Can I retire at age 46 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$149,468$148,137$146,838$145,570$144,332$139,880
2 years$73,994$72,616$71,280$69,986$68,729$64,283
3 years$48,839$47,455$46,123$44,840$43,605$39,303
4 years$36,265$34,885$33,566$32,305$31,099$26,976
5 years$28,722$27,350$26,048$24,813$23,641$19,707
6 years$23,695$22,333$21,051$19,843$18,706$14,965
7 years$20,105$18,756$17,494$16,314$15,213$11,664
8 years$17,414$16,077$14,836$13,686$12,621$9,262
9 years$15,323$13,998$12,778$11,657$10,629$7,456
10 years$13,650$12,338$11,140$10,049$9,056$6,065
11 years$12,283$10,984$9,808$8,745$7,789$4,974
12 years$11,144$9,859$8,704$7,671$6,749$4,105
13 years$10,182$8,909$7,777$6,772$5,886$3,406
14 years$9,357$8,098$6,987$6,012$5,159$2,838
15 years$8,643$7,398$6,309$5,361$4,543$2,372
16 years$8,019$6,788$5,720$4,800$4,015$1,988
17 years$7,469$6,251$5,205$4,313$3,560$1,671
18 years$6,980$5,776$4,751$3,887$3,165$1,406
19 years$6,544$5,353$4,349$3,512$2,821$1,186
20 years$6,152$4,975$3,992$3,181$2,520$1,001
21 years$5,797$4,634$3,672$2,887$2,255$846
22 years$5,475$4,325$3,384$2,625$2,021$716
23 years$5,182$4,045$3,124$2,391$1,815$606
24 years$4,913$3,790$2,890$2,180$1,631$513
25 years$4,666$3,557$2,676$1,991$1,468$435
26 years$4,439$3,343$2,482$1,821$1,322$369
27 years$4,229$3,146$2,305$1,666$1,192$313
28 years$4,034$2,965$2,143$1,527$1,075$266
29 years$3,853$2,797$1,994$1,400$971$226
30 years$3,684$2,641$1,857$1,285$877$192
31 years$3,527$2,497$1,732$1,180$793$163
32 years$3,380$2,363$1,616$1,085$718$138
33 years$3,241$2,237$1,508$997$649$117
34 years$3,112$2,121$1,409$918$588$100
35 years$2,990$2,011$1,318$845$533$85
36 years$2,875$1,909$1,233$778$483$72
37 years$2,766$1,813$1,154$717$437$61
38 years$2,664$1,723$1,080$661$396$52
39 years$2,567$1,639$1,012$609$360$44
40 years$2,475$1,559$949$562$326$38
41 years$2,387$1,484$890$518$296$32
42 years$2,304$1,413$835$478$268$27
43 years$2,226$1,347$783$442$244$23
44 years$2,151$1,284$735$408$221$20
45 years$2,079$1,224$690$377$201$17
46 years$2,011$1,168$648$348$182$14
47 years$1,946$1,114$609$321$166$12
48 years$1,884$1,064$572$297$150$10
49 years$1,824$1,016$538$274$137$9
50 years$1,767$970$506$254$124$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,810,000, adding $5,223 every year, while hoping to spend $37,583 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: 76/6/18 Blend
45$1,810,000$1,810,000$1,810,000$1,810,000
46$2,000,008$1,904,078$1,876,023$2,143,419
47$2,164,020$1,957,389$1,898,881$2,292,316
48$2,343,503$2,012,054$1,921,246$2,450,346
49$2,539,993$2,068,097$1,943,061$2,622,609
50$2,755,185$2,125,547$1,964,266$2,810,513
51$2,990,944$2,184,429$1,984,800$3,015,611
52$3,249,325$2,244,771$2,004,595$3,239,614
53$3,532,590$2,306,598$2,023,582$3,484,405
54$3,843,230$2,369,937$2,041,688$3,752,058
55$4,183,991$2,434,816$2,058,836$4,044,861
56$4,557,895$2,501,258$2,074,944$4,365,331
57$4,968,272$2,569,292$2,089,926$4,716,243
58$5,418,789$2,638,941$2,103,693$5,100,654
59$5,913,488$2,710,231$2,116,149$5,521,932
60$6,456,819$2,783,187$2,127,195$5,983,787
61$7,053,684$2,857,833$2,136,725$6,490,307
62$7,709,485$2,934,192$2,144,631$7,045,998
63$8,430,171$3,012,287$2,150,795$7,655,824
64$9,222,299$3,092,139$2,155,097$8,325,252
65$10,093,090$3,173,770$2,157,409$9,060,309
66$11,050,500$3,257,200$2,157,597$9,867,636
67$12,103,295$3,342,447$2,155,521$10,754,548
68$13,261,134$3,429,529$2,151,033$11,729,109
69$14,534,655$3,518,462$2,143,979$12,800,203
70$15,935,584$3,609,261$2,134,196$13,977,620
71$17,476,837$3,701,938$2,121,515$15,272,146
72$19,172,646$3,796,505$2,105,757$16,695,670
73$21,038,693$3,892,970$2,086,737$18,261,292
74$23,092,255$3,991,341$2,064,258$19,983,445
75$25,352,370$4,091,622$2,038,116$21,878,037
76$27,840,016$4,193,815$2,008,097$23,962,597
77$30,578,305$4,297,919$1,973,975$26,256,441
78$33,592,705$4,403,931$1,935,517$28,780,856
79$36,911,280$4,511,842$1,892,475$31,559,298
80$40,564,951$4,621,643$1,844,594$34,617,619
81$44,587,792$4,733,319$1,791,603$37,984,302
82$49,017,346$4,846,851$1,733,222$41,690,740
83$53,894,985$4,962,217$1,669,154$45,771,526
84$59,266,297$5,079,389$1,599,094$50,264,781
85$65,181,514$5,198,333$1,522,718$55,212,515
86$71,695,989$5,319,013$1,439,691$60,661,022
87$78,870,719$5,441,384$1,349,660$66,661,321
88$86,772,917$5,565,396$1,252,257$73,269,632
89$95,476,646$5,690,992$1,147,099$80,547,910
90$105,063,521$5,818,108$1,033,785$88,564,431
91$115,623,478$5,946,673$911,894$97,394,436
92$127,255,620$6,076,607$780,990$107,120,840
93$140,069,155$6,207,822$640,615$117,835,017
94$154,184,424$6,340,221$490,291$129,637,659
95$169,734,040$6,473,696$329,520$142,639,734
96$186,864,135$6,608,130$157,782$156,963,526
97$205,735,742$6,743,394$0$172,743,796
98$226,526,314$6,879,346$0$190,133,946
99$249,431,398$7,015,835$0$209,325,394
100$274,666,482$7,152,692$0$230,468,266