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%15.5%
1 years$834,049$826,619$819,371$812,296$805,388$787,197
2 years$412,895$405,206$397,753$390,527$383,518$365,289
3 years$272,529$264,806$257,372$250,214$243,320$225,621
4 years$202,360$194,661$187,301$180,265$173,538$156,506
5 years$160,269$152,616$145,353$138,461$131,921$115,604
6 years$132,218$124,623$117,467$110,728$104,384$88,799
7 years$112,190$104,658$97,616$91,036$84,892$70,042
8 years$97,175$89,711$82,786$76,368$70,426$56,305
9 years$85,503$78,110$71,303$65,048$59,309$45,906
10 years$76,171$68,850$62,164$56,072$50,534$37,835
11 years$68,540$61,293$54,728$48,800$43,461$31,449
12 years$62,186$55,013$48,570$42,804$37,663$26,318
13 years$56,814$49,716$43,394$37,789$32,843$22,145
14 years$52,213$45,190$38,990$33,545$28,790$18,718
15 years$48,229$41,282$35,202$29,917$25,349$15,879
16 years$44,747$37,876$31,916$26,787$22,403$13,512
17 years$41,677$34,882$29,042$24,068$19,864$11,527
18 years$38,952$32,233$26,512$21,690$17,662$9,855
19 years$36,516$29,873$24,270$19,599$15,743$8,441
20 years$34,327$27,759$22,274$17,750$14,062$7,241
21 years$32,348$25,857$20,488$16,110$12,584$6,220
22 years$30,552$24,136$18,883$14,647$11,280$5,349
23 years$28,915$22,574$17,435$13,340$10,125$4,604
24 years$27,416$21,151$16,124$12,167$9,101$3,966
25 years$26,039$19,849$14,934$11,111$8,189$3,419
26 years$24,771$18,655$13,851$10,159$7,377$2,949
27 years$23,598$17,556$12,862$9,299$6,651$2,545
28 years$22,511$16,543$11,957$8,520$6,001$2,197
29 years$21,500$15,607$11,127$7,813$5,419$1,898
30 years$20,559$14,739$10,364$7,170$4,896$1,640
31 years$19,680$13,933$9,662$6,586$4,427$1,417
32 years$18,858$13,183$9,015$6,052$4,004$1,225
33 years$18,088$12,485$8,417$5,566$3,624$1,059
34 years$17,364$11,833$7,865$5,121$3,281$916
35 years$16,683$11,223$7,353$4,714$2,972$792
36 years$16,041$10,653$6,878$4,341$2,692$685
37 years$15,436$10,117$6,438$4,000$2,440$593
38 years$14,863$9,615$6,029$3,687$2,212$513
39 years$14,322$9,143$5,649$3,400$2,006$444
40 years$13,808$8,699$5,294$3,136$1,820$384
41 years$13,321$8,281$4,964$2,893$1,651$332
42 years$12,859$7,886$4,657$2,670$1,498$288
43 years$12,419$7,514$4,370$2,465$1,360$249
44 years$12,000$7,162$4,102$2,276$1,234$216
45 years$11,601$6,830$3,851$2,102$1,120$187
46 years$11,221$6,515$3,617$1,941$1,017$162
47 years$10,858$6,218$3,398$1,794$924$140
48 years$10,511$5,936$3,194$1,657$839$121
49 years$10,179$5,668$3,002$1,532$762$105
50 years$9,861$5,415$2,822$1,416$692$91

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 $3,176 every year, while hoping to spend $22,538 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: 57/23/20 Blend
44$10,100,000$10,100,000$10,100,000$10,100,000
45$11,133,476$10,598,176$10,441,626$11,708,438
46$12,245,110$11,093,506$10,767,440$12,595,629
47$13,469,376$11,612,353$11,103,414$13,559,324
48$14,817,738$12,155,843$11,449,863$14,609,083
49$16,302,828$12,725,161$11,807,115$15,753,192
50$17,938,569$13,321,546$12,175,506$17,000,766
51$19,740,300$13,946,299$12,555,383$18,361,825
52$21,724,926$14,600,783$12,947,103$19,847,391
53$23,911,074$15,286,427$13,351,037$21,469,585
54$26,319,271$16,004,729$13,767,563$23,241,742
55$28,972,135$16,757,259$14,197,075$25,178,529
56$31,894,593$17,545,665$14,639,977$27,296,084
57$35,114,111$18,371,672$15,096,687$29,612,164
58$38,660,958$19,237,092$15,567,633$32,146,305
59$42,568,487$20,143,821$16,053,261$34,920,010
60$46,873,454$21,093,849$16,554,026$37,956,939
61$51,616,362$22,089,263$17,070,401$41,283,136
62$56,841,843$23,132,249$17,602,872$44,927,264
63$62,599,082$24,225,101$18,151,939$48,920,876
64$68,942,280$25,370,223$18,718,121$53,298,703
65$75,931,165$26,570,135$19,301,950$58,098,981
66$83,631,553$27,827,482$19,903,975$63,363,806
67$92,115,977$29,145,033$20,524,763$69,139,521
68$101,464,363$30,525,697$21,164,899$75,477,156
69$111,764,790$31,972,518$21,824,986$82,432,894
70$123,114,319$33,488,692$22,505,643$90,068,604
71$135,619,910$35,077,568$23,207,512$98,452,411
72$149,399,431$36,742,659$23,931,254$107,659,338
73$164,582,771$38,487,647$24,677,550$117,772,003
74$181,313,067$40,316,395$25,447,101$128,881,392
75$199,748,053$42,232,952$26,240,631$141,087,711
76$220,061,551$44,241,562$27,058,889$154,501,324
77$242,445,110$46,346,680$27,902,642$169,243,784
78$267,109,816$48,552,972$28,772,686$185,448,974
79$294,288,285$50,865,335$29,669,839$203,264,357
80$324,236,855$53,288,902$30,594,943$222,852,365
81$357,238,011$55,829,055$31,548,871$244,391,916
82$393,603,049$58,491,439$32,532,518$268,080,094
83$433,675,013$61,281,973$33,546,811$294,134,000
84$477,831,938$64,206,863$34,592,703$322,792,786
85$526,490,415$67,272,618$35,671,177$354,319,904
86$580,109,524$70,486,064$36,783,249$389,005,577
87$639,195,171$73,854,356$37,929,963$427,169,527
88$704,304,859$77,385,000$39,112,398$469,163,980
89$776,052,957$81,085,868$40,331,665$515,376,973
90$855,116,494$84,965,211$41,588,912$566,236,003
91$942,241,556$89,031,685$42,885,319$622,212,050
92$1,038,250,324$93,294,367$44,222,107$683,824,001
93$1,144,048,840$97,762,774$45,600,530$751,643,533
94$1,260,635,560$102,446,889$47,021,886$826,300,493
95$1,389,110,778$107,357,177$48,487,511$908,488,821
96$1,530,687,016$112,504,617$49,998,781$998,973,084
97$1,686,700,468$117,900,720$51,557,117$1,098,595,671
98$1,858,623,619$123,557,559$53,163,983$1,208,284,723
99$2,048,079,142$129,487,793$54,820,891$1,329,062,874
100$2,256,855,220$135,704,700$56,529,396$1,462,056,878