Can You Retire at 45 with $1.0M?

A complete retirement readiness assessment at age 45 with a $1,000,000 portfolio. See your 4% rule income, healthcare bridge costs, and Monte Carlo success probabilities.

4% Rule Monthly Income
$3,333

$40,000/year

Years to Medicare (65)
20 yrs

~$192,000 bridge cost

30-Year Success Rate
91%

Median ending: $1.8M

40-Year Success Rate
83%

Worst case: $0

Portfolio Value Over Time at Different Withdrawal Rates

Safe Withdrawal Rate Analysis

Withdrawal StrategyMonthly IncomeAnnual Income30-Yr Success40-Yr Success
Conservative (3%)$2,500$30,00098%96%
Standard (4%)$3,333$40,00091%84%
Aggressive (5%)$4,167$50,00075%66%

Monte Carlo Simulation Results

Healthcare Bridge: Age 45 to Medicare at 65

Bridge period

20 years

Est. annual premium

$9,600

Total bridge cost

$192,000

Explore Other Ages

Age 40Age 41Age 42Age 43Age 44Age 46

Related Calculators & Articles

Retirement Withdrawal SafetyMonte Carlo SimulatorFIRE Age CalculatorRoth Conversion Ladder

Calculation Assumptions

  • 6% mean annual return with 13% volatility assumption.
  • 3% annual inflation rate.
  • Monte Carlo simulation uses 6% return and 13% standard deviation (2000 simulations).
  • Healthcare bridge costs based on estimated ACA marketplace premiums; actual costs vary by state, age, and plan.
  • Retirement success defined as portfolio balance > $0 at end of horizon.
  • The 4% rule and safe withdrawal rates are guidelines, not guarantees. Past performance does not predict future results.

Static math ignores market sequence risk and state taxes.

Use Alistair to model dynamic withdrawal scenarios with your real portfolio, tax state, and spending needs.

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