Can I retire at age 46?

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 $1,000,000

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
1%2%3%4%5%6%7%8%9%10%
1 years$82,954$82,579$82,209$81,843$81,482$81,126$80,774$80,425$80,081$79,741
2 years$41,271$40,881$40,497$40,119$39,748$39,381$39,021$38,666$38,316$37,972
3 years$27,377$26,983$26,597$26,218$25,847$25,482$25,125$24,774$24,429$24,091
4 years$20,430$20,036$19,650$19,273$18,905$18,545$18,192$17,848$17,511$17,182
5 years$16,262$15,868$15,484$15,111$14,746$14,391$14,046$13,709$13,381$13,061
6 years$13,484$13,091$12,709$12,339$11,979$11,630$11,292$10,963$10,644$10,335
7 years$11,500$11,108$10,729$10,362$10,008$9,665$9,334$9,013$8,704$8,405
8 years$10,012$9,621$9,245$8,882$8,533$8,197$7,873$7,561$7,261$6,973
9 years$8,855$8,466$8,092$7,734$7,390$7,060$6,743$6,440$6,150$5,872
10 years$7,929$7,542$7,171$6,817$6,478$6,155$5,846$5,552$5,271$5,003
11 years$7,172$6,786$6,419$6,069$5,735$5,419$5,118$4,832$4,560$4,303
12 years$6,541$6,157$5,793$5,447$5,119$4,809$4,515$4,238$3,976$3,729
13 years$6,007$5,625$5,264$4,922$4,600$4,296$4,010$3,742$3,489$3,252
14 years$5,550$5,170$4,811$4,474$4,158$3,860$3,582$3,321$3,078$2,850
15 years$5,153$4,775$4,420$4,087$3,776$3,485$3,214$2,962$2,727$2,510
16 years$4,807$4,430$4,078$3,750$3,444$3,160$2,896$2,652$2,426$2,218
17 years$4,501$4,126$3,778$3,454$3,153$2,875$2,619$2,383$2,166$1,967
18 years$4,229$3,857$3,511$3,191$2,896$2,625$2,376$2,148$1,939$1,749
19 years$3,986$3,615$3,273$2,958$2,668$2,403$2,161$1,940$1,740$1,559
20 years$3,767$3,399$3,059$2,748$2,464$2,205$1,970$1,757$1,565$1,392
21 years$3,570$3,203$2,867$2,560$2,281$2,029$1,800$1,595$1,411$1,246
22 years$3,390$3,025$2,692$2,390$2,116$1,870$1,648$1,450$1,274$1,117
23 years$3,226$2,863$2,533$2,235$1,967$1,726$1,512$1,321$1,152$1,002
24 years$3,075$2,714$2,388$2,094$1,831$1,596$1,388$1,205$1,043$901
25 years$2,937$2,578$2,255$1,965$1,707$1,479$1,277$1,100$945$811
26 years$2,810$2,453$2,132$1,847$1,594$1,371$1,176$1,006$858$730
27 years$2,691$2,336$2,019$1,738$1,490$1,273$1,084$921$780$658
28 years$2,582$2,229$1,915$1,638$1,395$1,184$1,001$844$709$594
29 years$2,480$2,129$1,818$1,545$1,307$1,102$925$774$645$537
30 years$2,385$2,036$1,728$1,459$1,226$1,026$855$710$588$485

Sample Expected Returns by Investment Class

Person retiring at age 46 starting with $1,000,000, adding $4,594 every year, while hoping to spend $62,093 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: 50/30/20 Blend
45$1,000,000$1,000,000$1,000,000$1,000,000
46$1,106,739$1,053,739$1,038,239$1,155,685
47$1,153,560$1,039,305$1,006,953$1,175,601
48$1,203,075$1,022,084$972,539$1,190,502
49$1,255,495$1,001,872$934,824$1,205,384
50$1,311,047$978,455$893,633$1,220,270
51$1,369,981$951,607$848,777$1,235,187
52$1,432,570$921,087$800,062$1,250,171
53$1,499,114$886,642$747,286$1,265,263
54$1,569,938$848,002$690,234$1,280,517
55$1,645,401$804,883$628,686$1,295,992
56$1,725,893$756,984$562,409$1,311,763
57$1,811,845$703,987$491,160$1,327,917
58$1,903,726$645,555$414,687$1,344,553
59$2,002,052$581,333$332,725$1,361,790
60$2,107,388$510,944$244,997$1,379,764
61$2,220,353$433,992$151,216$1,398,632
62$2,341,628$350,057$51,081$1,418,575
63$2,471,959$258,695$0$1,439,799
