Can I retire at age 45 with 2,550,000?

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 $2,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$210,577$208,701$206,871$205,085$203,341$199,072
2 years$104,246$102,304$100,423$98,598$96,829$92,549
3 years$68,807$66,857$64,980$63,173$61,432$57,274
4 years$51,091$49,147$47,289$45,513$43,814$39,809
5 years$40,464$38,532$36,698$34,958$33,307$29,467
6 years$33,382$31,464$29,658$27,956$26,354$22,684
7 years$28,325$26,424$24,646$22,984$21,433$17,933
8 years$24,534$22,650$20,901$19,281$17,781$14,449
9 years$21,587$19,721$18,002$16,423$14,974$11,809
10 years$19,231$17,383$15,695$14,157$12,759$9,757
11 years$17,305$15,475$13,818$12,321$10,973$8,131
12 years$15,701$13,889$12,263$10,807$9,509$6,822
13 years$14,344$12,552$10,956$9,541$8,292$5,756
14 years$13,183$11,409$9,844$8,469$7,269$4,878
15 years$12,177$10,423$8,888$7,553$6,400$4,150
16 years$11,297$9,563$8,058$6,763$5,656$3,541
17 years$10,522$8,807$7,332$6,077$5,015$3,030
18 years$9,834$8,138$6,694$5,476$4,459$2,598
19 years$9,219$7,542$6,128$4,948$3,975$2,232
20 years$8,667$7,009$5,624$4,482$3,550$1,920
21 years$8,167$6,528$5,173$4,067$3,177$1,655
22 years$7,714$6,094$4,767$3,698$2,848$1,427
23 years$7,300$5,699$4,402$3,368$2,556$1,232
24 years$6,922$5,340$4,071$3,072$2,298$1,065
25 years$6,574$5,011$3,771$2,805$2,068$921
26 years$6,254$4,710$3,497$2,565$1,862$797
27 years$5,958$4,433$3,247$2,348$1,679$690
28 years$5,683$4,177$3,019$2,151$1,515$598
29 years$5,428$3,940$2,809$1,973$1,368$518
30 years$5,191$3,721$2,617$1,810$1,236$449
31 years$4,969$3,518$2,439$1,663$1,118$389
32 years$4,761$3,328$2,276$1,528$1,011$338
33 years$4,567$3,152$2,125$1,405$915$293
34 years$4,384$2,988$1,986$1,293$828$254
35 years$4,212$2,834$1,856$1,190$750$221
36 years$4,050$2,690$1,737$1,096$680$191
37 years$3,897$2,554$1,625$1,010$616$166
38 years$3,753$2,428$1,522$931$559$144
39 years$3,616$2,308$1,426$858$507$125
40 years$3,486$2,196$1,337$792$459$109
41 years$3,363$2,091$1,253$730$417$94
42 years$3,247$1,991$1,176$674$378$82
43 years$3,135$1,897$1,103$622$343$71
44 years$3,030$1,808$1,036$575$312$62
45 years$2,929$1,724$972$531$283$54
46 years$2,833$1,645$913$490$257$47
47 years$2,741$1,570$858$453$233$41
48 years$2,654$1,499$806$418$212$35
49 years$2,570$1,431$758$387$192$31
50 years$2,490$1,367$713$357$175$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $2,550,000, adding $2,496 every year, while hoping to spend $50,514 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: 77/6/17 Blend
44$2,550,000$2,550,000$2,550,000$2,550,000
45$2,812,675$2,677,525$2,638,000$3,018,449
46$3,045,821$2,754,977$2,672,626$3,232,152
47$3,301,055$2,834,531$2,706,720$3,459,873
48$3,580,577$2,916,237$2,740,209$3,708,237
49$3,886,809$3,000,146$2,773,019$3,979,289
50$4,222,418$3,086,308$2,805,069$4,275,283
51$4,590,342$3,174,775$2,836,277$4,598,700
52$4,993,818$3,265,600$2,866,554$4,952,274
53$5,436,410$3,358,836$2,895,805$5,339,016
54$5,922,042$3,454,537$2,923,933$5,762,243
55$6,455,038$3,552,758$2,950,833$6,225,609
56$7,040,163$3,653,553$2,976,396$6,733,141
57$7,682,661$3,756,979$3,000,507$7,289,274
58$8,388,313$3,863,092$3,023,045$7,898,894
59$9,163,485$3,971,947$3,043,881$8,567,384
60$10,015,190$4,083,603$3,062,881$9,300,677
61$10,951,157$4,198,116$3,079,904$10,105,308
62$11,979,896$4,315,545$3,094,802$10,988,478
63$13,110,785$4,435,947$3,107,418$11,958,120
64$14,354,157$4,559,380$3,117,588$13,022,976
65$15,721,394$4,685,902$3,125,140$14,192,680
66$17,225,037$4,815,573$3,129,893$15,477,844
67$18,878,904$4,948,449$3,131,658$16,890,163
68$20,698,217$5,084,588$3,130,234$18,442,526
69$22,699,752$5,224,049$3,125,413$20,149,130
70$24,901,988$5,366,889$3,116,976$22,025,624
71$27,325,288$5,513,164$3,104,692$24,089,250
72$29,992,088$5,662,930$3,088,320$26,359,008
73$32,927,110$5,816,242$3,067,608$28,855,832
74$36,157,593$5,973,156$3,042,290$31,602,796
75$39,713,551$6,133,724$3,012,090$34,625,320
76$43,628,055$6,297,998$2,976,717$37,951,420
77$47,937,545$6,466,029$2,935,866$41,611,968
78$52,682,176$6,637,865$2,889,218$45,640,982
79$57,906,191$6,813,554$2,836,440$50,075,951
80$63,658,344$6,993,140$2,777,183$54,958,186
81$69,992,358$7,176,666$2,711,081$60,333,211
82$76,967,427$7,364,172$2,637,751$66,251,191
83$84,648,784$7,555,695$2,556,794$72,767,411
84$93,108,305$7,751,269$2,467,792$79,942,790
85$102,425,195$7,950,924$2,370,306$87,844,462
86$112,686,733$8,154,688$2,263,880$96,546,409
87$123,989,095$8,362,582$2,148,035$106,130,157
88$136,438,259$8,574,626$2,022,271$116,685,547
89$150,151,010$8,790,831$1,886,065$128,311,585
90$165,256,037$9,011,205$1,738,872$141,117,374
91$181,895,150$9,235,751$1,580,121$155,223,145
92$200,224,616$9,464,465$1,409,217$170,761,395
93$220,416,638$9,697,334$1,225,536$187,878,132
94$242,660,972$9,934,341$1,028,429$206,734,261
95$267,166,727$10,175,459$817,217$227,507,095
96$294,164,330$10,420,653$591,191$250,392,036
97$323,907,706$10,669,880$349,610$275,604,419
98$356,676,674$10,923,085$91,703$303,381,539
99$392,779,583$11,180,204$0$333,984,902
100$432,556,228$11,441,162$0$367,735,974