Can I retire at age 45 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$142,862$141,589$140,348$139,136$137,953$136,003
2 years$70,724$69,406$68,130$66,892$65,692$63,732
3 years$46,681$45,358$44,085$42,859$41,678$39,768
4 years$34,662$33,343$32,082$30,877$29,725$27,880
5 years$27,452$26,141$24,897$23,717$22,596$20,821
6 years$22,647$21,346$20,121$18,966$17,880$16,177
7 years$19,217$17,927$16,720$15,593$14,541$12,911
8 years$16,645$15,366$14,180$13,081$12,063$10,506
9 years$14,646$13,379$12,213$11,142$10,159$8,674
10 years$13,047$11,793$10,648$9,604$8,656$7,242
11 years$11,740$10,499$9,374$8,359$7,444$6,099
12 years$10,652$9,423$8,319$7,332$6,451$5,174
13 years$9,732$8,516$7,433$6,473$5,626$4,415
14 years$8,943$7,741$6,678$5,746$4,931$3,785
15 years$8,261$7,071$6,030$5,124$4,342$3,257
16 years$7,665$6,488$5,467$4,588$3,837$2,813
17 years$7,139$5,975$4,975$4,123$3,402$2,436
18 years$6,672$5,521$4,541$3,715$3,025$2,115
19 years$6,255$5,117$4,157$3,357$2,697$1,840
20 years$5,880$4,755$3,815$3,040$2,409$1,603
21 years$5,541$4,429$3,509$2,759$2,155$1,399
22 years$5,233$4,134$3,234$2,509$1,932$1,223
23 years$4,953$3,867$2,986$2,285$1,734$1,070
24 years$4,696$3,623$2,762$2,084$1,559$937
25 years$4,460$3,400$2,558$1,903$1,403$821
26 years$4,243$3,195$2,372$1,740$1,264$720
27 years$4,042$3,007$2,203$1,593$1,139$632
28 years$3,856$2,834$2,048$1,459$1,028$555
29 years$3,683$2,673$1,906$1,338$928$488
30 years$3,522$2,525$1,775$1,228$839$429
31 years$3,371$2,387$1,655$1,128$758$377
32 years$3,230$2,258$1,544$1,037$686$332
33 years$3,098$2,139$1,442$953$621$292
34 years$2,974$2,027$1,347$877$562$257
35 years$2,858$1,922$1,259$807$509$226
36 years$2,748$1,825$1,178$744$461$199
37 years$2,644$1,733$1,103$685$418$175
38 years$2,546$1,647$1,033$632$379$155
39 years$2,453$1,566$968$582$344$136
40 years$2,365$1,490$907$537$312$120
41 years$2,282$1,418$850$496$283$106
42 years$2,203$1,351$798$457$257$93
43 years$2,127$1,287$748$422$233$82
44 years$2,055$1,227$703$390$211$72
45 years$1,987$1,170$660$360$192$64
46 years$1,922$1,116$620$333$174$56
47 years$1,860$1,065$582$307$158$50
48 years$1,800$1,017$547$284$144$44
49 years$1,743$971$514$262$130$39
50 years$1,689$927$483$242$119$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,730,000, adding $5,333 every year, while hoping to spend $33,598 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: 65/19/16 Blend
44$1,730,000$1,730,000$1,730,000$1,730,000
45$1,911,961$1,820,271$1,793,456$2,028,456
46$2,071,233$1,873,716$1,817,789$2,160,559
47$2,245,625$1,928,654$1,841,811$2,300,489
48$2,436,643$1,985,123$1,865,476$2,452,577
49$2,645,947$2,043,160$1,888,735$2,618,012
50$2,875,364$2,102,805$1,911,538$2,798,102
51$3,126,906$2,164,098$1,933,831$2,994,288
52$3,402,791$2,227,080$1,955,555$3,208,156
53$3,705,460$2,291,791$1,976,650$3,441,453
54$4,037,603$2,358,274$1,997,053$3,696,105
55$4,402,180$2,426,571$2,016,696$3,974,229
56$4,802,456$2,496,727$2,035,509$4,278,161
57$5,242,024$2,568,784$2,053,416$4,610,471
58$5,724,845$2,642,789$2,070,340$4,973,992
59$6,255,279$2,718,786$2,086,196$5,371,843
60$6,838,133$2,796,821$2,100,899$5,807,462
61$7,478,699$2,876,942$2,114,356$6,284,634
62$8,182,810$2,959,196$2,126,470$6,807,531
63$8,956,890$3,043,630$2,137,141$7,380,748
64$9,808,019$3,130,295$2,146,261$8,009,348
65$10,743,996$3,219,237$2,153,719$8,698,907
66$11,773,411$3,310,508$2,159,397$9,455,572
67$12,905,734$3,404,158$2,163,172$10,286,114
68$14,151,393$3,500,236$2,164,913$11,197,992
69$15,521,882$3,598,794$2,164,484$12,199,426
70$17,029,863$3,699,884$2,161,743$13,299,474
71$18,689,287$3,803,557$2,156,540$14,508,114
72$20,515,528$3,909,864$2,148,717$15,836,343
73$22,525,523$4,018,859$2,138,110$17,296,276
74$24,737,936$4,130,593$2,124,547$18,901,265
75$27,173,332$4,245,118$2,107,845$20,666,020
76$29,854,370$4,362,487$2,087,816$22,606,753
77$32,806,018$4,482,751$2,064,261$24,741,325
78$36,055,790$4,605,964$2,036,971$27,089,420
79$39,634,001$4,732,176$2,005,730$29,672,727
80$43,574,055$4,861,439$1,970,308$32,515,148
81$47,912,762$4,993,803$1,930,467$35,643,019
82$52,690,684$5,129,319$1,885,957$39,085,364
83$57,952,514$5,268,037$1,836,518$42,874,163
84$63,747,503$5,410,003$1,781,874$47,044,661
85$70,129,922$5,555,267$1,721,740$51,635,693
86$77,159,574$5,703,875$1,655,818$56,690,056
87$84,902,356$5,855,870$1,583,794$62,254,911
88$93,430,886$6,011,298$1,505,341$68,382,227
89$102,825,184$6,170,198$1,420,117$75,129,276
90$113,173,427$6,332,612$1,327,765$82,559,167
91$124,572,782$6,498,577$1,227,911$90,741,449
92$137,130,326$6,668,127$1,120,166$99,752,763
93$150,964,050$6,841,295$1,004,122$109,677,563
94$166,203,976$7,018,111$879,353$120,608,923
95$182,993,384$7,198,602$745,414$132,649,406
96$201,490,165$7,382,789$601,841$145,912,036
97$221,868,309$7,570,693$448,150$160,521,367
98$244,319,547$7,762,327$283,833$176,614,656
99$269,055,162$7,957,703$108,363$194,343,159
100$296,307,983$8,156,825$0$213,873,562