64$2,612,166$159,438$0$1,474,446
65$2,763,148$51,792$0$1,523,287
66$2,925,893$0$0$1,575,791
67$3,101,487$0$0$1,653,761
68$3,291,122$0$0$1,756,512
69$3,496,107$0$0$1,867,667
70$3,717,884$0$0$1,988,017
71$3,958,036$0$0$2,118,434
72$4,218,302$0$0$2,259,873
73$4,500,596$0$0$2,413,389
74$4,807,023$0$0$2,580,137
75$5,139,898$0$0$2,761,392
76$5,501,766$0$0$2,958,555
77$5,895,430$0$0$3,173,167
78$6,323,970$0$0$3,406,923
79$6,790,778$0$0$3,661,691
80$7,299,587$0$0$3,939,523
81$7,854,503$0$0$4,242,682
82$8,460,046$0$0$4,573,654
83$9,121,193$0$0$4,935,179
84$9,843,421$0$0$5,330,273
85$10,632,759$0$0$5,762,255
86$11,495,848$0$0$6,234,780
87$12,439,996$0$0$6,751,873
88$13,473,252$0$0$7,317,966
89$14,604,477$0$0$7,937,939
90$15,843,431$0$0$8,617,165
91$17,200,862$0$0$9,361,564
92$18,688,605$0$0$10,177,653
93$20,319,695$0$0$11,072,611
94$22,108,489$0$0$12,054,345
95$24,070,800$0$0$13,131,564
96$26,224,045$0$0$14,313,861
97$28,587,409$0$0$15,611,804
98$31,182,023$0$0$17,037,031
99$34,031,168$0$0$18,602,365
100$37,160,485$0$0$20,321,931
Retirement Simulation By Amount
$1,000$2,000$3,000$4,000$5,000$6,000$7,000$8,000$9,000$10,000
$11,000$12,000$13,000$14,000$15,000$16,000$17,000$18,000$19,000$20,000
$21,000$22,000$23,000$24,000$25,000$26,000$27,000$28,000$29,000$30,000
$31,000$32,000$33,000$34,000$35,000$36,000$37,000$38,000$39,000$40,000
$41,000$42,000$43,000$44,000$45,000$46,000$47,000$48,000$49,000$50,000
$51,000$52,000$53,000$54,000$55,000$56,000$57,000$58,000$59,000$60,000
$61,000$62,000$63,000$64,000$65,000$66,000$67,000$68,000$69,000$70,000
$71,000$72,000$73,000$74,000$75,000$76,000$77,000$78,000$79,000$80,000
$81,000$82,000$83,000$84,000$85,000$86,000$87,000$88,000$89,000$90,000
$91,000$92,000$93,000$94,000$95,000$96,000$97,000$98,000$99,000$100,000
$101,000$102,000$103,000$104,000$105,000$106,000$107,000$108,000$109,000$110,000
$111,000$112,000$113,000$114,000$115,000$116,000$117,000$118,000$119,000$120,000
$121,000$122,000$123,000$124,000$125,000$126,000$127,000$128,000$129,000$130,000
$131,000$132,000$133,000$134,000$135,000$136,000$137,000$138,000$139,000$140,000
$141,000$142,000$143,000$144,000$145,000$146,000$147,000$148,000$149,000$150,000
$151,000$152,000$153,000$154,000$155,000$156,000$157,000$158,000$159,000$160,000
$161,000$162,000$163,000$164,000$165,000$166,000$167,000$168,000$169,000$170,000
$171,000$172,000$173,000$174,000$175,000$176,000$177,000$178,000$179,000$180,000
$181,000$182,000$183,000$184,000$185,000$186,000$187,000$188,000$189,000$190,000
$191,000$192,000$193,000$194,000$195,000$196,000$197,000$198,000$199,000$200,000
$201,000$202,000$203,000$204,000$205,000$206,000$207,000$208,000$209,000$210,000
$211,000$212,000$213,000$214,000$215,000$216,000$217,000$218,000$219,000$220,000
$221,000$222,000$223,000$224,000$225,000$226,000$227,000$228,000$229,000$230,000
$231,000$232,000$233,000$234,000$235,000$236,000$237,000$238,000$239,000$240,000
$241,000$242,000$243,000$244,000$245,000$246,000$247,000$248,000$249,000$250,000
$251,000$252,000$253,000$254,000$255,000$256,000$257,000$258,000$259,000$260,000
$261,000$262,000$263,000$264,000$265,000$266,000$267,000$268,000$269,000$270,000
$271,000$272,000$273,000$274,000$275,000$276,000$277,000$278,000$279,000$280,000
