Can I retire at age 46 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$157,726$156,321$154,950$153,612$152,306$147,667
2 years$78,082$76,628$75,219$73,852$72,527$67,893
3 years$51,538$50,077$48,671$47,318$46,014$41,531
4 years$38,268$36,812$35,420$34,090$32,818$28,519
5 years$30,308$28,861$27,488$26,184$24,947$20,845
6 years$25,004$23,567$22,214$20,940$19,740$15,838
7 years$21,216$19,792$18,460$17,216$16,054$12,352
8 years$18,377$16,965$15,656$14,442$13,318$9,813
9 years$16,169$14,771$13,484$12,301$11,216$7,905
10 years$14,405$13,020$11,756$10,604$9,557$6,434
11 years$12,962$11,591$10,350$9,228$8,219$5,280
12 years$11,760$10,404$9,185$8,095$7,122$4,361
13 years$10,744$9,402$8,206$7,146$6,211$3,621
14 years$9,874$8,546$7,373$6,344$5,444$3,018
15 years$9,121$7,807$6,657$5,657$4,794$2,525
16 years$8,462$7,163$6,036$5,066$4,237$2,118
17 years$7,882$6,597$5,492$4,551$3,756$1,781
18 years$7,366$6,095$5,014$4,102$3,340$1,500
19 years$6,906$5,649$4,590$3,706$2,977$1,266
20 years$6,491$5,250$4,212$3,357$2,659$1,069
21 years$6,117$4,890$3,874$3,046$2,380$905
22 years$5,778$4,564$3,571$2,770$2,133$766
23 years$5,468$4,269$3,297$2,523$1,915$649
24 years$5,185$4,000$3,049$2,301$1,721$550
25 years$4,924$3,754$2,824$2,101$1,549$467
26 years$4,684$3,528$2,619$1,921$1,395$396
27 years$4,463$3,320$2,432$1,759$1,258$336
28 years$4,257$3,128$2,261$1,611$1,135$286
29 years$4,066$2,951$2,104$1,478$1,025$243
30 years$3,888$2,787$1,960$1,356$926$206
31 years$3,722$2,635$1,827$1,245$837$175
32 years$3,566$2,493$1,705$1,145$757$149
33 years$3,421$2,361$1,592$1,052$685$127
34 years$3,284$2,238$1,487$968$620$108
35 years$3,155$2,122$1,391$891$562$92
36 years$3,034$2,014$1,301$821$509$78
37 years$2,919$1,913$1,218$756$461$66
38 years$2,811$1,818$1,140$697$418$56
39 years$2,708$1,729$1,068$643$379$48
40 years$2,611$1,645$1,001$593$344$41
41 years$2,519$1,566$939$547$312$35
42 years$2,432$1,491$881$505$283$30
43 years$2,349$1,421$826$466$257$25
44 years$2,269$1,354$776$430$233$21
45 years$2,194$1,292$728$397$212$18
46 years$2,122$1,232$684$367$192$16
47 years$2,053$1,176$643$339$175$13
48 years$1,988$1,122$604$313$159$11
49 years$1,925$1,072$568$290$144$10
50 years$1,865$1,024$534$268$131$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,910,000, adding $4,312 every year, while hoping to spend $54,999 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: 59/14/27 Blend
45$1,910,000$1,910,000$1,910,000$1,910,000
46$2,109,268$2,008,038$1,978,433$2,218,038
47$2,265,895$2,047,913$1,986,192$2,332,685
48$2,436,654$2,087,899$1,992,367$2,451,445
49$2,622,930$2,127,943$1,996,848$2,579,834
50$2,826,244$2,167,988$1,999,518$2,718,800
51$3,048,273$2,207,971$2,000,255$2,869,390
52$3,290,863$2,247,828$1,998,929$3,032,759
53$3,556,044$2,287,484$1,995,406$3,210,179
54$3,846,053$2,326,864$1,989,545$3,403,054
55$4,163,353$2,365,882$1,981,197$3,612,931
56$4,510,655$2,404,451$1,970,207$3,841,517
57$4,890,944$2,442,472$1,956,412$4,090,694
58$5,307,510$2,479,843$1,939,642$4,362,537
59$5,763,973$2,516,452$1,919,716$4,659,333
60$6,264,321$2,552,180$1,896,449$4,983,607
61$6,812,945$2,586,901$1,869,644$5,338,141
62$7,414,684$2,620,477$1,839,095$5,726,002
63$8,074,864$2,652,763$1,804,588$6,150,574
64$8,799,356$2,683,604$1,765,896$6,615,587
65$9,594,622$2,712,832$1,722,786$7,125,154
66$10,467,784$2,740,272$1,675,010$7,683,809
67$11,426,686$2,765,733$1,622,310$8,296,555
68$12,479,968$2,789,014$1,564,418$8,968,903
69$13,637,149$2,809,900$1,501,051$9,706,933
70$14,908,716$2,828,163$1,431,913$10,517,347
71$16,306,221$2,843,558$1,356,698$11,407,536
72$17,842,391$2,855,828$1,275,083$12,385,646
73$19,531,248$2,864,697$1,186,732$13,460,660
74$21,388,239$2,869,872$1,091,292$14,642,481
75$23,430,385$2,871,041$988,396$15,942,026
76$25,676,438$2,867,875$877,660$17,371,334
77$28,147,056$2,860,023$758,683$18,943,672
78$30,865,004$2,847,112$631,047$20,673,670
79$33,855,361$2,828,747$494,314$22,577,456
80$37,145,761$2,804,509$348,027$24,672,807
81$40,766,653$2,773,954$191,710$26,979,321
82$44,751,584$2,736,610$24,865$29,518,605
83$49,137,521$2,691,979$0$32,314,474
84$53,965,193$2,639,531$0$35,437,314
85$59,279,481$2,578,706$0$38,882,446
86$65,129,835$2,508,910$0$42,674,764
87$71,570,747$2,429,516$0$46,849,602
88$78,662,259$2,339,858$0$51,445,901
89$86,470,531$2,239,232$0$56,506,570
90$95,068,465$2,126,895$0$62,078,901
91$104,536,394$2,002,058$0$68,215,006
92$114,962,836$1,863,888$0$74,972,314
93$126,445,332$1,711,506$0$82,414,114
94$139,091,367$1,543,981$0$90,610,152
95$153,019,378$1,360,327$0$99,637,288
96$168,359,878$1,159,507$0$109,580,224
97$185,256,684$940,421$0$120,532,304
98$203,868,272$701,908$0$132,596,395
99$224,369,279$442,744$0$145,885,859
100$246,952,140$161,634$0$160,525,623