Can I retire at age 45 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$157,726$156,321$154,950$153,612$152,306$146,437
2 years$78,082$76,628$75,219$73,852$72,527$66,683
3 years$51,538$50,077$48,671$47,318$46,014$40,381
4 years$38,268$36,812$35,420$34,090$32,818$27,437
5 years$30,308$28,861$27,488$26,184$24,947$19,834
6 years$25,004$23,567$22,214$20,940$19,740$14,896
7 years$21,216$19,792$18,460$17,216$16,054$11,479
8 years$18,377$16,965$15,656$14,442$13,318$9,007
9 years$16,169$14,771$13,484$12,301$11,216$7,163
10 years$14,405$13,020$11,756$10,604$9,557$5,754
11 years$12,962$11,591$10,350$9,228$8,219$4,658
12 years$11,760$10,404$9,185$8,095$7,122$3,794
13 years$10,744$9,402$8,206$7,146$6,211$3,105
14 years$9,874$8,546$7,373$6,344$5,444$2,551
15 years$9,121$7,807$6,657$5,657$4,794$2,102
16 years$8,462$7,163$6,036$5,066$4,237$1,737
17 years$7,882$6,597$5,492$4,551$3,756$1,438
18 years$7,366$6,095$5,014$4,102$3,340$1,192
19 years$6,906$5,649$4,590$3,706$2,977$990
20 years$6,491$5,250$4,212$3,357$2,659$823
21 years$6,117$4,890$3,874$3,046$2,380$685
22 years$5,778$4,564$3,571$2,770$2,133$571
23 years$5,468$4,269$3,297$2,523$1,915$476
24 years$5,185$4,000$3,049$2,301$1,721$397
25 years$4,924$3,754$2,824$2,101$1,549$331
26 years$4,684$3,528$2,619$1,921$1,395$276
27 years$4,463$3,320$2,432$1,759$1,258$230
28 years$4,257$3,128$2,261$1,611$1,135$192
29 years$4,066$2,951$2,104$1,478$1,025$161
30 years$3,888$2,787$1,960$1,356$926$134
31 years$3,722$2,635$1,827$1,245$837$112
32 years$3,566$2,493$1,705$1,145$757$94
33 years$3,421$2,361$1,592$1,052$685$78
34 years$3,284$2,238$1,487$968$620$65
35 years$3,155$2,122$1,391$891$562$55
36 years$3,034$2,014$1,301$821$509$46
37 years$2,919$1,913$1,218$756$461$38
38 years$2,811$1,818$1,140$697$418$32
39 years$2,708$1,729$1,068$643$379$27
40 years$2,611$1,645$1,001$593$344$22
41 years$2,519$1,566$939$547$312$19
42 years$2,432$1,491$881$505$283$16
43 years$2,349$1,421$826$466$257$13
44 years$2,269$1,354$776$430$233$11
45 years$2,194$1,292$728$397$212$9
46 years$2,122$1,232$684$367$192$8
47 years$2,053$1,176$643$339$175$6
48 years$1,988$1,122$604$313$159$5
49 years$1,925$1,072$568$290$144$4
50 years$1,865$1,024$534$268$131$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $1,910,000, adding $3,652 every year, while hoping to spend $36,631 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: 51/35/14 Blend
44$1,910,000$1,910,000$1,910,000$1,910,000
45$2,108,587$2,007,357$1,977,752$2,207,952
46$2,284,688$2,066,742$2,005,032$2,335,831
47$2,477,523$2,127,810$2,031,997$2,470,622
48$2,688,761$2,190,603$2,058,600$2,616,339
49$2,920,239$2,255,168$2,084,788$2,774,025
50$3,173,981$2,321,548$2,110,505$2,944,825
51$3,452,214$2,389,791$2,135,694$3,130,000
52$3,757,394$2,459,944$2,160,294$3,330,939
53$4,092,223$2,532,056$2,184,238$3,549,170
54$4,459,679$2,606,176$2,207,460$3,786,373
55$4,863,042$2,682,355$2,229,885$4,044,401
56$5,305,925$2,760,643$2,251,439$4,325,292
57$5,792,308$2,841,094$2,272,041$4,631,291
58$6,326,575$2,923,759$2,291,607$4,964,869
59$6,913,557$3,008,694$2,310,046$5,328,748
60$7,558,573$3,095,953$2,327,266$5,725,924
61$8,267,485$3,185,593$2,343,167$6,159,699
62$9,046,752$3,277,670$2,357,647$6,633,708
63$9,903,487$3,372,242$2,370,594$7,151,955
64$10,845,529$3,469,369$2,381,896$7,718,850
65$11,881,514$3,569,108$2,391,430$8,339,252
66$13,020,956$3,671,523$2,399,071$9,018,512
67$14,274,338$3,776,672$2,404,684$9,762,524
68$15,653,211$3,884,619$2,408,131$10,577,783
69$17,170,300$3,995,426$2,409,265$11,471,444
70$18,839,626$4,109,158$2,407,931$12,451,387
71$20,676,639$4,225,878$2,403,968$13,526,296
72$22,698,361$4,345,651$2,397,206$14,705,738
73$24,923,550$4,468,544$2,387,468$16,000,253
74$27,372,871$4,594,622$2,374,568$17,421,453
75$30,069,098$4,723,952$2,358,309$18,982,133
76$33,037,321$4,856,601$2,338,488$20,696,391
77$36,305,191$4,992,637$2,314,890$22,579,760
78$39,903,172$5,132,128$2,287,290$24,649,356
79$43,864,835$5,275,142$2,255,454$26,924,035
80$48,227,171$5,421,746$2,219,135$29,424,579
81$53,030,941$5,572,011$2,178,074$32,173,882
82$58,321,061$5,726,003$2,132,004$35,197,176
83$64,147,023$5,883,791$2,080,640$38,522,260
84$70,563,365$6,045,443$2,023,687$42,179,769
85$77,630,185$6,211,026$1,960,838$46,203,458
86$85,413,706$6,380,608$1,891,767$50,630,524
87$93,986,900$6,554,254$1,816,138$55,501,956
88$103,430,182$6,732,031$1,733,596$60,862,920
89$113,832,162$6,914,002$1,643,773$66,763,188
90$125,290,485$7,100,230$1,546,282$73,257,607
91$137,912,751$7,290,779$1,440,719$80,406,614
92$151,817,532$7,485,707$1,326,664$88,276,810
93$167,135,487$7,685,073$1,203,674$96,941,587
94$184,010,599$7,888,935$1,071,290$106,481,820
95$202,601,533$8,097,345$929,030$116,986,633
96$223,083,130$8,310,356$776,394$128,554,237
97$245,648,062$8,528,016$612,855$141,292,859
98$270,508,646$8,750,370$437,868$155,321,764
99$297,898,851$8,977,461$250,859$170,772,380
100$328,076,504$9,209,327$51,233$187,789,539