Can I retire at age 45 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$834,049$826,619$819,371$812,296$805,388$782,430
2 years$412,895$405,206$397,753$390,527$383,518$360,567
3 years$272,529$264,806$257,372$250,214$243,320$221,094
4 years$202,360$194,661$187,301$180,265$173,538$152,209
5 years$160,269$152,616$145,353$138,461$131,921$111,546
6 years$132,218$124,623$117,467$110,728$104,384$84,983
7 years$112,190$104,658$97,616$91,036$84,892$66,465
8 years$97,175$89,711$82,786$76,368$70,426$52,963
9 years$85,503$78,110$71,303$65,048$59,309$42,791
10 years$76,171$68,850$62,164$56,072$50,534$34,941
11 years$68,540$61,293$54,728$48,800$43,461$28,766
12 years$62,186$55,013$48,570$42,804$37,663$23,837
13 years$56,814$49,716$43,394$37,789$32,843$19,857
14 years$52,213$45,190$38,990$33,545$28,790$16,611
15 years$48,229$41,282$35,202$29,917$25,349$13,945
16 years$44,747$37,876$31,916$26,787$22,403$11,740
17 years$41,677$34,882$29,042$24,068$19,864$9,907
18 years$38,952$32,233$26,512$21,690$17,662$8,377
19 years$36,516$29,873$24,270$19,599$15,743$7,095
20 years$34,327$27,759$22,274$17,750$14,062$6,017
21 years$32,348$25,857$20,488$16,110$12,584$5,109
22 years$30,552$24,136$18,883$14,647$11,280$4,343
23 years$28,915$22,574$17,435$13,340$10,125$3,694
24 years$27,416$21,151$16,124$12,167$9,101$3,145
25 years$26,039$19,849$14,934$11,111$8,189$2,679
26 years$24,771$18,655$13,851$10,159$7,377$2,283
27 years$23,598$17,556$12,862$9,299$6,651$1,946
28 years$22,511$16,543$11,957$8,520$6,001$1,660
29 years$21,500$15,607$11,127$7,813$5,419$1,416
30 years$20,559$14,739$10,364$7,170$4,896$1,208
31 years$19,680$13,933$9,662$6,586$4,427$1,032
32 years$18,858$13,183$9,015$6,052$4,004$881
33 years$18,088$12,485$8,417$5,566$3,624$752
34 years$17,364$11,833$7,865$5,121$3,281$642
35 years$16,683$11,223$7,353$4,714$2,972$548
36 years$16,041$10,653$6,878$4,341$2,692$469
37 years$15,436$10,117$6,438$4,000$2,440$400
38 years$14,863$9,615$6,029$3,687$2,212$342
39 years$14,322$9,143$5,649$3,400$2,006$292
40 years$13,808$8,699$5,294$3,136$1,820$250
41 years$13,321$8,281$4,964$2,893$1,651$213
42 years$12,859$7,886$4,657$2,670$1,498$182
43 years$12,419$7,514$4,370$2,465$1,360$156
44 years$12,000$7,162$4,102$2,276$1,234$133
45 years$11,601$6,830$3,851$2,102$1,120$114
46 years$11,221$6,515$3,617$1,941$1,017$97
47 years$10,858$6,218$3,398$1,794$924$83
48 years$10,511$5,936$3,194$1,657$839$71
49 years$10,179$5,668$3,002$1,532$762$61
50 years$9,861$5,415$2,822$1,416$692$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $10,100,000, adding $4,364 every year, while hoping to spend $44,732 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: 45/41/14 Blend
44$10,100,000$10,100,000$10,100,000$10,100,000
45$11,134,701$10,599,401$10,442,851$11,591,053
46$12,222,847$11,071,178$10,745,092$12,380,984
47$13,420,483$11,564,572$11,055,959$13,232,181
48$14,738,732$12,080,595$11,375,694$14,154,209
49$16,189,848$12,620,309$11,704,544$15,153,637
50$17,787,331$13,184,824$12,042,766$16,237,674
51$19,546,061$13,775,302$12,390,620$17,414,238
52$21,482,431$14,392,963$12,748,377$18,692,022
53$23,614,504$15,039,084$13,116,313$20,080,571
54$25,962,186$15,715,002$13,494,713$21,590,374
55$28,547,410$16,422,118$13,883,867$23,232,953
56$31,394,345$17,161,901$14,284,076$25,020,968
57$34,529,624$17,935,889$14,695,647$26,968,332
58$37,982,591$18,745,694$15,118,898$29,090,337
59$41,785,587$19,593,004$15,554,152$31,403,792
60$45,974,244$20,479,588$16,001,743$33,927,179
61$50,587,830$21,407,301$16,462,014$36,680,816
62$55,669,614$22,378,084$16,935,317$39,687,048
63$61,267,278$23,393,974$17,422,014$42,970,448
64$67,433,363$24,457,102$17,922,474$46,558,041
65$74,225,769$25,569,702$18,437,080$50,479,558
66$81,708,298$26,734,118$18,966,223$54,767,700
67$89,951,257$27,952,803$19,510,304$59,458,447
68$99,032,122$29,228,327$20,069,736$64,591,386
69$109,036,270$30,563,386$20,644,943$70,210,075
70$120,057,781$31,960,803$21,236,360$76,362,446
71$132,200,330$33,423,538$21,844,434$83,101,249
72$145,578,163$34,954,692$22,469,622$90,484,539
73$160,317,178$36,557,514$23,112,397$98,576,214
74$176,556,109$38,235,410$23,773,241$107,446,609
75$194,447,838$39,991,951$24,452,650$117,173,144
76$214,160,838$41,830,877$25,151,134$127,841,049
77$235,880,762$43,756,109$25,869,216$139,544,150
78$259,812,198$45,771,757$26,607,433$152,385,749
79$286,180,595$47,882,126$27,366,335$166,479,577
80$315,234,397$50,091,731$28,146,488$181,950,862
81$347,247,383$52,405,304$28,948,473$198,937,489
82$382,521,255$54,827,802$29,772,886$217,591,293
83$421,388,483$57,364,424$30,620,337$238,079,468
84$464,215,445$60,020,618$31,491,455$260,586,137
85$511,405,885$62,802,093$32,386,883$285,314,064
86$563,404,724$65,714,834$33,307,283$312,486,558
87$620,702,262$68,765,117$34,253,333$342,349,553
88$683,838,801$71,959,516$35,225,728$375,173,916
89$753,409,752$75,304,926$36,225,184$411,257,979
90$830,071,251$78,808,572$37,252,431$450,930,334
91$914,546,354$82,478,027$38,308,224$494,552,911
92$1,007,631,865$86,321,234$39,393,332$542,524,373
93$1,110,205,855$90,346,513$40,508,548$595,283,848
94$1,223,235,950$94,562,590$41,654,682$653,315,055
95$1,347,788,472$98,978,612$42,832,569$717,150,835
96$1,485,038,498$103,604,167$44,043,062$787,378,158
97$1,636,280,959$108,449,305$45,287,039$864,643,631
98$1,802,942,859$113,524,563$46,565,397$949,659,566
99$1,986,596,753$118,840,988$47,879,060$1,043,210,678
100$2,188,975,585$124,410,161$49,228,972$1,146,161,454