Can I retire at age 46 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$144,513$143,226$141,970$140,744$139,547$137,747
2 years$71,541$70,209$68,918$67,666$66,451$64,639
3 years$47,220$45,882$44,594$43,354$42,159$40,393
4 years$35,062$33,728$32,453$31,234$30,068$28,361
5 years$27,769$26,443$25,185$23,991$22,858$21,214
6 years$22,909$21,593$20,353$19,186$18,086$16,509
7 years$19,439$18,134$16,914$15,774$14,709$13,198
8 years$16,837$15,544$14,344$13,232$12,203$10,758
9 years$14,815$13,534$12,355$11,271$10,276$8,898
10 years$13,198$11,929$10,771$9,716$8,756$7,442
11 years$11,876$10,620$9,483$8,455$7,530$6,280
12 years$10,775$9,532$8,416$7,417$6,526$5,337
13 years$9,844$8,614$7,519$6,548$5,691$4,563
14 years$9,047$7,830$6,756$5,812$4,988$3,920
15 years$8,357$7,153$6,099$5,184$4,392$3,381
16 years$7,753$6,563$5,530$4,641$3,882$2,926
17 years$7,221$6,044$5,032$4,170$3,442$2,539
18 years$6,749$5,585$4,594$3,758$3,060$2,209
19 years$6,327$5,176$4,205$3,396$2,728$1,926
20 years$5,948$4,810$3,859$3,076$2,436$1,682
21 years$5,605$4,480$3,550$2,791$2,180$1,471
22 years$5,294$4,182$3,272$2,538$1,954$1,289
23 years$5,010$3,911$3,021$2,311$1,754$1,130
24 years$4,750$3,665$2,794$2,108$1,577$992
25 years$4,512$3,439$2,588$1,925$1,419$872
26 years$4,292$3,232$2,400$1,760$1,278$766
27 years$4,089$3,042$2,229$1,611$1,152$674
28 years$3,900$2,866$2,072$1,476$1,040$594
29 years$3,725$2,704$1,928$1,354$939$523
30 years$3,562$2,554$1,796$1,242$848$461
31 years$3,410$2,414$1,674$1,141$767$406
32 years$3,268$2,284$1,562$1,049$694$358
33 years$3,134$2,163$1,458$964$628$316
34 years$3,009$2,050$1,363$887$568$279
35 years$2,891$1,945$1,274$817$515$246
36 years$2,779$1,846$1,192$752$467$217
37 years$2,674$1,753$1,116$693$423$192
38 years$2,575$1,666$1,045$639$383$169
39 years$2,481$1,584$979$589$348$150
40 years$2,393$1,507$917$543$315$132
41 years$2,308$1,435$860$501$286$117
42 years$2,228$1,366$807$463$260$103
43 years$2,152$1,302$757$427$236$91
44 years$2,079$1,241$711$394$214$81
45 years$2,010$1,183$667$364$194$71
46 years$1,944$1,129$627$336$176$63
47 years$1,881$1,077$589$311$160$56
48 years$1,821$1,028$553$287$145$49
49 years$1,764$982$520$265$132$43
50 years$1,709$938$489$245$120$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,750,000, adding $4,614 every year, while hoping to spend $26,351 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: 64/20/16 Blend
45$1,750,000$1,750,000$1,750,000$1,750,000
46$1,933,259$1,840,509$1,813,384$2,049,106
47$2,102,415$1,902,657$1,846,095$2,189,494
48$2,287,940$1,966,967$1,879,019$2,339,349
49$2,491,479$2,033,517$1,912,135$2,502,412
50$2,714,839$2,102,388$1,945,420$2,679,972
51$2,960,012$2,173,665$1,978,852$2,873,448
52$3,229,193$2,247,434$2,012,403$3,084,401
53$3,524,799$2,323,787$2,046,047$3,314,551
54$3,849,493$2,402,817$2,079,754$3,565,792
55$4,206,209$2,484,622$2,113,493$3,840,206
56$4,598,177$2,569,304$2,147,231$4,140,090
57$5,028,959$2,656,968$2,180,931$4,467,970
58$5,502,477$2,747,723$2,214,555$4,826,630
59$6,023,051$2,841,683$2,248,064$5,219,134
60$6,595,442$2,938,965$2,281,415$5,648,858
61$7,224,895$3,039,693$2,314,560$6,119,519
62$7,917,189$3,143,993$2,347,453$6,635,211
63$8,678,691$3,251,997$2,380,041$7,200,444
64$9,516,416$3,363,843$2,412,270$7,820,186
65$10,438,092$3,479,672$2,444,083$8,499,908
66$11,452,235$3,599,635$2,475,418$9,245,637
67$12,568,229$3,723,883$2,506,211$10,064,012
68$13,796,413$3,852,577$2,536,393$10,962,348
69$15,148,177$3,985,883$2,565,892$11,948,702
70$16,636,073$4,123,974$2,594,632$13,031,950
71$18,273,933$4,267,029$2,622,532$14,221,872
72$20,076,995$4,415,235$2,649,508$15,529,239
73$22,062,052$4,568,785$2,675,470$16,965,922
74$24,247,607$4,727,880$2,700,324$18,544,998
75$26,654,048$4,892,731$2,723,970$20,280,872
76$29,303,841$5,063,556$2,746,303$22,189,420
77$32,221,742$5,240,579$2,767,213$24,288,129
78$35,435,030$5,424,038$2,786,585$26,596,270
79$38,973,763$5,614,175$2,804,296$29,135,073
80$42,871,065$5,811,248$2,820,217$31,927,931
81$47,163,433$6,015,518$2,834,214$35,000,621
82$51,891,088$6,227,263$2,846,145$38,381,542
83$57,098,348$6,446,769$2,855,860$42,101,988
84$62,834,052$6,674,333$2,863,204$46,196,440
85$69,152,015$6,910,265$2,868,011$50,702,890
86$76,111,541$7,154,888$2,870,109$55,663,204
87$83,777,978$7,408,537$2,869,318$61,123,511
88$92,223,337$7,671,561$2,865,446$67,134,642
89$101,526,974$7,944,324$2,858,294$73,752,608
90$111,776,332$8,227,203$2,847,654$81,039,125
91$123,067,774$8,520,592$2,833,306$89,062,203
92$135,507,486$8,824,899$2,815,021$97,896,781
93$149,212,482$9,140,553$2,792,557$107,625,437
94$164,311,710$9,467,994$2,765,663$118,339,167
95$180,947,265$9,807,687$2,734,073$130,138,240
96$199,275,734$10,160,111$2,697,512$143,133,150
97$219,469,669$10,525,767$2,655,689$157,445,652
98$241,719,222$10,905,176$2,608,301$173,209,915
99$266,233,933$11,298,881$2,555,030$190,573,787
100$293,244,716$11,707,447$2,495,545$209,700,189