Can I retire at age 46 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$149,468$148,137$146,838$145,570$144,332$143,603
2 years$73,994$72,616$71,280$69,986$68,729$67,994
3 years$48,839$47,455$46,123$44,840$43,605$42,885
4 years$36,265$34,885$33,566$32,305$31,099$30,401
5 years$28,722$27,350$26,048$24,813$23,641$22,967
6 years$23,695$22,333$21,051$19,843$18,706$18,057
7 years$20,105$18,756$17,494$16,314$15,213$14,588
8 years$17,414$16,077$14,836$13,686$12,621$12,021
9 years$15,323$13,998$12,778$11,657$10,629$10,053
10 years$13,650$12,338$11,140$10,049$9,056$8,505
11 years$12,283$10,984$9,808$8,745$7,789$7,262
12 years$11,144$9,859$8,704$7,671$6,749$6,246
13 years$10,182$8,909$7,777$6,772$5,886$5,406
14 years$9,357$8,098$6,987$6,012$5,159$4,702
15 years$8,643$7,398$6,309$5,361$4,543$4,108
16 years$8,019$6,788$5,720$4,800$4,015$3,601
17 years$7,469$6,251$5,205$4,313$3,560$3,167
18 years$6,980$5,776$4,751$3,887$3,165$2,793
19 years$6,544$5,353$4,349$3,512$2,821$2,468
20 years$6,152$4,975$3,992$3,181$2,520$2,186
21 years$5,797$4,634$3,672$2,887$2,255$1,939
22 years$5,475$4,325$3,384$2,625$2,021$1,723
23 years$5,182$4,045$3,124$2,391$1,815$1,533
24 years$4,913$3,790$2,890$2,180$1,631$1,365
25 years$4,666$3,557$2,676$1,991$1,468$1,217
26 years$4,439$3,343$2,482$1,821$1,322$1,087
27 years$4,229$3,146$2,305$1,666$1,192$971
28 years$4,034$2,965$2,143$1,527$1,075$867
29 years$3,853$2,797$1,994$1,400$971$776
30 years$3,684$2,641$1,857$1,285$877$694
31 years$3,527$2,497$1,732$1,180$793$622
32 years$3,380$2,363$1,616$1,085$718$557
33 years$3,241$2,237$1,508$997$649$499
34 years$3,112$2,121$1,409$918$588$447
35 years$2,990$2,011$1,318$845$533$401
36 years$2,875$1,909$1,233$778$483$360
37 years$2,766$1,813$1,154$717$437$323
38 years$2,664$1,723$1,080$661$396$290
39 years$2,567$1,639$1,012$609$360$260
40 years$2,475$1,559$949$562$326$234
41 years$2,387$1,484$890$518$296$210
42 years$2,304$1,413$835$478$268$188
43 years$2,226$1,347$783$442$244$169
44 years$2,151$1,284$735$408$221$152
45 years$2,079$1,224$690$377$201$137
46 years$2,011$1,168$648$348$182$123
47 years$1,946$1,114$609$321$166$110
48 years$1,884$1,064$572$297$150$99
49 years$1,824$1,016$538$274$137$89
50 years$1,767$970$506$254$124$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 46 starting with $1,810,000, adding $4,863 every year, while hoping to spend $59,466 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: 71/22/7 Blend
45$1,810,000$1,810,000$1,810,000$1,810,000
46$1,999,636$1,903,706$1,875,651$2,139,158
47$2,140,328$1,933,716$1,875,214$2,261,973
48$2,293,377$1,963,204$1,872,769$2,388,521
49$2,459,981$1,992,081$1,868,187$2,525,384
50$2,641,458$2,020,252$1,861,330$2,673,562
51$2,839,259$2,047,616$1,852,057$2,834,156
52$3,054,979$2,074,065$1,840,216$3,008,380
53$3,290,374$2,099,482$1,825,651$3,197,570
54$3,547,380$2,123,744$1,808,198$3,403,198
55$3,828,124$2,146,719$1,787,684$3,626,887
56$4,134,950$2,168,265$1,763,928$3,870,426
57$4,470,437$2,188,232$1,736,742$4,135,784
58$4,837,425$2,206,460$1,705,927$4,425,134
59$5,239,044$2,222,777$1,671,277$4,740,867
60$5,678,736$2,237,003$1,632,574$5,085,621
61$6,160,293$2,248,942$1,589,592$5,462,302
62$6,687,893$2,258,390$1,542,093$5,874,114
63$7,266,134$2,265,128$1,489,829$6,324,587
64$7,900,083$2,268,922$1,432,541$6,817,612
65$8,595,317$2,269,525$1,369,957$7,357,477
66$9,357,982$2,266,674$1,301,794$7,948,911
67$10,194,846$2,260,091$1,227,754$8,597,122
68$11,113,365$2,249,480$1,147,528$9,307,853
69$12,121,749$2,234,526$1,060,791$10,087,434
70$13,229,046$2,214,896$967,206$10,942,842
71$14,445,220$2,190,237$866,418$11,881,766
72$15,781,247$2,160,174$758,058$12,912,683
73$17,249,222$2,124,310$641,741$14,044,934
74$18,862,467$2,082,225$517,063$15,288,819
75$20,635,658$2,033,473$383,604$16,655,687
76$22,584,965$1,977,583$240,925$18,158,049
77$24,728,202$1,914,055$88,566$19,809,696
78$27,084,995$1,842,361$0$21,625,828
79$29,676,969$1,761,941$0$23,628,728
80$32,527,947$1,672,203$0$25,838,752
81$35,664,179$1,572,522$0$28,269,671
82$39,114,585$1,462,236$0$30,943,962
83$42,911,032$1,340,645$0$33,886,394
84$47,088,629$1,207,008$0$37,124,269
85$51,686,062$1,060,544$0$40,687,675
86$56,745,957$900,427$0$44,609,771
87$62,315,280$725,784$0$48,927,105
88$68,445,783$535,692$0$53,679,955
89$75,194,489$329,177$0$58,912,712
90$82,624,232$105,211$0$64,674,301
91$90,804,245$0$0$71,018,642
92$99,810,818$0$0$78,038,397
93$109,728,014$0$0$85,796,059
94$120,648,464$0$0$94,338,632
95$132,674,239$0$0$103,745,975
96$145,917,810$0$0$114,106,089
97$160,503,116$0$0$125,515,942
98$176,566,726$0$0$138,082,387
99$194,259,132$0$0$151,923,170
100$213,746,165$0$0$167,168,039