Can I retire at age 46 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$146,165$144,863$143,593$142,353$141,142$135,757
2 years$72,359$71,011$69,705$68,439$67,211$61,848
3 years$47,760$46,407$45,104$43,849$42,641$37,471
4 years$35,463$34,114$32,824$31,591$30,412$25,473
5 years$28,087$26,746$25,473$24,265$23,119$18,423
6 years$23,171$21,840$20,586$19,405$18,293$13,845
7 years$19,661$18,341$17,107$15,954$14,877$10,675
8 years$17,030$15,722$14,508$13,383$12,342$8,381
9 years$14,984$13,689$12,496$11,400$10,394$6,669
10 years$13,349$12,066$10,894$9,827$8,856$5,360
11 years$12,012$10,741$9,591$8,552$7,616$4,342
12 years$10,898$9,641$8,512$7,501$6,600$3,539
13 years$9,957$8,713$7,605$6,623$5,756$2,898
14 years$9,150$7,920$6,833$5,879$5,045$2,383
15 years$8,452$7,235$6,169$5,243$4,442$1,965
16 years$7,842$6,638$5,593$4,694$3,926$1,625
17 years$7,304$6,113$5,090$4,218$3,481$1,346
18 years$6,826$5,649$4,646$3,801$3,095$1,117
19 years$6,399$5,235$4,253$3,435$2,759$928
20 years$6,016$4,865$3,904$3,111$2,464$773
21 years$5,669$4,531$3,590$2,823$2,205$643
22 years$5,354$4,230$3,309$2,567$1,977$536
23 years$5,067$3,956$3,055$2,338$1,774$447
24 years$4,805$3,707$2,826$2,132$1,595$373
25 years$4,563$3,478$2,617$1,947$1,435$312
26 years$4,341$3,269$2,427$1,780$1,293$260
27 years$4,135$3,077$2,254$1,630$1,166$217
28 years$3,945$2,899$2,095$1,493$1,052$182
29 years$3,768$2,735$1,950$1,369$950$152
30 years$3,603$2,583$1,816$1,257$858$127
31 years$3,449$2,442$1,693$1,154$776$106
32 years$3,305$2,310$1,580$1,061$702$89
33 years$3,170$2,188$1,475$975$635$74
34 years$3,043$2,074$1,378$897$575$62
35 years$2,924$1,967$1,289$826$521$52
36 years$2,811$1,867$1,205$761$472$43
37 years$2,705$1,773$1,128$701$428$36
38 years$2,605$1,685$1,057$646$388$30
39 years$2,510$1,602$990$596$352$25
40 years$2,420$1,524$928$550$319$21
41 years$2,335$1,451$870$507$289$18
42 years$2,253$1,382$816$468$263$15
43 years$2,176$1,317$766$432$238$12
44 years$2,103$1,255$719$399$216$10
45 years$2,033$1,197$675$368$196$9
46 years$1,966$1,142$634$340$178$7
47 years$1,903$1,090$596$314$162$6
48 years$1,842$1,040$560$290$147$5
49 years$1,784$993$526$268$134$4
50 years$1,728$949$495$248$121$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,770,000, adding $3,682 every year, while hoping to spend $25,069 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: 35/35/30 Blend
45$1,770,000$1,770,000$1,770,000$1,770,000
46$1,954,338$1,860,528$1,833,093$2,004,993
47$2,127,007$1,925,021$1,867,828$2,107,956
48$2,316,449$1,991,833$1,902,887$2,216,477
49$2,524,346$2,061,053$1,938,254$2,333,097
50$2,752,555$2,132,770$1,973,911$2,458,560
51$3,003,120$2,207,080$2,009,841$2,593,683
52$3,278,291$2,284,080$2,046,023$2,739,365
53$3,580,548$2,363,871$2,082,437$2,896,593
54$3,912,623$2,446,560$2,119,058$3,066,452
55$4,277,526$2,532,257$2,155,862$3,250,135
56$4,678,573$2,621,076$2,192,822$3,448,956
57$5,119,415$2,713,137$2,229,909$3,664,358
58$5,604,077$2,808,563$2,267,093$3,897,929
59$6,136,994$2,907,483$2,304,341$4,151,416
60$6,723,049$3,010,031$2,341,618$4,426,742
61$7,367,623$3,116,346$2,378,886$4,726,023
62$8,076,648$3,226,574$2,416,106$5,051,585
63$8,856,655$3,340,865$2,453,234$5,405,992
64$9,714,843$3,459,377$2,490,227$5,792,062
65$10,659,142$3,582,272$2,527,035$6,212,901
66$11,698,292$3,709,720$2,563,607$6,671,926
67$12,841,920$3,841,899$2,599,891$7,172,897
68$14,100,636$3,978,992$2,635,827$7,719,958
69$15,486,129$4,121,191$2,671,356$8,317,669
70$17,011,281$4,268,696$2,706,413$8,971,050
71$18,690,283$4,421,713$2,740,929$9,685,631
72$20,538,775$4,580,460$2,774,833$10,467,502
73$22,573,989$4,745,162$2,808,049$11,323,367
74$24,814,912$4,916,051$2,840,495$12,260,611
75$27,282,469$5,093,373$2,872,087$13,287,369
76$29,999,714$5,277,382$2,902,736$14,412,598
77$32,992,053$5,468,342$2,932,345$15,646,164
78$36,287,480$5,666,528$2,960,816$16,998,936
79$39,916,843$5,872,228$2,988,044$18,482,884
80$43,914,134$6,085,740$3,013,917$20,111,195
81$48,316,811$6,307,377$3,038,318$21,898,394
82$53,166,149$6,537,461$3,061,125$23,860,482
83$58,507,632$6,776,333$3,082,208$26,015,087
84$64,391,379$7,024,342$3,101,432$28,381,627
85$70,872,623$7,281,858$3,118,652$30,981,495
86$78,012,222$7,549,261$3,133,719$33,838,259
87$85,877,245$7,826,951$3,146,475$36,977,884
88$94,541,595$8,115,342$3,156,752$40,428,976
89$104,086,711$8,414,868$3,164,378$44,223,051
90$114,602,339$8,725,980$3,169,168$48,394,833
91$126,187,373$9,049,148$3,170,930$52,982,578
92$138,950,791$9,384,862$3,169,462$58,028,438
93$153,012,685$9,733,634$3,164,553$63,578,853
94$168,505,394$10,095,997$3,155,980$69,684,994
95$185,574,749$10,472,506$3,143,510$76,403,241
96$204,381,455$10,863,740$3,126,900$83,795,714
97$225,102,605$11,270,305$3,105,893$91,930,860
98$247,933,351$11,692,830$3,080,220$100,884,098
99$273,088,747$12,131,973$3,049,602$110,738,529
100$300,805,779$12,588,419$3,013,742$121,585,719