Can I retire at age 49 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$149,468$148,137$146,838$145,570$144,332$140,900
2 years$73,994$72,616$71,280$69,986$68,729$65,292
3 years$48,839$47,455$46,123$44,840$43,605$40,269
4 years$36,265$34,885$33,566$32,305$31,099$27,891
5 years$28,722$27,350$26,048$24,813$23,641$20,569
6 years$23,695$22,333$21,051$19,843$18,706$15,774
7 years$20,105$18,756$17,494$16,314$15,213$12,421
8 years$17,414$16,077$14,836$13,686$12,621$9,968
9 years$15,323$13,998$12,778$11,657$10,629$8,112
10 years$13,650$12,338$11,140$10,049$9,056$6,673
11 years$12,283$10,984$9,808$8,745$7,789$5,536
12 years$11,144$9,859$8,704$7,671$6,749$4,624
13 years$10,182$8,909$7,777$6,772$5,886$3,883
14 years$9,357$8,098$6,987$6,012$5,159$3,275
15 years$8,643$7,398$6,309$5,361$4,543$2,773
16 years$8,019$6,788$5,720$4,800$4,015$2,354
17 years$7,469$6,251$5,205$4,313$3,560$2,004
18 years$6,980$5,776$4,751$3,887$3,165$1,710
19 years$6,544$5,353$4,349$3,512$2,821$1,461
20 years$6,152$4,975$3,992$3,181$2,520$1,251
21 years$5,797$4,634$3,672$2,887$2,255$1,072
22 years$5,475$4,325$3,384$2,625$2,021$920
23 years$5,182$4,045$3,124$2,391$1,815$790
24 years$4,913$3,790$2,890$2,180$1,631$679
25 years$4,666$3,557$2,676$1,991$1,468$584
26 years$4,439$3,343$2,482$1,821$1,322$502
27 years$4,229$3,146$2,305$1,666$1,192$432
28 years$4,034$2,965$2,143$1,527$1,075$372
29 years$3,853$2,797$1,994$1,400$971$321
30 years$3,684$2,641$1,857$1,285$877$276
31 years$3,527$2,497$1,732$1,180$793$238
32 years$3,380$2,363$1,616$1,085$718$206
33 years$3,241$2,237$1,508$997$649$177
34 years$3,112$2,121$1,409$918$588$153
35 years$2,990$2,011$1,318$845$533$132
36 years$2,875$1,909$1,233$778$483$114
37 years$2,766$1,813$1,154$717$437$98
38 years$2,664$1,723$1,080$661$396$85
39 years$2,567$1,639$1,012$609$360$73
40 years$2,475$1,559$949$562$326$63
41 years$2,387$1,484$890$518$296$55
42 years$2,304$1,413$835$478$268$47
43 years$2,226$1,347$783$442$244$41
44 years$2,151$1,284$735$408$221$35
45 years$2,079$1,224$690$377$201$30
46 years$2,011$1,168$648$348$182$26
47 years$1,946$1,114$609$321$166$23
48 years$1,884$1,064$572$297$150$19
49 years$1,824$1,016$538$274$137$17
50 years$1,767$970$506$254$124$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $1,810,000, adding $3,265 every year, while hoping to spend $54,886 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: 47/28/25 Blend
48$1,810,000$1,810,000$1,810,000$1,810,000
49$1,997,988$1,902,058$1,874,003$2,077,470
50$2,143,384$1,936,860$1,878,384$2,168,456
51$2,301,772$1,971,529$1,881,072$2,261,498
52$2,474,417$2,005,998$1,881,952$2,361,402
53$2,662,715$2,040,200$1,880,905$2,468,842
54$2,868,201$2,074,058$1,877,804$2,584,556
55$3,092,563$2,107,493$1,872,516$2,709,362
56$3,337,662$2,140,418$1,864,904$2,844,163
57$3,605,546$2,172,740$1,854,820$2,989,954
58$3,898,468$2,204,361$1,842,113$3,147,835
59$4,218,911$2,235,174$1,826,623$3,319,018
60$4,569,607$2,265,065$1,808,182$3,504,843
61$4,953,565$2,293,911$1,786,614$3,706,787
62$5,374,100$2,321,584$1,761,737$3,926,480
63$5,834,861$2,347,944$1,733,358$4,165,723
64$6,339,866$2,372,843$1,701,274$4,426,502
65$6,893,542$2,396,122$1,665,277$4,711,008
66$7,500,763$2,417,612$1,625,144$5,021,661
67$8,166,900$2,437,134$1,580,645$5,361,128
68$8,897,866$2,454,495$1,531,539$5,732,354
69$9,700,176$2,469,493$1,477,573$6,138,589
70$10,581,005$2,481,909$1,418,483$6,583,418
71$11,548,258$2,491,514$1,353,993$7,070,795
72$12,610,643$2,498,060$1,283,814$7,605,084
73$13,777,752$2,501,288$1,207,644$8,191,099
74$15,060,151$2,500,920$1,125,170$8,834,150
75$16,469,483$2,496,662$1,036,059$9,540,096
76$18,018,573$2,488,201$939,970$10,315,399
77$19,721,550$2,475,205$836,541$11,167,187
78$21,593,980$2,457,322$725,397$12,103,322
79$23,653,014$2,434,179$606,146$13,132,476
80$25,917,549$2,405,381$478,379$14,264,215
81$28,408,401$2,370,507$341,667$15,509,088
82$31,148,509$2,329,113$195,564$16,878,728
83$34,163,145$2,280,728$39,604$18,385,969
84$37,480,155$2,224,852$0$20,044,959
85$41,130,219$2,160,959$0$21,905,137
86$45,147,144$2,088,488$0$23,963,350
87$49,568,176$2,006,848$0$26,228,142
88$54,434,359$1,915,412$0$28,720,585
89$59,790,914$1,813,518$0$31,463,905
90$65,687,672$1,700,465$0$34,483,705
91$72,179,539$1,575,512$0$37,808,203
92$79,327,016$1,437,875$0$41,468,505
93$87,196,768$1,286,728$0$45,498,895
94$95,862,254$1,121,193$0$49,937,161
95$105,404,419$940,347$0$54,824,956
96$115,912,458$743,212$0$60,208,188
97$127,484,655$528,756$0$66,137,459
98$140,229,315$295,890$0$72,668,542
99$154,265,778$43,462$0$79,862,910
100$169,725,552$0$0$87,788,315