Can I retire at age 46 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$144,513$143,226$141,970$140,744$139,547$137,918
2 years$71,541$70,209$68,918$67,666$66,451$64,811
3 years$47,220$45,882$44,594$43,354$42,159$40,560
4 years$35,062$33,728$32,453$31,234$30,068$28,521
5 years$27,769$26,443$25,185$23,991$22,858$21,367
6 years$22,909$21,593$20,353$19,186$18,086$16,655
7 years$19,439$18,134$16,914$15,774$14,709$13,337
8 years$16,837$15,544$14,344$13,232$12,203$10,890
9 years$14,815$13,534$12,355$11,271$10,276$9,023
10 years$13,198$11,929$10,771$9,716$8,756$7,561
11 years$11,876$10,620$9,483$8,455$7,530$6,392
12 years$10,775$9,532$8,416$7,417$6,526$5,443
13 years$9,844$8,614$7,519$6,548$5,691$4,662
14 years$9,047$7,830$6,756$5,812$4,988$4,013
15 years$8,357$7,153$6,099$5,184$4,392$3,468
16 years$7,753$6,563$5,530$4,641$3,882$3,008
17 years$7,221$6,044$5,032$4,170$3,442$2,616
18 years$6,749$5,585$4,594$3,758$3,060$2,281
19 years$6,327$5,176$4,205$3,396$2,728$1,993
20 years$5,948$4,810$3,859$3,076$2,436$1,744
21 years$5,605$4,480$3,550$2,791$2,180$1,529
22 years$5,294$4,182$3,272$2,538$1,954$1,342
23 years$5,010$3,911$3,021$2,311$1,754$1,180
24 years$4,750$3,665$2,794$2,108$1,577$1,038
25 years$4,512$3,439$2,588$1,925$1,419$914
26 years$4,292$3,232$2,400$1,760$1,278$806
27 years$4,089$3,042$2,229$1,611$1,152$711
28 years$3,900$2,866$2,072$1,476$1,040$627
29 years$3,725$2,704$1,928$1,354$939$554
30 years$3,562$2,554$1,796$1,242$848$489
31 years$3,410$2,414$1,674$1,141$767$432
32 years$3,268$2,284$1,562$1,049$694$382
33 years$3,134$2,163$1,458$964$628$338
34 years$3,009$2,050$1,363$887$568$299
35 years$2,891$1,945$1,274$817$515$265
36 years$2,779$1,846$1,192$752$467$234
37 years$2,674$1,753$1,116$693$423$207
38 years$2,575$1,666$1,045$639$383$183
39 years$2,481$1,584$979$589$348$162
40 years$2,393$1,507$917$543$315$144
41 years$2,308$1,435$860$501$286$127
42 years$2,228$1,366$807$463$260$113
43 years$2,152$1,302$757$427$236$100
44 years$2,079$1,241$711$394$214$89
45 years$2,010$1,183$667$364$194$78
46 years$1,944$1,129$627$336$176$70
47 years$1,881$1,077$589$311$160$62
48 years$1,821$1,028$553$287$145$55
49 years$1,764$982$520$265$132$48
50 years$1,709$938$489$245$120$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,750,000, adding $4,723 every year, while hoping to spend $30,372 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: 51/31/18 Blend
45$1,750,000$1,750,000$1,750,000$1,750,000
46$1,933,372$1,840,622$1,813,497$2,022,153
47$2,098,260$1,898,497$1,841,933$2,141,658
48$2,278,949$1,958,189$1,870,305$2,267,973
49$2,477,018$2,019,757$1,898,576$2,404,649
50$2,694,208$2,083,259$1,926,712$2,552,677
51$2,932,433$2,148,755$1,954,673$2,713,147
52$3,193,805$2,216,307$1,982,418$2,887,256
53$3,480,648$2,285,982$2,009,905$3,076,326
54$3,795,523$2,357,844$2,037,085$3,281,807
55$4,141,251$2,431,962$2,063,912$3,505,299
56$4,520,938$2,508,408$2,090,333$3,748,560
57$4,938,008$2,587,254$2,116,293$4,013,530
58$5,396,231$2,668,575$2,141,734$4,302,339
59$5,899,760$2,752,450$2,166,597$4,617,338
60$6,453,173$2,838,957$2,190,815$4,961,112
61$7,061,510$2,928,179$2,214,321$5,336,508
62$7,730,327$3,020,202$2,237,043$5,746,664
63$8,465,741$3,115,114$2,258,905$6,195,031
64$9,274,496$3,213,004$2,279,828$6,685,415
65$10,164,020$3,313,966$2,299,727$7,222,005
66$11,142,496$3,418,096$2,318,513$7,809,416
67$12,218,941$3,525,493$2,336,094$8,452,729
68$13,403,291$3,636,260$2,352,372$9,157,544
69$14,706,492$3,750,503$2,367,242$9,930,029
70$16,140,606$3,868,329$2,380,596$10,776,978
71$17,718,922$3,989,851$2,392,320$11,705,874
72$19,456,083$4,115,185$2,402,294$12,724,963
73$21,368,225$4,244,451$2,410,392$13,843,329
74$23,473,125$4,377,770$2,416,481$15,070,979
75$25,790,373$4,515,270$2,420,423$16,418,938
76$28,341,555$4,657,082$2,422,071$17,899,353
77$31,150,455$4,803,340$2,421,271$19,525,607
78$34,243,282$4,954,184$2,417,864$21,312,446
79$37,648,914$5,109,757$2,411,681$23,276,115
80$41,399,175$5,270,207$2,402,544$25,434,515
81$45,529,130$5,435,686$2,390,268$27,807,368
82$50,077,418$5,606,352$2,374,659$30,416,406
83$55,086,618$5,782,366$2,355,513$33,285,573
84$60,603,647$5,963,896$2,332,616$36,441,254
85$66,680,206$6,151,114$2,305,746$39,912,519
86$73,373,266$6,344,197$2,274,668$43,731,402
87$80,745,606$6,543,330$2,239,136$47,933,201
88$88,866,406$6,748,701$2,198,895$52,556,809
89$97,811,896$6,960,504$2,153,675$57,645,083
90$107,666,082$7,178,941$2,103,195$63,245,250
91$118,521,532$7,404,219$2,047,162$69,409,347
92$130,480,253$7,636,550$1,985,266$76,194,717
93$143,654,654$7,876,156$1,917,188$83,664,547
94$158,168,604$8,123,264$1,842,589$91,888,467
95$174,158,604$8,378,106$1,761,119$100,943,204
96$191,775,074$8,640,925$1,672,408$110,913,306
97$211,183,771$8,911,970$1,576,073$121,891,942
98$232,567,355$9,191,496$1,471,711$133,981,780
99$256,127,114$9,479,769$1,358,903$147,295,956
100$282,084,863$9,777,060$1,237,209$161,959,142