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%19.8%
1 years$834,049$826,619$819,371$812,296$805,388$773,739
2 years$412,895$405,206$397,753$390,527$383,518$352,020
3 years$272,529$264,806$257,372$250,214$243,320$212,963
4 years$202,360$194,661$187,301$180,265$173,538$144,554
5 years$160,269$152,616$145,353$138,461$131,921$104,385
6 years$132,218$124,623$117,467$110,728$104,384$78,313
7 years$112,190$104,658$97,616$91,036$84,892$60,277
8 years$97,175$89,711$82,786$76,368$70,426$47,243
9 years$85,503$78,110$71,303$65,048$59,309$37,522
10 years$76,171$68,850$62,164$56,072$50,534$30,102
11 years$68,540$61,293$54,728$48,800$43,461$24,337
12 years$62,186$55,013$48,570$42,804$37,663$19,795
13 years$56,814$49,716$43,394$37,789$32,843$16,178
14 years$52,213$45,190$38,990$33,545$28,790$13,272
15 years$48,229$41,282$35,202$29,917$25,349$10,922
16 years$44,747$37,876$31,916$26,787$22,403$9,011
17 years$41,677$34,882$29,042$24,068$19,864$7,449
18 years$38,952$32,233$26,512$21,690$17,662$6,169
19 years$36,516$29,873$24,270$19,599$15,743$5,115
20 years$34,327$27,759$22,274$17,750$14,062$4,246
21 years$32,348$25,857$20,488$16,110$12,584$3,528
22 years$30,552$24,136$18,883$14,647$11,280$2,934
23 years$28,915$22,574$17,435$13,340$10,125$2,441
24 years$27,416$21,151$16,124$12,167$9,101$2,032
25 years$26,039$19,849$14,934$11,111$8,189$1,693
26 years$24,771$18,655$13,851$10,159$7,377$1,410
27 years$23,598$17,556$12,862$9,299$6,651$1,176
28 years$22,511$16,543$11,957$8,520$6,001$980
29 years$21,500$15,607$11,127$7,813$5,419$817
30 years$20,559$14,739$10,364$7,170$4,896$682
31 years$19,680$13,933$9,662$6,586$4,427$568
32 years$18,858$13,183$9,015$6,052$4,004$474
33 years$18,088$12,485$8,417$5,566$3,624$396
34 years$17,364$11,833$7,865$5,121$3,281$330
35 years$16,683$11,223$7,353$4,714$2,972$275
36 years$16,041$10,653$6,878$4,341$2,692$230
37 years$15,436$10,117$6,438$4,000$2,440$192
38 years$14,863$9,615$6,029$3,687$2,212$160
39 years$14,322$9,143$5,649$3,400$2,006$134
40 years$13,808$8,699$5,294$3,136$1,820$112
41 years$13,321$8,281$4,964$2,893$1,651$93
42 years$12,859$7,886$4,657$2,670$1,498$78
43 years$12,419$7,514$4,370$2,465$1,360$65
44 years$12,000$7,162$4,102$2,276$1,234$54
45 years$11,601$6,830$3,851$2,102$1,120$45
46 years$11,221$6,515$3,617$1,941$1,017$38
47 years$10,858$6,218$3,398$1,794$924$31
48 years$10,511$5,936$3,194$1,657$839$26
49 years$10,179$5,668$3,002$1,532$762$22
50 years$9,861$5,415$2,822$1,416$692$18

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 $2,825 every year, while hoping to spend $47,638 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: 63/21/16 Blend
44$10,100,000$10,100,000$10,100,000$10,100,000
45$11,133,114$10,597,814$10,441,264$11,790,203
46$12,218,005$11,066,420$10,740,360$12,700,370
47$13,411,959$11,556,392$11,047,879$13,688,199
48$14,726,048$12,068,725$11,364,053$14,765,795
49$16,172,476$12,604,464$11,689,120$15,941,899
50$17,764,688$13,164,701$12,023,324$17,226,127
51$19,517,498$13,750,583$12,366,917$18,629,057
52$21,447,229$14,363,309$12,720,156$20,162,330
53$23,571,870$15,004,135$13,083,305$21,838,755
54$25,911,241$15,674,377$13,456,635$23,672,427
55$28,487,182$16,375,416$13,840,426$25,678,858
56$31,323,757$17,108,694$14,234,964$27,875,123
57$34,447,486$17,875,726$14,640,541$30,280,013
58$37,887,590$18,678,097$15,057,459$32,914,214
59$41,676,268$19,517,467$15,486,028$35,800,500
60$45,849,001$20,395,577$15,926,564$38,963,939
61$50,444,889$21,314,250$16,379,393$42,432,131
62$55,507,015$22,275,395$16,844,850$46,235,464
63$61,082,855$23,281,014$17,323,277$50,407,397
64$67,224,726$24,333,203$17,815,026$54,984,770
65$73,990,277$25,434,159$18,320,459$60,008,153
66$81,443,036$26,586,184$18,839,945$65,522,217
67$89,653,008$27,791,689$19,373,865$71,576,160
68$98,697,334$29,053,202$19,922,610$78,224,157
69$108,661,024$30,373,370$20,486,578$85,525,878
70$119,637,751$31,754,968$21,066,181$93,547,036
71$131,730,743$33,200,903$21,661,840$102,360,009
72$145,053,754$34,714,222$22,273,986$112,044,513
73$159,732,135$36,298,118$22,903,064$122,688,353
74$175,904,023$37,955,935$23,549,527$134,388,242
75$193,721,639$39,691,182$24,213,841$147,250,712
76$213,352,726$41,507,530$24,896,485$161,393,110
77$234,982,137$43,408,831$25,597,950$176,944,700
78$258,813,571$45,399,120$26,318,737$194,047,875
79$285,071,504$47,482,626$27,059,364$212,859,498
80$314,003,303$49,663,780$27,820,358$233,552,368
81$345,881,563$51,947,228$28,602,263$256,316,851
82$381,006,677$54,337,838$29,405,634$281,362,664
83$419,709,677$56,840,710$30,231,041$308,920,846
84$462,355,353$59,461,194$31,079,070$339,245,931
85$509,345,700$62,204,893$31,950,320$372,618,343
86$561,123,710$65,077,682$32,845,404$409,347,030
87$618,177,557$68,085,716$33,764,953$449,772,371
88$681,045,201$71,235,450$34,709,613$494,269,381
89$750,319,472$74,533,648$35,680,046$543,251,236
90$826,653,660$77,987,398$36,676,929$597,173,165
91$910,767,685$81,604,133$37,700,958$656,536,731
92$1,003,454,895$85,391,641$38,752,846$721,894,559
93$1,105,589,550$89,358,087$39,833,322$793,855,532
94$1,218,135,082$93,512,031$40,943,136$873,090,532
95$1,342,153,182$97,862,442$42,083,053$960,338,753
96$1,478,813,831$102,418,727$43,253,859$1,056,414,666
97$1,629,406,338$107,190,741$44,456,360$1,162,215,695
98$1,795,351,517$112,188,819$45,691,380$1,278,730,664
99$1,978,215,094$117,423,793$46,959,764$1,407,049,124
100$2,179,722,494$122,907,020$48,262,377$1,548,371,611