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

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$157,726$156,321$154,950$153,612$152,306$150,841
2 years$78,082$76,628$75,219$73,852$72,527$71,051
3 years$51,538$50,077$48,671$47,318$46,014$44,573
4 years$38,268$36,812$35,420$34,090$32,818$31,423
5 years$30,308$28,861$27,488$26,184$24,947$23,603
6 years$25,004$23,567$22,214$20,940$19,740$18,447
7 years$21,216$19,792$18,460$17,216$16,054$14,814
8 years$18,377$16,965$15,656$14,442$13,318$12,130
9 years$16,169$14,771$13,484$12,301$11,216$10,080
10 years$14,405$13,020$11,756$10,604$9,557$8,472
11 years$12,962$11,591$10,350$9,228$8,219$7,185
12 years$11,760$10,404$9,185$8,095$7,122$6,137
13 years$10,744$9,402$8,206$7,146$6,211$5,274
14 years$9,874$8,546$7,373$6,344$5,444$4,555
15 years$9,121$7,807$6,657$5,657$4,794$3,950
16 years$8,462$7,163$6,036$5,066$4,237$3,437
17 years$7,882$6,597$5,492$4,551$3,756$3,000
18 years$7,366$6,095$5,014$4,102$3,340$2,625
19 years$6,906$5,649$4,590$3,706$2,977$2,301
20 years$6,491$5,250$4,212$3,357$2,659$2,022
21 years$6,117$4,890$3,874$3,046$2,380$1,779
22 years$5,778$4,564$3,571$2,770$2,133$1,568
23 years$5,468$4,269$3,297$2,523$1,915$1,383
24 years$5,185$4,000$3,049$2,301$1,721$1,222
25 years$4,924$3,754$2,824$2,101$1,549$1,080
26 years$4,684$3,528$2,619$1,921$1,395$956
27 years$4,463$3,320$2,432$1,759$1,258$846
28 years$4,257$3,128$2,261$1,611$1,135$750
29 years$4,066$2,951$2,104$1,478$1,025$665
30 years$3,888$2,787$1,960$1,356$926$590
31 years$3,722$2,635$1,827$1,245$837$523
32 years$3,566$2,493$1,705$1,145$757$465
33 years$3,421$2,361$1,592$1,052$685$413
34 years$3,284$2,238$1,487$968$620$366
35 years$3,155$2,122$1,391$891$562$326
36 years$3,034$2,014$1,301$821$509$289
37 years$2,919$1,913$1,218$756$461$257
38 years$2,811$1,818$1,140$697$418$229
39 years$2,708$1,729$1,068$643$379$203
40 years$2,611$1,645$1,001$593$344$181
41 years$2,519$1,566$939$547$312$161
42 years$2,432$1,491$881$505$283$143
43 years$2,349$1,421$826$466$257$127
44 years$2,269$1,354$776$430$233$113
45 years$2,194$1,292$728$397$212$101
46 years$2,122$1,232$684$367$192$90
47 years$2,053$1,176$643$339$175$80
48 years$1,988$1,122$604$313$159$71
49 years$1,925$1,072$568$290$144$63
50 years$1,865$1,024$534$268$131$56

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 $3,546 every year, while hoping to spend $40,039 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: 55/18/27 Blend
45$1,910,000$1,910,000$1,910,000$1,910,000
46$2,108,478$2,007,248$1,977,643$2,208,538
47$2,280,941$2,063,002$2,001,293$2,333,616
48$2,469,654$2,120,146$2,024,393$2,465,330
49$2,676,232$2,178,705$2,046,883$2,607,972
50$2,902,452$2,238,707$2,068,698$2,762,607
51$3,150,274$2,300,176$2,089,771$2,930,408
52$3,421,855$2,363,137$2,110,032$3,112,667
53$3,719,570$2,427,617$2,129,404$3,310,809
54$4,046,036$2,493,639$2,147,808$3,526,401
55$4,404,133$2,561,230$2,165,162$3,761,173
56$4,797,037$2,630,412$2,181,377$4,017,027
57$5,228,244$2,701,211$2,196,361$4,296,061
58$5,701,603$2,773,649$2,210,018$4,600,588
59$6,221,357$2,847,748$2,222,244$4,933,154
60$6,792,180$2,923,532$2,232,934$5,296,566
61$7,419,217$3,001,020$2,241,972$5,693,916
62$8,108,142$3,080,235$2,249,243$6,128,612
63$8,865,199$3,161,193$2,254,619$6,604,410
64$9,697,273$3,243,915$2,257,972$7,125,447
65$10,611,944$3,328,416$2,259,164$7,696,286
66$11,617,566$3,414,713$2,258,050$8,321,951
67$12,723,343$3,502,819$2,254,480$9,007,981
68$13,939,414$3,592,747$2,248,295$9,760,481
69$15,276,951$3,684,507$2,239,329$10,586,176
70$16,748,261$3,778,109$2,227,407$11,492,481
71$18,366,906$3,873,559$2,212,348$12,487,565
72$20,147,828$3,970,861$2,193,959$13,580,432
73$22,107,490$4,070,018$2,172,041$14,781,005
74$24,264,033$4,171,027$2,146,383$16,100,220
75$26,637,442$4,273,885$2,116,764$17,550,130
76$29,249,741$4,378,585$2,082,956$19,144,017
77$32,125,196$4,485,117$2,044,716$20,896,519
78$35,290,545$4,593,467$2,001,793$22,823,769
79$38,775,249$4,703,616$1,953,922$24,943,548
80$42,611,773$4,815,542$1,900,827$27,275,451
81$46,835,889$4,929,218$1,842,219$29,841,074
82$51,487,012$5,044,612$1,777,796$32,664,216
83$56,608,576$5,161,687$1,707,241$35,771,108
84$62,248,441$5,280,400$1,630,224$39,190,658
85$68,459,345$5,400,702$1,546,400$42,954,724
86$75,299,400$5,522,539$1,455,406$47,098,418
87$82,832,643$5,645,847$1,356,866$51,660,435
88$91,129,637$5,770,558$1,250,386$56,683,421
89$100,268,138$5,896,593$1,135,552$62,214,375
90$110,333,829$6,023,868$1,011,934$68,305,093
91$121,421,129$6,152,286$879,083$75,012,659
92$133,634,081$6,281,745$736,529$82,399,982
93$147,087,336$6,412,129$583,781$90,536,396
94$161,907,233$6,543,313$420,327$99,498,309
95$178,232,996$6,675,160$245,633$109,369,928
96$196,218,040$6,807,522$59,140$120,244,056
97$216,031,425$6,940,235$0$132,222,966
98$237,859,448$7,073,124$0$145,459,670
99$261,907,403$7,205,999$0$160,058,886
100$288,401,518$7,338,652$0$176,140,637