Can I retire at age 46 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$148,642$147,318$146,027$144,766$143,535$142,332
2 years$73,585$72,215$70,887$69,599$68,350$67,138
3 years$48,570$47,193$45,868$44,593$43,364$42,180
4 years$36,064$34,692$33,380$32,127$30,928$29,781
5 years$28,563$27,199$25,905$24,676$23,511$22,404
6 years$23,564$22,210$20,935$19,734$18,603$17,539
7 years$19,994$18,652$17,397$16,224$15,129$14,108
8 years$17,318$15,988$14,754$13,610$12,551$11,572
9 years$15,238$13,921$12,708$11,593$10,570$9,633
10 years$13,575$12,270$11,079$9,993$9,006$8,111
11 years$12,215$10,924$9,754$8,697$7,746$6,891
12 years$11,083$9,804$8,656$7,628$6,712$5,898
13 years$10,125$8,860$7,734$6,735$5,853$5,078
14 years$9,305$8,054$6,949$5,978$5,131$4,394
15 years$8,595$7,357$6,274$5,332$4,518$3,818
16 years$7,975$6,750$5,688$4,774$3,993$3,329
17 years$7,428$6,217$5,176$4,289$3,540$2,912
18 years$6,942$5,744$4,725$3,866$3,148$2,553
19 years$6,508$5,324$4,325$3,493$2,806$2,244
20 years$6,118$4,947$3,970$3,163$2,506$1,975
21 years$5,765$4,608$3,651$2,871$2,243$1,742
22 years$5,445$4,302$3,365$2,610$2,010$1,539
23 years$5,153$4,023$3,107$2,377$1,804$1,361
24 years$4,886$3,769$2,874$2,168$1,622$1,205
25 years$4,641$3,537$2,662$1,980$1,459$1,067
26 years$4,415$3,325$2,468$1,811$1,315$947
27 years$4,206$3,129$2,292$1,657$1,185$840
28 years$4,012$2,948$2,131$1,518$1,069$746
29 years$3,832$2,781$1,983$1,392$966$663
30 years$3,664$2,627$1,847$1,278$873$590
31 years$3,507$2,483$1,722$1,174$789$525
32 years$3,361$2,350$1,607$1,079$714$467
33 years$3,224$2,225$1,500$992$646$416
34 years$3,095$2,109$1,402$913$585$370
35 years$2,973$2,000$1,310$840$530$330
36 years$2,859$1,898$1,226$774$480$294
37 years$2,751$1,803$1,147$713$435$262
38 years$2,649$1,714$1,074$657$394$233
39 years$2,552$1,629$1,007$606$358$208
40 years$2,461$1,550$944$559$324$186
41 years$2,374$1,476$885$516$294$165
42 years$2,292$1,405$830$476$267$148
43 years$2,213$1,339$779$439$242$132
44 years$2,139$1,276$731$406$220$117
45 years$2,068$1,217$686$375$200$105
46 years$2,000$1,161$645$346$181$94
47 years$1,935$1,108$606$320$165$83
48 years$1,873$1,058$569$295$149$74
49 years$1,814$1,010$535$273$136$66
50 years$1,757$965$503$252$123$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,800,000, adding $4,462 every year, while hoping to spend $42,230 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: 41/46/13 Blend
45$1,800,000$1,800,000$1,800,000$1,800,000
46$1,988,203$1,892,803$1,864,903$2,061,905
47$2,146,067$1,940,617$1,882,444$2,162,065
48$2,318,618$1,989,360$1,899,159$2,265,890
49$2,507,309$2,039,031$1,914,973$2,377,338
50$2,713,741$2,089,630$1,929,811$2,497,121
51$2,939,676$2,141,155$1,943,592$2,626,024
52$3,187,053$2,193,602$1,956,233$2,764,910
53$3,458,010$2,246,966$1,967,645$2,914,731
54$3,754,901$2,301,240$1,977,734$3,076,534
55$4,080,315$2,356,416$1,986,402$3,251,473
56$4,437,107$2,412,481$1,993,547$3,440,817
57$4,828,422$2,469,422$1,999,061$3,645,966
58$5,257,720$2,527,223$2,002,829$3,868,462
59$5,728,816$2,585,865$2,004,732$4,110,003
60$6,245,911$2,645,328$2,004,646$4,372,459
61$6,813,630$2,705,586$2,002,438$4,657,892
62$7,437,073$2,766,611$1,997,972$4,968,573
63$8,121,852$2,828,373$1,991,102$5,307,004
64$8,874,155$2,890,837$1,981,677$5,675,944
65$9,700,794$2,953,963$1,969,539$6,078,431
66$10,609,277$3,017,709$1,954,520$6,517,814
67$11,607,873$3,082,028$1,936,447$6,997,783
68$12,705,695$3,146,866$1,915,137$7,522,406
69$13,912,780$3,212,166$1,890,398$8,096,164
70$15,240,187$3,277,866$1,862,030$8,723,997
71$16,700,101$3,343,896$1,829,823$9,411,349
72$18,305,947$3,410,183$1,793,558$10,164,221
73$20,072,517$3,476,645$1,753,005$10,989,225
74$22,016,106$3,543,193$1,707,923$11,893,650
75$24,154,671$3,609,732$1,658,061$12,885,530
76$26,507,997$3,676,158$1,603,155$13,973,718
77$29,097,883$3,742,360$1,542,931$15,167,973
78$31,948,349$3,808,218$1,477,101$16,479,052
79$35,085,860$3,873,600$1,405,364$17,918,808
80$38,539,580$3,938,368$1,327,405$19,500,308
81$42,341,639$4,002,371$1,242,896$21,237,955
82$46,527,446$4,065,447$1,151,493$23,147,622
83$51,136,015$4,127,423$1,052,837$25,246,805
84$56,210,335$4,188,113$946,553$27,554,786
85$61,797,776$4,247,318$832,250$30,092,822
86$67,950,538$4,304,824$709,518$32,884,338
87$74,726,136$4,360,404$577,931$35,955,156
88$82,187,952$4,413,814$437,042$39,333,733
89$90,405,825$4,464,793$286,385$43,051,437
90$99,456,715$4,513,063$125,474$47,142,841
91$109,425,424$4,558,328$0$51,646,049
92$120,405,401$4,600,270$0$56,609,475
93$132,499,622$4,638,553$0$62,091,983
94$145,821,559$4,672,817$0$68,127,247
95$160,496,252$4,702,680$0$74,771,578
96$176,661,493$4,727,734$0$82,087,036
97$194,469,119$4,747,546$0$90,142,013
98$214,086,449$4,761,657$0$99,011,886
99$235,697,864$4,769,575$0$108,779,724
100$259,506,543$4,770,781$0$119,537,077