$281,000$282,000$283,000$284,000$285,000$286,000$287,000$288,000$289,000$290,000
$291,000$292,000$293,000$294,000$295,000$296,000$297,000$298,000$299,000$300,000
$301,000$302,000$303,000$304,000$305,000$306,000$307,000$308,000$309,000$310,000
$311,000$312,000$313,000$314,000$315,000$316,000$317,000$318,000$319,000$320,000
$321,000$322,000$323,000$324,000$325,000$326,000$327,000$328,000$329,000$330,000
$331,000$332,000$333,000$334,000$335,000$336,000$337,000$338,000$339,000$340,000
$341,000$342,000$343,000$344,000$345,000$346,000$347,000$348,000$349,000$350,000
$351,000$352,000$353,000$354,000$355,000$356,000$357,000$358,000$359,000$360,000
$361,000$362,000$363,000$364,000$365,000$366,000$367,000$368,000$369,000$370,000
$371,000$372,000$373,000$374,000$375,000$376,000$377,000$378,000$379,000$380,000
$381,000$382,000$383,000$384,000$385,000$386,000$387,000$388,000$389,000$390,000
$391,000$392,000$393,000$394,000$395,000$396,000$397,000$398,000$399,000$400,000
$401,000$402,000$403,000$404,000$405,000$406,000$407,000$408,000$409,000$410,000
$411,000$412,000$413,000$414,000$415,000$416,000$417,000$418,000$419,000$420,000
$421,000$422,000$423,000$424,000$425,000$426,000$427,000$428,000$429,000$430,000
$431,000$432,000$433,000$434,000$435,000$436,000$437,000$438,000$439,000$440,000
$441,000$442,000$443,000$444,000$445,000$446,000$447,000$448,000$449,000$450,000
$451,000$452,000$453,000$454,000$455,000$456,000$457,000$458,000$459,000$460,000
$461,000$462,000$463,000$464,000$465,000$466,000$467,000$468,000$469,000$470,000
$471,000$472,000$473,000$474,000$475,000$476,000$477,000$478,000$479,000$480,000
$481,000$482,000$483,000$484,000$485,000$486,000$487,000$488,000$489,000$490,000
$491,000$492,000$493,000$494,000$495,000$496,000$497,000$498,000$499,000$500,000
$501,000$502,000$503,000$504,000$505,000$506,000$507,000$508,000$509,000$510,000
$511,000$512,000$513,000$514,000$515,000$516,000$517,000$518,000$519,000$520,000
$521,000$522,000$523,000$524,000$525,000$526,000$527,000$528,000$529,000$530,000
$531,000$532,000$533,000$534,000$535,000$536,000$537,000$538,000$539,000$540,000
$541,000$542,000$543,000$544,000$545,000$546,000$547,000$548,000$549,000$550,000
$551,000$552,000$553,000$554,000$555,000$556,000$557,000$558,000$559,000$560,000
$561,000$562,000$563,000$564,000$565,000$566,000$567,000$568,000$569,000$570,000
$571,000$572,000$573,000$574,000$575,000$576,000$577,000$578,000$579,000$580,000
$581,000$582,000$583,000$584,000$585,000$586,000$587,000$588,000$589,000$590,000
$591,000$592,000$593,000$594,000$595,000$596,000$597,000$598,000$599,000$600,000
$601,000$602,000$603,000$604,000$605,000$606,000$607,000$608,000$609,000$610,000
$611,000$612,000$613,000$614,000$615,000$616,000$617,000$618,000$619,000$620,000
$621,000$622,000$623,000$624,000$625,000$626,000$627,000$628,000$629,000$630,000
$631,000$632,000$633,000$634,000$635,000$636,000$637,000$638,000$639,000$640,000
$641,000$642,000$643,000$644,000$645,000$646,000$647,000$648,000$649,000$650,000
$651,000$652,000$653,000$654,000$655,000$656,000$657,000$658,000$659,000$660,000
$661,000$662,000$663,000$664,000$665,000$666,000$667,000$668,000$669,000$670,000
$671,000$672,000$673,000$674,000$675,000$676,000$677,000$678,000$679,000$680,000
