Can I retire at age 45 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$149,468$148,137$146,838$145,570$144,332$140,444
2 years$73,994$72,616$71,280$69,986$68,729$64,840
3 years$48,839$47,455$46,123$44,840$43,605$39,836
4 years$36,265$34,885$33,566$32,305$31,099$27,480
5 years$28,722$27,350$26,048$24,813$23,641$20,181
6 years$23,695$22,333$21,051$19,843$18,706$15,409
7 years$20,105$18,756$17,494$16,314$15,213$12,079
8 years$17,414$16,077$14,836$13,686$12,621$9,648
9 years$15,323$13,998$12,778$11,657$10,629$7,814
10 years$13,650$12,338$11,140$10,049$9,056$6,396
11 years$12,283$10,984$9,808$8,745$7,789$5,279
12 years$11,144$9,859$8,704$7,671$6,749$4,386
13 years$10,182$8,909$7,777$6,772$5,886$3,664
14 years$9,357$8,098$6,987$6,012$5,159$3,073
15 years$8,643$7,398$6,309$5,361$4,543$2,587
16 years$8,019$6,788$5,720$4,800$4,015$2,184
17 years$7,469$6,251$5,205$4,313$3,560$1,849
18 years$6,980$5,776$4,751$3,887$3,165$1,568
19 years$6,544$5,353$4,349$3,512$2,821$1,332
20 years$6,152$4,975$3,992$3,181$2,520$1,133
21 years$5,797$4,634$3,672$2,887$2,255$965
22 years$5,475$4,325$3,384$2,625$2,021$823
23 years$5,182$4,045$3,124$2,391$1,815$702
24 years$4,913$3,790$2,890$2,180$1,631$600
25 years$4,666$3,557$2,676$1,991$1,468$512
26 years$4,439$3,343$2,482$1,821$1,322$438
27 years$4,229$3,146$2,305$1,666$1,192$375
28 years$4,034$2,965$2,143$1,527$1,075$321
29 years$3,853$2,797$1,994$1,400$971$274
30 years$3,684$2,641$1,857$1,285$877$235
31 years$3,527$2,497$1,732$1,180$793$201
32 years$3,380$2,363$1,616$1,085$718$172
33 years$3,241$2,237$1,508$997$649$148
34 years$3,112$2,121$1,409$918$588$127
35 years$2,990$2,011$1,318$845$533$108
36 years$2,875$1,909$1,233$778$483$93
37 years$2,766$1,813$1,154$717$437$80
38 years$2,664$1,723$1,080$661$396$68
39 years$2,567$1,639$1,012$609$360$59
40 years$2,475$1,559$949$562$326$50
41 years$2,387$1,484$890$518$296$43
42 years$2,304$1,413$835$478$268$37
43 years$2,226$1,347$783$442$244$32
44 years$2,151$1,284$735$408$221$27
45 years$2,079$1,224$690$377$201$23
46 years$2,011$1,168$648$348$182$20
47 years$1,946$1,114$609$321$166$17
48 years$1,884$1,064$572$297$150$15
49 years$1,824$1,016$538$274$137$13
50 years$1,767$970$506$254$124$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,810,000, adding $4,038 every year, while hoping to spend $47,647 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: 46/45/9 Blend
44$1,810,000$1,810,000$1,810,000$1,810,000
45$1,998,785$1,902,855$1,874,800$2,085,552
46$2,151,965$1,945,399$1,886,910$2,188,360
47$2,319,173$1,988,431$1,897,828$2,294,565
48$2,501,788$2,031,924$1,907,466$2,408,682
49$2,701,331$2,075,849$1,915,726$2,531,460
50$2,919,475$2,120,173$1,922,511$2,663,722
51$3,158,062$2,164,862$1,927,716$2,806,376
52$3,419,119$2,209,875$1,931,229$2,960,421
53$3,704,882$2,255,171$1,932,938$3,126,959
54$4,017,807$2,300,702$1,932,719$3,307,202
55$4,360,605$2,346,418$1,930,446$3,502,489
56$4,736,256$2,392,262$1,925,986$3,714,292
57$5,148,047$2,438,176$1,919,199$3,944,236
58$5,599,594$2,484,093$1,909,938$4,194,110
59$6,094,882$2,529,942$1,898,050$4,465,886
60$6,638,299$2,575,649$1,883,375$4,761,737
61$7,234,680$2,621,130$1,865,742$5,084,061
62$7,889,349$2,666,297$1,844,975$5,435,498
63$8,608,171$2,711,054$1,820,890$5,818,960
64$9,397,607$2,755,298$1,793,293$6,237,654
65$10,264,774$2,798,919$1,761,980$6,695,119
66$11,217,515$2,841,800$1,726,740$7,195,253
67$12,264,465$2,883,812$1,687,349$7,742,354
68$13,415,141$2,924,819$1,643,576$8,341,162
69$14,680,027$2,964,677$1,595,178$8,996,898
70$16,070,672$3,003,229$1,541,899$9,715,321
71$17,599,802$3,040,308$1,483,473$10,502,778
72$19,281,435$3,075,736$1,419,623$11,366,266
73$21,131,018$3,109,324$1,350,057$12,313,499
74$23,165,569$3,140,868$1,274,471$13,352,979
75$25,403,839$3,170,153$1,192,548$14,494,080
76$27,866,487$3,196,946$1,103,954$15,747,136
77$30,576,276$3,221,004$1,008,344$17,123,536
78$33,558,286$3,242,063$905,354$18,635,839
79$36,840,154$3,259,847$794,606$20,297,887
80$40,452,328$3,274,057$675,703$22,124,939
81$44,428,360$3,284,381$548,233$24,133,815
82$48,805,218$3,290,481$411,765$26,343,059
83$53,623,639$3,292,003$265,848$28,773,110
84$58,928,508$3,288,569$110,012$31,446,500
85$64,769,284$3,279,778$0$34,388,067
86$71,200,467$3,265,202$0$37,630,593
87$78,282,109$3,244,391$0$41,210,479
88$86,080,383$3,216,865$0$45,150,467
89$94,668,206$3,182,116$0$49,487,279
90$104,125,927$3,139,603$0$54,261,391
91$114,542,085$3,088,757$0$59,517,417
92$126,014,243$3,028,972$0$65,304,526
93$138,649,911$2,959,607$0$71,676,915
94$152,567,556$2,879,982$0$78,694,317
95$167,897,726$2,789,380$0$86,422,569
96$184,784,273$2,687,039$0$94,934,234
97$203,385,719$2,572,154$0$104,309,289
98$223,876,746$2,443,873$0$114,635,882
99$246,449,847$2,301,296$0$126,011,166
100$271,317,141$2,143,469$0$138,542,219