504,143
86$271,373,011$28,474,757$13,241,445$265,796,729
87$298,870,795$29,687,757$13,502,771$292,556,059
88$329,167,612$30,954,452$13,767,109$322,033,361
89$362,548,782$32,277,294$14,034,381$354,505,478
90$399,328,723$33,658,846$14,304,497$390,277,477
91$439,853,916$35,101,793$14,577,362$429,685,525
92$484,506,180$36,608,945$14,852,868$473,100,064
93$533,706,270$38,183,244$15,130,898$520,929,305
94$587,917,854$39,827,767$15,411,328$573,623,081
95$647,651,886$41,545,738$15,694,018$631,677,091
96$713,471,431$43,340,533$15,978,821$695,637,575
97$785,996,980$45,215,682$16,265,574$766,106,473
98$865,912,306$47,174,884$16,554,105$843,747,105
99$953,970,920$49,222,012$16,844,226$929,290,428
100$1,051,003,182$51,361,119$17,135,737$1,023,541,936