$681,000$682,000$683,000$684,000$685,000$686,000$687,000$688,000$689,000$690,000
$691,000$692,000$693,000$694,000$695,000$696,000$697,000$698,000$699,000$700,000
$701,000$702,000$703,000$704,000$705,000$706,000$707,000$708,000$709,000$710,000
$711,000$712,000$713,000$714,000$715,000$716,000$717,000$718,000$719,000$720,000
$721,000$722,000$723,000$724,000$725,000$726,000$727,000$728,000$729,000$730,000
$731,000$732,000$733,000$734,000$735,000$736,000$737,000$738,000$739,000$740,000
$741,000$742,000$743,000$744,000$745,000$746,000$747,000$748,000$749,000$750,000
$751,000$752,000$753,000$754,000$755,000$756,000$757,000$758,000$759,000$760,000
$761,000$762,000$763,000$764,000$765,000$766,000$767,000$768,000$769,000$770,000
$771,000$772,000$773,000$774,000$775,000$776,000$777,000$778,000$779,000$780,000
$781,000$782,000$783,000$784,000$785,000$786,000$787,000$788,000$789,000$790,000
$791,000$792,000$793,000$794,000$795,000$796,000$797,000$798,000$799,000$800,000
$801,000$802,000$803,000$804,000$805,000$806,000$807,000$808,000$809,000$810,000
$811,000$812,000$813,000$814,000$815,000$816,000$817,000$818,000$819,000$820,000
$821,000$822,000$823,000$824,000$825,000$826,000$827,000$828,000$829,000$830,000
$831,000$832,000$833,000$834,000$835,000$836,000$837,000$838,000$839,000$840,000
$841,000$842,000$843,000$844,000$845,000$846,000$847,000$848,000$849,000$850,000
$851,000$852,000$853,000$854,000$855,000$856,000$857,000$858,000$859,000$860,000
$861,000$862,000$863,000$864,000$865,000$866,000$867,000$868,000$869,000$870,000
$871,000$872,000$873,000$874,000$875,000$876,000$877,000$878,000$879,000$880,000
$881,000$882,000$883,000$884,000$885,000$886,000$887,000$888,000$889,000$890,000
$891,000$892,000$893,000$894,000$895,000$896,000$897,000$898,000$899,000$900,000
$901,000$902,000$903,000$904,000$905,000$906,000$907,000$908,000$909,000$910,000
$911,000$912,000$913,000$914,000$915,000$916,000$917,000$918,000$919,000$920,000
$921,000$922,000$923,000$924,000$925,000$926,000$927,000$928,000$929,000$930,000
$931,000$932,000$933,000$934,000$935,000$936,000$937,000$938,000$939,000$940,000
$941,000$942,000$943,000$944,000$945,000$946,000$947,000$948,000$949,000$950,000
$951,000$952,000$953,000$954,000$955,000$956,000$957,000$958,000$959,000$960,000
$961,000$962,000$963,000$964,000$965,000$966,000$967,000$968,000$969,000$970,000
$971,000$972,000$973,000$974,000$975,000$976,000$977,000$978,000$979,000$980,000
$981,000$982,000$983,000$984,000$985,000$986,000$987,000$988,000$989,000$990,000
$991,000$992,000$993,000$994,000$995,000$996,000$997,000$998,000$999,000$1,000,000
$1,010,000$1,020,000$1,030,000$1,040,000$1,050,000$1,060,000$1,070,000$1,080,000$1,090,000$1,100,000
$1,110,000$1,120,000$1,130,000$1,140,000$1,150,000$1,160,000$1,170,000$1,180,000$1,190,000$1,200,000
$1,210,000$1,220,000$1,230,000$1,240,000$1,250,000$1,260,000$1,270,000$1,280,000$1,290,000$1,300,000
$1,310,000$1,320,000$1,330,000$1,340,000$1,350,000$1,360,000$1,370,000$1,380,000$1,390,000$1,400,000
$1,410,000$1,420,000$1,430,000$1,440,000$1,450,000$1,460,000$1,470,000$1,480,000$1,490,000$1,500,000
$1,510,000$1,520,000$1,530,000$1,540,000$1,550,000$1,560,000$1,570,000$1,580,000$1,590,000$1,600,000
