Can I retire at age 45 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$151,120$149,774$148,460$147,178$145,927$143,805
2 years$74,812$73,418$72,068$70,759$69,489$67,356
3 years$49,379$47,980$46,633$45,336$44,087$42,009
4 years$36,665$35,270$33,937$32,662$31,443$29,436
5 years$29,039$27,652$26,336$25,088$23,902$21,972
6 years$23,956$22,580$21,284$20,063$18,913$17,062
7 years$20,327$18,963$17,687$16,495$15,381$13,610
8 years$17,607$16,255$15,000$13,837$12,760$11,068
9 years$15,492$14,153$12,919$11,786$10,746$9,132
10 years$13,801$12,475$11,263$10,160$9,156$7,620
11 years$12,419$11,106$9,916$8,842$7,875$6,414
12 years$11,267$9,968$8,800$7,756$6,824$5,437
13 years$10,294$9,008$7,862$6,847$5,951$4,636
14 years$9,460$8,188$7,064$6,078$5,216$3,972
15 years$8,739$7,480$6,378$5,421$4,593$3,416
16 years$8,108$6,863$5,783$4,853$4,059$2,948
17 years$7,551$6,320$5,262$4,361$3,599$2,552
18 years$7,058$5,840$4,804$3,930$3,200$2,213
19 years$6,616$5,413$4,398$3,551$2,852$1,924
20 years$6,220$5,030$4,036$3,216$2,548$1,675
21 years$5,861$4,685$3,712$2,919$2,280$1,461
22 years$5,536$4,373$3,421$2,654$2,044$1,276
23 years$5,239$4,090$3,159$2,417$1,835$1,115
24 years$4,967$3,832$2,922$2,204$1,649$976
25 years$4,718$3,596$2,706$2,013$1,484$855
26 years$4,488$3,380$2,510$1,841$1,337$749
27 years$4,276$3,181$2,330$1,685$1,205$657
28 years$4,079$2,997$2,166$1,544$1,087$577
29 years$3,896$2,828$2,016$1,416$982$506
30 years$3,725$2,670$1,878$1,299$887$445
31 years$3,566$2,524$1,751$1,193$802$391
32 years$3,417$2,389$1,633$1,097$726$343
33 years$3,277$2,262$1,525$1,008$657$302
34 years$3,146$2,144$1,425$928$594$266
35 years$3,023$2,034$1,332$854$538$234
36 years$2,906$1,930$1,246$787$488$206
37 years$2,797$1,833$1,167$725$442$181
38 years$2,693$1,742$1,092$668$401$159
39 years$2,595$1,657$1,023$616$364$140
40 years$2,502$1,576$959$568$330$123
41 years$2,414$1,500$899$524$299$109
42 years$2,330$1,429$844$484$271$96
43 years$2,250$1,361$792$447$246$84
44 years$2,174$1,298$743$412$224$74
45 years$2,102$1,237$698$381$203$65
46 years$2,033$1,181$655$352$184$57
47 years$1,967$1,127$616$325$167$51
48 years$1,904$1,075$579$300$152$45
49 years$1,844$1,027$544$278$138$39
50 years$1,787$981$511$257$125$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,830,000, adding $5,718 every year, while hoping to spend $35,584 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: 47/38/15 Blend
44$1,830,000$1,830,000$1,830,000$1,830,000
45$2,022,558$1,925,568$1,897,203$2,108,825
46$2,190,998$1,982,060$1,922,898$2,225,702
47$2,375,426$2,040,127$1,948,262$2,348,389
48$2,577,436$2,099,809$1,973,245$2,480,769
49$2,798,781$2,161,147$1,997,795$2,623,760
50$3,041,395$2,224,182$2,021,860$2,778,370
51$3,307,405$2,288,955$2,045,380$2,945,711
52$3,599,156$2,355,509$2,068,296$3,127,002
53$3,919,229$2,423,888$2,090,543$3,323,589
54$4,270,467$2,494,135$2,112,053$3,536,952
55$4,656,004$2,566,296$2,132,755$3,768,721
56$5,079,288$2,640,417$2,152,574$4,020,688
57$5,544,121$2,716,543$2,171,431$4,294,829
58$6,054,689$2,794,722$2,189,242$4,593,317
59$6,615,606$2,875,001$2,205,920$4,918,549
60$7,231,950$2,957,429$2,221,371$5,273,159
61$7,909,321$3,042,055$2,235,499$5,660,052
62$8,653,885$3,128,928$2,248,201$6,082,425
63$9,472,435$3,218,100$2,259,370$6,543,803
64$10,372,457$3,309,620$2,268,892$7,048,062
65$11,362,196$3,403,540$2,276,649$7,599,478
66$12,450,739$3,499,913$2,282,516$8,202,758
67$13,648,096$3,598,790$2,286,361$8,863,086
68$14,965,296$3,700,225$2,288,049$9,586,176
69$16,414,491$3,804,270$2,287,433$10,378,320
70$18,009,070$3,910,980$2,284,362$11,246,451
71$19,763,785$4,020,409$2,278,679$12,198,207
72$21,694,891$4,132,609$2,270,215$13,242,003
73$23,820,300$4,247,636$2,258,796$14,387,110
74$26,159,744$4,365,544$2,244,240$15,643,743
75$28,734,970$4,486,388$2,226,354$17,023,157
76$31,569,937$4,610,221$2,204,937$18,537,752
77$34,691,047$4,737,098$2,179,779$20,201,192
78$38,127,391$4,867,073$2,150,658$22,028,531
79$41,911,024$5,000,199$2,117,345$24,036,359
80$46,077,269$5,136,529$2,079,597$26,242,953
81$50,665,048$5,276,117$2,037,160$28,668,456
82$55,717,249$5,419,012$1,989,771$31,335,061
83$61,281,132$5,565,267$1,937,152$34,267,222
84$67,408,773$5,714,932$1,879,013$37,491,888
85$74,157,559$5,868,054$1,815,050$41,038,753
86$81,590,723$6,024,682$1,744,948$44,940,539
87$89,777,947$6,184,861$1,668,373$49,233,305
88$98,796,013$6,348,635$1,584,980$53,956,782
89$108,729,535$6,516,047$1,494,405$59,154,757
90$119,671,751$6,687,136$1,396,271$64,875,478
91$131,725,404$6,861,941$1,290,181$71,172,116
92$145,003,715$7,040,495$1,175,721$78,103,260
93$159,631,446$7,222,832$1,052,460$85,733,478
94$175,746,083$7,408,980$919,947$94,133,919
95$193,499,128$7,598,965$777,710$103,382,990
96$213,057,532$7,792,807$625,256$113,567,096
97$234,605,271$7,990,525$462,072$124,781,451
98$258,345,078$8,192,131$287,622$137,130,982
99$284,500,364$8,397,633$101,345$150,731,318
100$313,317,317$8,607,033$0$165,709,882