Can I retire at age 45 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$825,791$818,435$811,258$804,254$797,414$771,271
2 years$408,807$401,194$393,815$386,660$379,721$353,632
3 years$269,831$262,184$254,824$247,737$240,911$215,694
4 years$200,356$192,733$185,447$178,481$171,819$147,669
5 years$158,683$151,105$143,914$137,090$130,614$107,594
6 years$130,909$123,389$116,304$109,632$103,351$81,480
7 years$111,079$103,622$96,649$90,135$84,052$63,327
8 years$96,213$88,823$81,966$75,612$69,729$50,136
9 years$84,656$77,336$70,598$64,404$58,722$40,238
10 years$75,417$68,168$61,549$55,517$50,034$32,629
11 years$67,862$60,686$54,186$48,317$43,031$26,673
12 years$61,571$54,469$48,089$42,380$37,290$21,943
13 years$56,251$49,224$42,964$37,415$32,517$18,143
14 years$51,696$44,743$38,604$33,213$28,505$15,062
15 years$47,752$40,874$34,854$29,620$25,098$12,546
16 years$44,304$37,501$31,600$26,522$22,181$10,479
17 years$41,265$34,537$28,755$23,830$19,668$8,772
18 years$38,566$31,914$26,250$21,475$17,487$7,357
19 years$36,155$29,577$24,030$19,405$15,587$6,179
20 years$33,987$27,484$22,054$17,575$13,923$5,197
21 years$32,028$25,601$20,285$15,950$12,459$4,376
22 years$30,250$23,897$18,696$14,502$11,168$3,687
23 years$28,629$22,351$17,262$13,208$10,025$3,110
24 years$27,145$20,941$15,965$12,046$9,011$2,624
25 years$25,782$19,652$14,787$11,001$8,108$2,216
26 years$24,525$18,470$13,714$10,059$7,304$1,871
27 years$23,364$17,382$12,734$9,207$6,585$1,581
28 years$22,288$16,379$11,838$8,436$5,942$1,337
29 years$21,288$15,452$11,017$7,736$5,365$1,130
30 years$20,356$14,593$10,262$7,099$4,848$956
31 years$19,486$13,795$9,567$6,520$4,383$808
32 years$18,672$13,053$8,926$5,992$3,965$684
33 years$17,909$12,361$8,334$5,510$3,588$579
34 years$17,192$11,716$7,787$5,070$3,248$490
35 years$16,518$11,112$7,280$4,667$2,942$414
36 years$15,882$10,547$6,810$4,298$2,666$351
37 years$15,283$10,017$6,374$3,960$2,416$297
38 years$14,716$9,520$5,969$3,650$2,190$251
39 years$14,180$9,053$5,593$3,366$1,986$213
40 years$13,672$8,613$5,242$3,105$1,802$180
41 years$13,189$8,199$4,915$2,864$1,635$152
42 years$12,731$7,808$4,611$2,643$1,483$129
43 years$12,296$7,439$4,327$2,440$1,346$109
44 years$11,881$7,091$4,061$2,253$1,222$93
45 years$11,486$6,762$3,813$2,081$1,109$78
46 years$11,110$6,451$3,582$1,922$1,007$66
47 years$10,750$6,156$3,365$1,776$914$56
48 years$10,406$5,877$3,162$1,641$830$48
49 years$10,078$5,612$2,972$1,516$754$40
50 years$9,763$5,361$2,794$1,402$685$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $10,000,000, adding $4,284 every year, while hoping to spend $30,293 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: 25/48/27 Blend
44$10,000,000$10,000,000$10,000,000$10,000,000
45$11,024,419$10,494,419$10,339,419$11,206,284
46$12,116,678$10,976,414$10,653,558$11,839,682
47$13,319,333$11,481,011$10,977,205$12,515,460
48$14,643,610$12,009,287$11,310,648$13,239,402
49$16,101,884$12,562,368$11,654,180$14,015,567
50$17,707,788$13,141,435$12,008,106$14,848,392
51$19,476,344$13,747,727$12,372,740$15,742,725
52$21,424,108$14,382,542$12,748,403$16,703,872
53$23,569,320$15,047,240$13,135,428$17,737,635
54$25,932,083$15,743,247$13,534,157$18,850,366
55$28,534,546$16,472,057$13,944,942$20,049,018
56$31,401,118$17,235,236$14,368,146$21,341,205
57$34,558,696$18,034,427$14,804,143$22,735,270
58$38,036,919$18,871,350$15,253,318$24,240,351
59$41,868,448$19,747,809$15,716,067$25,866,465
60$46,089,273$20,665,695$16,192,798$27,624,594
61$50,739,055$21,626,990$16,683,933$29,526,780
62$55,861,498$22,633,772$17,189,905$31,586,231
63$61,504,763$23,688,219$17,711,158$33,817,435
64$67,721,920$24,792,613$18,248,154$36,236,292
65$74,571,453$25,949,349$18,801,364$38,860,252
66$82,117,809$27,160,934$19,371,277$41,708,468
67$90,432,004$28,429,999$19,958,394$44,801,970
68$99,592,301$29,759,301$20,563,232$48,163,852
69$109,684,939$31,151,729$21,186,323$51,819,476
70$120,804,953$32,610,315$21,828,216$55,796,705
71$133,057,073$34,138,235$22,489,476$60,126,147
72$146,556,703$35,738,818$23,170,682$64,841,436
73$161,431,023$37,415,555$23,872,436$69,979,535
74$177,820,177$39,172,107$24,595,352$75,581,068
75$195,878,605$41,012,310$25,340,066$81,690,693
76$215,776,497$42,940,188$26,107,233$88,357,507
77$237,701,400$44,959,957$26,897,526$95,635,488
78$261,859,987$47,076,040$27,711,637$103,583,997
79$288,480,012$49,293,072$28,550,283$112,268,312
80$317,812,453$51,615,912$29,414,197$121,760,232
81$350,133,889$54,049,658$30,304,139$132,138,730
82$385,749,105$56,599,651$31,220,887$143,490,683
83$424,993,973$59,271,492$32,165,246$155,911,668
84$468,238,618$62,071,056$33,138,042$169,506,844
85$515,890,918$65,004,498$34,140,127$184,391,918
86$568,400,350$68,078,276$35,172,379$200,694,217
87$626,262,233$71,299,159$36,235,701$218,553,864
88$690,022,407$74,674,244$37,331,023$238,125,069
89$760,282,383$78,210,974$38,459,304$259,577,564
90$837,705,025$81,917,150$39,621,529$283,098,173
91$923,020,802$85,800,954$40,818,714$308,892,542
92$1,017,034,689$89,870,966$42,051,906$337,187,054
93$1,120,633,763$94,136,180$43,322,182$368,230,930
94$1,234,795,582$98,606,028$44,630,650$402,298,543
95$1,360,597,408$103,290,400$45,978,453$439,691,980
96$1,499,226,379$108,199,665$47,366,767$480,743,846
97$1,651,990,718$113,344,697$48,796,802$525,820,370
98$1,820,332,082$118,736,898$50,269,806$575,324,818
99$2,005,839,172$124,388,224$51,787,062$629,701,255
100$2,210,262,732$130,311,211$53,349,892$689,438,693