Can I retire at age 46 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$151,120$149,774$148,460$147,178$145,927$140,414
2 years$74,812$73,418$72,068$70,759$69,489$63,999
3 years$49,379$47,980$46,633$45,336$44,087$38,792
4 years$36,665$35,270$33,937$32,662$31,443$26,385
5 years$29,039$27,652$26,336$25,088$23,902$19,093
6 years$23,956$22,580$21,284$20,063$18,913$14,356
7 years$20,327$18,963$17,687$16,495$15,381$11,075
8 years$17,607$16,255$15,000$13,837$12,760$8,701
9 years$15,492$14,153$12,919$11,786$10,746$6,928
10 years$13,801$12,475$11,263$10,160$9,156$5,572
11 years$12,419$11,106$9,916$8,842$7,875$4,516
12 years$11,267$9,968$8,800$7,756$6,824$3,683
13 years$10,294$9,008$7,862$6,847$5,951$3,019
14 years$9,460$8,188$7,064$6,078$5,216$2,483
15 years$8,739$7,480$6,378$5,421$4,593$2,050
16 years$8,108$6,863$5,783$4,853$4,059$1,696
17 years$7,551$6,320$5,262$4,361$3,599$1,406
18 years$7,058$5,840$4,804$3,930$3,200$1,168
19 years$6,616$5,413$4,398$3,551$2,852$971
20 years$6,220$5,030$4,036$3,216$2,548$809
21 years$5,861$4,685$3,712$2,919$2,280$674
22 years$5,536$4,373$3,421$2,654$2,044$562
23 years$5,239$4,090$3,159$2,417$1,835$469
24 years$4,967$3,832$2,922$2,204$1,649$392
25 years$4,718$3,596$2,706$2,013$1,484$328
26 years$4,488$3,380$2,510$1,841$1,337$274
27 years$4,276$3,181$2,330$1,685$1,205$229
28 years$4,079$2,997$2,166$1,544$1,087$191
29 years$3,896$2,828$2,016$1,416$982$160
30 years$3,725$2,670$1,878$1,299$887$134
31 years$3,566$2,524$1,751$1,193$802$112
32 years$3,417$2,389$1,633$1,097$726$94
33 years$3,277$2,262$1,525$1,008$657$79
34 years$3,146$2,144$1,425$928$594$66
35 years$3,023$2,034$1,332$854$538$55
36 years$2,906$1,930$1,246$787$488$46
37 years$2,797$1,833$1,167$725$442$39
38 years$2,693$1,742$1,092$668$401$32
39 years$2,595$1,657$1,023$616$364$27
40 years$2,502$1,576$959$568$330$23
41 years$2,414$1,500$899$524$299$19
42 years$2,330$1,429$844$484$271$16
43 years$2,250$1,361$792$447$246$13
44 years$2,174$1,298$743$412$224$11
45 years$2,102$1,237$698$381$203$9
46 years$2,033$1,181$655$352$184$8
47 years$1,967$1,127$616$325$167$7
48 years$1,904$1,075$579$300$152$5
49 years$1,844$1,027$544$278$138$5
50 years$1,787$981$511$257$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,830,000, adding $3,988 every year, while hoping to spend $44,148 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: 58/20/22 Blend
45$1,830,000$1,830,000$1,830,000$1,830,000
46$2,020,774$1,923,784$1,895,419$2,125,855
47$2,179,919$1,971,076$1,911,942$2,245,153
48$2,353,818$2,019,206$1,927,539$2,370,059
49$2,543,929$2,068,168$1,942,133$2,505,277
50$2,751,856$2,117,955$1,955,641$2,651,812
51$2,979,368$2,168,557$1,967,978$2,810,774
52$3,228,411$2,219,964$1,979,052$2,983,384
53$3,501,129$2,272,162$1,988,770$3,170,987
54$3,799,882$2,325,135$1,997,032$3,375,066
55$4,127,269$2,378,866$2,003,731$3,597,255
56$4,486,153$2,433,333$2,008,759$3,839,354
57$4,879,687$2,488,513$2,011,999$4,103,348
58$5,311,344$2,544,379$2,013,330$4,391,424
59$5,784,949$2,600,902$2,012,624$4,705,990
60$6,304,715$2,658,047$2,009,748$5,049,702
61$6,875,282$2,715,778$2,004,561$5,425,487
62$7,501,763$2,774,053$1,996,916$5,836,571
63$8,189,789$2,832,828$1,986,659$6,286,509
64$8,945,564$2,892,052$1,973,628$6,779,218
65$9,775,920$2,951,672$1,957,654$7,319,016
66$10,688,387$3,011,627$1,938,558$7,910,662
67$11,691,258$3,071,852$1,916,156$8,559,403
68$12,793,671$3,132,278$1,890,251$9,271,018
69$14,005,692$3,192,826$1,860,641$10,051,881
70$15,338,412$3,253,413$1,827,112$10,909,013
71$16,804,049$3,313,950$1,789,439$11,850,155
72$18,416,067$3,374,338$1,747,390$12,883,839
73$20,189,297$3,434,472$1,700,720$14,019,467
74$22,140,083$3,494,239$1,649,172$15,267,403
75$24,286,431$3,553,516$1,592,478$16,639,069
76$26,648,180$3,612,172$1,530,359$18,147,056
77$29,247,191$3,670,064$1,462,522$19,805,239
78$32,107,548$3,727,042$1,388,661$21,628,911
79$35,255,792$3,782,941$1,308,455$23,634,930
80$38,721,165$3,837,587$1,221,571$25,841,872
81$42,535,889$3,890,794$1,127,658$28,270,215
82$46,735,467$3,942,360$1,026,352$30,942,526
83$51,359,021$3,992,072$917,272$33,883,679
84$56,449,659$4,039,701$800,017$37,121,089
85$62,054,880$4,085,002$674,174$40,684,969
86$68,227,025$4,127,715$539,306$44,608,620
87$75,023,769$4,167,561$394,961$48,928,746
88$82,508,665$4,204,243$240,664$53,685,796
89$90,751,744$4,237,445$75,920$58,924,353
90$99,830,173$4,266,831$0$64,693,552
91$109,828,987$4,292,043$0$71,070,995
92$120,841,888$4,312,697$0$78,113,460
93$132,972,132$4,328,390$0$85,869,016
94$146,333,497$4,338,689$0$94,410,297
95$161,051,366$4,343,137$0$103,817,342
96$177,263,900$4,341,246$0$114,178,359
97$195,123,350$4,332,499$0$125,590,548
98$214,797,487$4,316,347$0$138,161,027
99$236,471,191$4,292,208$0$152,007,840
100$260,348,189$4,259,463$0$167,261,072