$1,610,000$1,620,000$1,630,000$1,640,000$1,650,000$1,660,000$1,670,000$1,680,000$1,690,000$1,700,000
$1,710,000$1,720,000$1,730,000$1,740,000$1,750,000$1,760,000$1,770,000$1,780,000$1,790,000$1,800,000
$1,810,000$1,820,000$1,830,000$1,840,000$1,850,000$1,860,000$1,870,000$1,880,000$1,890,000$1,900,000
$1,910,000$1,920,000$1,930,000$1,940,000$1,950,000$1,960,000$1,970,000$1,980,000$1,990,000$2,000,000
$2,010,000$2,020,000$2,030,000$2,040,000$2,050,000$2,060,000$2,070,000$2,080,000$2,090,000$2,100,000
$2,110,000$2,120,000$2,130,000$2,140,000$2,150,000$2,160,000$2,170,000$2,180,000$2,190,000$2,200,000
$2,210,000$2,220,000$2,230,000$2,240,000$2,250,000$2,260,000$2,270,000$2,280,000$2,290,000$2,300,000
$2,310,000$2,320,000$2,330,000$2,340,000$2,350,000$2,360,000$2,370,000$2,380,000$2,390,000$2,400,000
$2,410,000$2,420,000$2,430,000$2,440,000$2,450,000$2,460,000$2,470,000$2,480,000$2,490,000$2,500,000
$2,510,000$2,520,000$2,530,000$2,540,000$2,550,000$2,560,000$2,570,000$2,580,000$2,590,000$2,600,000
$2,610,000$2,620,000$2,630,000$2,640,000$2,650,000$2,660,000$2,670,000$2,680,000$2,690,000$2,700,000
$2,710,000$2,720,000$2,730,000$2,740,000$2,750,000$2,760,000$2,770,000$2,780,000$2,790,000$2,800,000
$2,810,000$2,820,000$2,830,000$2,840,000$2,850,000$2,860,000$2,870,000$2,880,000$2,890,000$2,900,000
$2,910,000$2,920,000$2,930,000$2,940,000$2,950,000$2,960,000$2,970,000$2,980,000$2,990,000$3,000,000
$3,100,000$3,200,000$3,300,000$3,400,000$3,500,000$3,600,000$3,700,000$3,800,000$3,900,000$4,000,000
$4,100,000$4,200,000$4,300,000$4,400,000$4,500,000$4,600,000$4,700,000$4,800,000$4,900,000$5,000,000
$5,100,000$5,200,000$5,300,000$5,400,000$5,500,000$5,600,000$5,700,000$5,800,000$5,900,000$6,000,000
$6,100,000$6,200,000$6,300,000$6,400,000$6,500,000$6,600,000$6,700,000$6,800,000$6,900,000$7,000,000
$7,100,000$7,200,000$7,300,000$7,400,000$7,500,000$7,600,000$7,700,000$7,800,000$7,900,000$8,000,000
$8,100,000$8,200,000$8,300,000$8,400,000$8,500,000$8,600,000$8,700,000$8,800,000$8,900,000$9,000,000
$9,100,000$9,200,000$9,300,000$9,400,000$9,500,000$9,600,000$9,700,000$9,800,000$9,900,000$10,000,000
$10,100,000$10,200,000$10,300,000$10,400,000$10,500,000$10,600,000$10,700,000$10,800,000$10,900,000$11,000,000
$11,100,000$11,200,000$11,300,000$11,400,000$11,500,000$11,600,000$11,700,000$11,800,000$11,900,000$12,000,000
$12,100,000$12,200,000$12,300,000$12,400,000$12,500,000$12,600,000$12,700,000$12,800,000$12,900,000$13,000,000
$13,100,000$13,200,000$13,300,000$13,400,000$13,500,000$13,600,000$13,700,000$13,800,000$13,900,000$14,000,000
$14,100,000$14,200,000$14,300,000$14,400,000$14,500,000$14,600,000$14,700,000$14,800,000$14,900,000$15,000,000
$15,100,000$15,200,000$15,300,000$15,400,000$15,500,000$15,600,000$15,700,000$15,800,000$15,900,000$16,000,000
$16,100,000$16,200,000$16,300,000$16,400,000$16,500,000$16,600,000$16,700,000$16,800,000$16,900,000$17,000,000
$17,100,000$17,200,000$17,300,000$17,400,000$17,500,000$17,600,000$17,700,000$17,800,000$17,900,000$18,000,000
$18,100,000$18,200,000$18,300,000$18,400,000$18,500,000$18,600,000$18,700,000$18,800,000$18,900,000$19,000,000
$19,100,000$19,200,000$19,300,000$19,400,000$19,500,000$19,600,000$19,700,000$19,800,000$19,900,000$20,000,000