Can I retire at age 45 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$429,411$425,586$421,854$418,212$414,655$406,616
2 years$212,580$208,621$204,784$201,063$197,455$189,388
3 years$140,312$136,336$132,509$128,823$125,274$117,430
4 years$104,185$100,221$96,432$92,810$89,346$81,788
5 years$82,515$78,575$74,835$71,287$67,919$60,667
6 years$68,073$64,162$60,478$57,009$53,742$46,804
7 years$57,761$53,883$50,258$46,870$43,707$37,084
8 years$50,031$46,188$42,622$39,318$36,259$29,950
9 years$44,021$40,215$36,711$33,490$30,535$24,536
10 years$39,217$35,447$32,005$28,869$26,018$20,322
11 years$35,288$31,557$28,177$25,125$22,376$16,978
12 years$32,017$28,324$25,006$22,038$19,391$14,282
13 years$29,251$25,596$22,341$19,456$16,909$12,082
14 years$26,882$23,266$20,074$17,271$14,822$10,267
15 years$24,831$21,254$18,124$15,403$13,051$8,759
16 years$23,038$19,500$16,432$13,791$11,534$7,495
17 years$21,458$17,959$14,953$12,391$10,227$6,431
18 years$20,054$16,595$13,650$11,167$9,093$5,531
19 years$18,800$15,380$12,496$10,090$8,105$4,766
20 years$17,673$14,292$11,468$9,139$7,240$4,113
21 years$16,655$13,312$10,548$8,294$6,479$3,554
22 years$15,730$12,427$9,722$7,541$5,807$3,075
23 years$14,887$11,622$8,976$6,868$5,213$2,664
24 years$14,115$10,889$8,302$6,264$4,686$2,309
25 years$13,406$10,219$7,689$5,721$4,216$2,003
26 years$12,753$9,604$7,131$5,231$3,798$1,739
27 years$12,149$9,039$6,622$4,788$3,424$1,511
28 years$11,590$8,517$6,156$4,387$3,090$1,313
29 years$11,070$8,035$5,729$4,023$2,790$1,141
30 years$10,585$7,588$5,336$3,692$2,521$993
31 years$10,133$7,173$4,975$3,391$2,279$864
32 years$9,709$6,787$4,641$3,116$2,062$751
33 years$9,312$6,428$4,334$2,865$1,866$654
34 years$8,940$6,092$4,049$2,636$1,689$569
35 years$8,589$5,778$3,786$2,427$1,530$496
36 years$8,259$5,484$3,541$2,235$1,386$432
37 years$7,947$5,209$3,315$2,059$1,256$376
38 years$7,652$4,950$3,104$1,898$1,139$328
39 years$7,373$4,707$2,908$1,750$1,033$285
40 years$7,109$4,479$2,726$1,614$937$249
41 years$6,859$4,263$2,556$1,489$850$217
42 years$6,620$4,060$2,398$1,375$771$189
43 years$6,394$3,869$2,250$1,269$700$165
44 years$6,178$3,688$2,112$1,172$635$143
45 years$5,973$3,516$1,983$1,082$577$125
46 years$5,777$3,354$1,862$999$524$109
47 years$5,590$3,201$1,750$923$476$95
48 years$5,411$3,056$1,644$853$432$83
49 years$5,241$2,918$1,545$789$392$72
50 years$5,077$2,788$1,453$729$356$63

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $5,200,000, adding $3,017 every year, while hoping to spend $27,184 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: 61/30/9 Blend
44$5,200,000$5,200,000$5,200,000$5,200,000
45$5,733,512$5,457,912$5,377,312$6,071,708
46$6,289,407$5,696,426$5,528,528$6,537,078
47$6,901,092$5,945,716$5,683,899$7,041,241
48$7,574,228$6,206,282$5,843,536$7,590,661
49$8,315,056$6,478,646$6,007,550$8,189,706
50$9,130,448$6,763,356$6,176,059$8,843,181
51$10,027,978$7,060,985$6,349,182$9,556,369
52$11,015,993$7,372,134$6,527,041$10,335,079
53$12,103,688$7,697,432$6,709,760$11,185,704
54$13,301,195$8,037,538$6,897,468$12,115,274
55$14,619,681$8,393,141$7,090,297$13,131,524
56$16,071,448$8,764,964$7,288,382$14,242,964
57$17,670,052$9,153,765$7,491,859$15,458,960
58$19,430,433$9,560,334$7,700,872$16,789,814
59$21,369,051$9,985,504$7,915,565$18,246,868
60$23,504,044$10,430,144$8,136,086$19,842,602
61$25,855,400$10,895,165$8,362,589$21,590,753
62$28,445,144$11,381,521$8,595,228$23,506,442
63$31,297,545$11,890,211$8,834,165$25,606,312
64$34,439,347$12,422,285$9,079,562$27,908,687
65$37,900,021$12,978,837$9,331,588$30,433,737
66$41,712,041$13,561,018$9,590,414$33,203,672
67$45,911,193$14,170,032$9,856,217$36,242,942
68$50,536,911$14,807,140$10,129,177$39,578,469
69$55,632,650$15,473,664$10,409,478$43,239,898
70$61,246,295$16,170,988$10,697,310$47,259,871
71$67,430,614$16,900,563$10,992,867$51,674,336
72$74,243,755$17,663,909$11,296,346$56,522,877
73$81,749,795$18,462,618$11,607,951$61,849,088
74$90,019,347$19,298,359$11,927,890$67,700,982
75$99,130,222$20,172,880$12,256,376$74,131,434
76$109,168,167$21,088,013$12,593,627$81,198,682
77$120,227,672$22,045,678$12,939,865$88,966,869
78$132,412,864$23,047,885$13,295,320$97,506,646
79$145,838,487$24,096,743$13,660,224$106,895,832
80$160,630,988$25,194,459$14,034,817$117,220,144
81$176,929,709$26,343,347$14,419,344$128,574,001
82$194,888,202$27,545,834$14,814,055$141,061,412
83$214,675,679$28,804,460$15,219,206$154,796,947
84$236,478,608$30,121,888$15,635,059$169,906,816
85$260,502,475$31,500,910$16,061,882$186,530,056
86$286,973,723$32,944,450$16,499,951$204,819,831
87$316,141,887$34,455,573$16,949,544$224,944,876
88$348,281,955$36,037,491$17,410,949$247,091,079
89$383,696,959$37,693,572$17,884,460$271,463,233
90$422,720,835$39,427,344$18,370,376$298,286,955
91$465,721,581$41,242,504$18,869,004$327,810,812
92$513,104,724$43,142,928$19,380,657$360,308,658
93$565,317,153$45,132,679$19,905,656$396,082,207
94$622,851,336$47,216,014$20,444,329$435,463,879
95$686,249,968$49,397,395$20,997,010$478,819,918
96$756,111,096$51,681,499$21,564,042$526,553,849
97$833,093,764$54,073,228$22,145,774$579,110,268
98$917,924,234$56,577,722$22,742,562$636,979,035
99$1,011,402,840$59,200,365$23,354,773$700,699,880
100$1,114,411,550$61,946,803$23,982,778$770,867,489