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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.4%
1 years$834,049$826,619$819,371$812,296$805,388$774,964
2 years$412,895$405,206$397,753$390,527$383,518$353,220
3 years$272,529$264,806$257,372$250,214$243,320$214,100
4 years$202,360$194,661$187,301$180,265$173,538$145,619
5 years$160,269$152,616$145,353$138,461$131,921$105,376
6 years$132,218$124,623$117,467$110,728$104,384$79,231
7 years$112,190$104,658$97,616$91,036$84,892$61,124
8 years$97,175$89,711$82,786$76,368$70,426$48,021
9 years$85,503$78,110$71,303$65,048$59,309$38,234
10 years$76,171$68,850$62,164$56,072$50,534$30,751
11 years$68,540$61,293$54,728$48,800$43,461$24,926
12 years$62,186$55,013$48,570$42,804$37,663$20,329
13 years$56,814$49,716$43,394$37,789$32,843$16,660
14 years$52,213$45,190$38,990$33,545$28,790$13,706
15 years$48,229$41,282$35,202$29,917$25,349$11,312
16 years$44,747$37,876$31,916$26,787$22,403$9,359
17 years$41,677$34,882$29,042$24,068$19,864$7,760
18 years$38,952$32,233$26,512$21,690$17,662$6,445
19 years$36,516$29,873$24,270$19,599$15,743$5,361
20 years$34,327$27,759$22,274$17,750$14,062$4,464
21 years$32,348$25,857$20,488$16,110$12,584$3,721
22 years$30,552$24,136$18,883$14,647$11,280$3,104
23 years$28,915$22,574$17,435$13,340$10,125$2,591
24 years$27,416$21,151$16,124$12,167$9,101$2,164
25 years$26,039$19,849$14,934$11,111$8,189$1,808
26 years$24,771$18,655$13,851$10,159$7,377$1,511
27 years$23,598$17,556$12,862$9,299$6,651$1,264
28 years$22,511$16,543$11,957$8,520$6,001$1,057
29 years$21,500$15,607$11,127$7,813$5,419$884
30 years$20,559$14,739$10,364$7,170$4,896$740
31 years$19,680$13,933$9,662$6,586$4,427$619
32 years$18,858$13,183$9,015$6,052$4,004$518
33 years$18,088$12,485$8,417$5,566$3,624$434
34 years$17,364$11,833$7,865$5,121$3,281$363
35 years$16,683$11,223$7,353$4,714$2,972$304
36 years$16,041$10,653$6,878$4,341$2,692$254
37 years$15,436$10,117$6,438$4,000$2,440$213
38 years$14,863$9,615$6,029$3,687$2,212$178
39 years$14,322$9,143$5,649$3,400$2,006$149
40 years$13,808$8,699$5,294$3,136$1,820$125
41 years$13,321$8,281$4,964$2,893$1,651$105
42 years$12,859$7,886$4,657$2,670$1,498$88
43 years$12,419$7,514$4,370$2,465$1,360$73
44 years$12,000$7,162$4,102$2,276$1,234$62
45 years$11,601$6,830$3,851$2,102$1,120$52
46 years$11,221$6,515$3,617$1,941$1,017$43
47 years$10,858$6,218$3,398$1,794$924$36
48 years$10,511$5,936$3,194$1,657$839$30
49 years$10,179$5,668$3,002$1,532$762$25
50 years$9,861$5,415$2,822$1,416$692$21

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 $4,690 every year, while hoping to spend $53,719 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: 72/9/19 Blend
44$10,100,000$10,100,000$10,100,000$10,100,000
45$11,135,038$10,599,738$10,443,188$11,885,975
46$12,213,655$11,061,968$10,735,878$12,848,127
47$13,400,491$11,545,048$11,036,573$13,894,615
48$14,706,527$12,049,941$11,345,484$15,039,359
49$16,143,863$12,577,658$11,662,828$16,292,097
50$17,725,831$13,129,258$11,988,827$17,663,551
51$19,467,121$13,705,847$12,323,708$19,165,528
52$21,383,921$14,308,587$12,667,706$20,811,024
53$23,494,066$14,938,693$13,021,059$22,614,355
54$25,817,209$15,597,437$13,384,012$24,591,281
55$28,375,004$16,286,151$13,756,817$26,759,160
56$31,191,315$17,006,233$14,139,731$29,137,108
57$34,292,435$17,759,144$14,533,017$31,746,176
58$37,707,336$18,546,415$14,936,946$34,609,552
59$41,467,944$19,369,649$15,351,794$37,752,773
60$45,609,441$20,230,528$15,777,845$41,203,966
61$50,170,590$21,130,811$16,215,390$44,994,113
62$55,194,110$22,072,340$16,664,725$49,157,340
63$60,727,072$23,057,048$17,126,156$53,731,237
64$66,821,346$24,086,955$17,599,994$58,757,213
65$73,534,089$25,164,182$18,086,560$64,280,882
66$80,928,286$26,290,947$18,586,180$70,352,493
67$89,073,343$27,469,575$19,099,189$77,027,401
68$98,045,744$28,702,504$19,625,931$84,366,587
69$107,929,766$29,992,283$20,166,757$92,437,234
70$118,818,285$31,341,588$20,722,026$101,313,353
71$130,813,643$32,753,219$21,292,106$111,076,485
72$144,028,618$34,230,110$21,877,375$121,816,463
73$158,587,488$35,775,336$22,478,218$133,632,262
74$174,627,203$37,392,119$23,095,030$146,632,924
75$192,298,678$39,083,833$23,728,214$160,938,591
76$211,768,219$40,854,016$24,378,184$176,681,630
77$233,219,087$42,706,372$25,045,363$194,007,883
78$256,853,235$44,644,786$25,730,184$213,078,038
79$282,893,208$46,673,324$26,433,089$234,069,144
80$311,584,249$48,796,250$27,154,530$257,176,276
81$343,196,607$51,018,032$27,894,972$282,614,377
82$378,028,096$53,343,349$28,654,888$310,620,276
83$416,406,897$55,777,109$29,434,763$341,454,927
84$458,694,664$58,324,451$30,235,091$375,405,861
85$505,289,933$60,990,762$31,056,379$412,789,902
86$556,631,883$63,781,687$31,899,146$453,956,149
87$613,204,488$66,703,142$32,763,920$499,289,267
88$675,541,078$69,761,328$33,651,243$549,213,114
89$744,229,376$72,962,741$34,561,667$604,194,736
90$819,917,048$76,314,191$35,495,759$664,748,771
91$903,317,816$79,822,815$36,454,096$731,442,302
92$995,218,192$83,496,093$37,437,267$804,900,204
93$1,096,484,909$87,341,862$38,445,877$885,811,034
94$1,208,073,096$91,368,340$39,480,540$974,933,528
95$1,331,035,300$95,584,137$40,541,887$1,073,103,756
96$1,466,531,420$99,998,279$41,630,559$1,181,243,007
97$1,615,839,656$104,620,225$42,747,213$1,300,366,478
98$1,780,368,575$109,459,891$43,892,520$1,431,592,851
99$1,961,670,412$114,527,668$45,067,161$1,576,154,849
100$2,161,455,720$119,834,450$46,271,838$1,735,410,858