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%14.1%
1 years$834,049$826,619$819,371$812,296$805,388$791,720
2 years$412,895$405,206$397,753$390,527$383,518$369,790
3 years$272,529$264,806$257,372$250,214$243,320$229,959
4 years$202,360$194,661$187,301$180,265$173,538$160,647
5 years$160,269$152,616$145,353$138,461$131,921$119,537
6 years$132,218$124,623$117,467$110,728$104,384$92,522
7 years$112,190$104,658$97,616$91,036$84,892$73,555
8 years$97,175$89,711$82,786$76,368$70,426$59,612
9 years$85,503$78,110$71,303$65,048$59,309$49,011
10 years$76,171$68,850$62,164$56,072$50,534$40,744
11 years$68,540$61,293$54,728$48,800$43,461$34,168
12 years$62,186$55,013$48,570$42,804$37,663$28,854
13 years$56,814$49,716$43,394$37,789$32,843$24,506
14 years$52,213$45,190$38,990$33,545$28,790$20,910
15 years$48,229$41,282$35,202$29,917$25,349$17,912
16 years$44,747$37,876$31,916$26,787$22,403$15,393
17 years$41,677$34,882$29,042$24,068$19,864$13,265
18 years$38,952$32,233$26,512$21,690$17,662$11,457
19 years$36,516$29,873$24,270$19,599$15,743$9,916
20 years$34,327$27,759$22,274$17,750$14,062$8,596
21 years$32,348$25,857$20,488$16,110$12,584$7,463
22 years$30,552$24,136$18,883$14,647$11,280$6,487
23 years$28,915$22,574$17,435$13,340$10,125$5,645
24 years$27,416$21,151$16,124$12,167$9,101$4,916
25 years$26,039$19,849$14,934$11,111$8,189$4,286
26 years$24,771$18,655$13,851$10,159$7,377$3,738
27 years$23,598$17,556$12,862$9,299$6,651$3,263
28 years$22,511$16,543$11,957$8,520$6,001$2,849
29 years$21,500$15,607$11,127$7,813$5,419$2,489
30 years$20,559$14,739$10,364$7,170$4,896$2,176
31 years$19,680$13,933$9,662$6,586$4,427$1,902
32 years$18,858$13,183$9,015$6,052$4,004$1,664
33 years$18,088$12,485$8,417$5,566$3,624$1,455
34 years$17,364$11,833$7,865$5,121$3,281$1,274
35 years$16,683$11,223$7,353$4,714$2,972$1,115
36 years$16,041$10,653$6,878$4,341$2,692$976
37 years$15,436$10,117$6,438$4,000$2,440$854
38 years$14,863$9,615$6,029$3,687$2,212$748
39 years$14,322$9,143$5,649$3,400$2,006$655
40 years$13,808$8,699$5,294$3,136$1,820$574
41 years$13,321$8,281$4,964$2,893$1,651$502
42 years$12,859$7,886$4,657$2,670$1,498$440
43 years$12,419$7,514$4,370$2,465$1,360$385
44 years$12,000$7,162$4,102$2,276$1,234$338
45 years$11,601$6,830$3,851$2,102$1,120$296
46 years$11,221$6,515$3,617$1,941$1,017$259
47 years$10,858$6,218$3,398$1,794$924$227
48 years$10,511$5,936$3,194$1,657$839$199
49 years$10,179$5,668$3,002$1,532$762$174
50 years$9,861$5,415$2,822$1,416$692$153

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 $4,591 every year, while hoping to spend $25,279 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: 48/26/26 Blend
44$10,100,000$10,100,000$10,100,000$10,100,000
45$11,134,936$10,599,636$10,443,086$11,586,708
46$12,243,802$11,092,121$10,766,032$12,396,581
47$13,464,926$11,607,891$11,098,951$13,272,696
48$14,809,731$12,148,060$11,442,148$14,223,652
49$16,290,804$12,713,796$11,795,940$15,256,510
50$17,922,017$13,306,322$12,160,655$16,379,030
51$19,718,655$13,926,924$12,536,629$17,599,738
52$21,697,560$14,576,946$12,924,208$18,928,002
53$23,877,293$15,257,798$13,323,751$20,374,122
54$26,278,306$15,970,959$13,735,626$21,949,419
55$28,923,136$16,717,979$14,160,212$23,666,338
56$31,836,619$17,500,483$14,597,903$25,538,565
57$35,046,122$18,320,175$15,049,100$27,581,149
58$38,581,803$19,178,840$15,514,221$29,810,641
59$42,476,894$20,078,350$15,993,695$32,245,247
60$46,768,016$21,020,668$16,487,963$34,904,991
61$51,495,525$22,007,852$16,997,481$37,811,903
62$56,703,890$23,042,059$17,522,718$40,990,221
63$62,442,117$24,125,550$18,064,160$44,466,614
64$68,764,208$25,260,697$18,622,304$48,270,427
65$75,729,672$26,449,985$19,197,665$52,433,955
66$83,404,085$27,696,022$19,790,774$56,992,738
67$91,859,714$29,001,538$20,402,177$61,985,895
68$101,176,191$30,369,400$21,032,436$67,456,481
69$111,441,273$31,802,611$21,682,133$73,451,891
70$122,751,664$33,304,320$22,351,866$80,024,297
71$135,213,931$34,877,830$23,042,251$87,231,136
72$148,945,511$36,526,602$23,753,925$95,135,641
73$164,075,813$38,254,266$24,487,542$103,807,433
74$180,747,449$40,064,628$25,243,777$113,323,166
75$199,117,573$41,961,679$26,023,328$123,767,243
76$219,359,367$43,949,602$26,826,911$135,232,606
77$241,663,676$46,032,786$27,655,266$147,821,600
78$266,240,808$48,215,830$28,509,154$161,646,927
79$293,322,522$50,503,557$29,389,362$176,832,707
80$323,164,213$52,901,025$30,296,700$193,515,630
81$356,047,324$55,413,537$31,232,001$211,846,239
82$392,282,005$58,046,654$32,196,126$231,990,338
83$432,210,035$60,806,205$33,189,962$254,130,545
84$476,208,055$63,698,306$34,214,422$278,468,000
85$524,691,119$66,729,366$35,270,449$305,224,252
86$578,116,617$69,906,108$36,359,012$334,643,336
87$636,988,586$73,235,581$37,481,113$366,994,059
88$701,862,473$76,725,177$38,637,782$402,572,524
89$773,350,381$80,382,646$39,830,083$441,704,908
90$852,126,840$84,216,116$41,059,111$484,750,523
91$938,935,182$88,234,109$42,325,996$532,105,189
92$1,034,594,554$92,445,564$43,631,900$584,204,953
93$1,140,007,653$96,859,851$44,978,023$641,530,184
94$1,256,169,249$101,486,799$46,365,602$704,610,088
95$1,384,175,573$106,336,713$47,795,910$774,027,681
96$1,525,234,669$111,420,400$49,270,261$850,425,271
97$1,680,677,799$116,749,193$50,790,009$934,510,497
98$1,851,972,008$122,334,977$52,356,547$1,027,062,983
99$2,040,733,975$128,190,214$53,971,314$1,128,941,674
100$2,248,745,280$134,327,973$55,635,792$1,241,092,916