Can I retire at age 45 with 10,200,000?

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 $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$842,306$834,804$827,484$820,339$813,362$792,414
2 years$416,983$409,217$401,691$394,394$387,315$366,349
3 years$275,228$267,428$259,921$252,692$245,729$225,401
4 years$204,364$196,588$189,156$182,050$175,256$155,723
5 years$161,856$154,127$146,793$139,832$133,227$114,543
6 years$133,527$125,857$118,630$111,825$105,418$87,601
7 years$113,300$105,694$98,582$91,937$85,733$68,785
8 years$98,137$90,599$83,606$77,124$71,124$55,037
9 years$86,349$78,883$72,009$65,692$59,896$44,656
10 years$76,925$69,532$62,779$56,628$51,035$36,623
11 years$69,219$61,900$55,270$49,283$43,892$30,286
12 years$62,802$55,558$49,051$43,228$38,036$25,213
13 years$57,377$50,208$43,824$38,164$33,168$21,102
14 years$52,730$45,638$39,376$33,877$29,075$17,738
15 years$48,707$41,691$35,551$30,213$25,600$14,964
16 years$45,190$38,251$32,232$27,052$22,625$12,661
17 years$42,090$35,227$29,330$24,306$20,061$10,739
18 years$39,337$32,552$26,775$21,905$17,837$9,128
19 years$36,878$30,169$24,511$19,793$15,899$7,771
20 years$34,667$28,034$22,495$17,926$14,201$6,626
21 years$32,669$26,113$20,691$16,269$12,708$5,657
22 years$30,855$24,375$19,070$14,792$11,391$4,834
23 years$29,201$22,798$17,608$13,472$10,225$4,135
24 years$27,688$21,360$16,284$12,287$9,191$3,540
25 years$26,297$20,045$15,082$11,221$8,270$3,032
26 years$25,016$18,839$13,988$10,260$7,450$2,598
27 years$23,831$17,730$12,989$9,391$6,716$2,228
28 years$22,734$16,707$12,075$8,604$6,060$1,911
29 years$21,713$15,761$11,237$7,890$5,472$1,640
30 years$20,763$14,885$10,467$7,241$4,945$1,408
31 years$19,875$14,071$9,758$6,651$4,470$1,208
32 years$19,045$13,314$9,104$6,112$4,044$1,038
33 years$18,267$12,609$8,501$5,621$3,660$891
34 years$17,536$11,950$7,943$5,172$3,313$766
35 years$16,848$11,334$7,426$4,761$3,001$658
36 years$16,200$10,758$6,947$4,384$2,719$565
37 years$15,588$10,218$6,502$4,040$2,464$486
38 years$15,010$9,710$6,089$3,723$2,234$417
39 years$14,463$9,234$5,704$3,433$2,026$359
40 years$13,945$8,785$5,347$3,167$1,838$308
41 years$13,453$8,363$5,014$2,922$1,667$265
42 years$12,986$7,964$4,703$2,696$1,513$228
43 years$12,542$7,588$4,413$2,489$1,373$196
44 years$12,119$7,233$4,142$2,298$1,246$168
45 years$11,716$6,898$3,890$2,122$1,131$145
46 years$11,332$6,580$3,653$1,961$1,027$124
47 years$10,965$6,279$3,432$1,811$933$107
48 years$10,615$5,994$3,225$1,674$847$92
49 years$10,279$5,724$3,032$1,547$769$79
50 years$9,959$5,468$2,850$1,430$699$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $10,200,000, adding $2,048 every year, while hoping to spend $21,819 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: 32/39/29 Blend
44$10,200,000$10,200,000$10,200,000$10,200,000
45$11,242,513$10,701,913$10,543,813$11,502,828
46$12,366,034$11,203,091$10,873,815$12,204,527
47$13,603,422$11,728,096$11,214,141$12,957,710
48$14,966,271$12,278,072$11,565,114$13,768,544
49$16,467,351$12,854,218$11,927,067$14,642,123
50$18,120,740$13,457,794$12,300,342$15,584,028
51$19,941,946$14,090,116$12,685,294$16,600,374
52$21,948,061$14,752,568$13,082,288$17,697,864
53$24,157,919$15,446,600$13,491,700$18,883,845
54$26,592,274$16,173,731$13,913,920$20,166,374
55$29,273,996$16,935,554$14,349,346$21,554,287
56$32,228,287$17,733,739$14,798,392$23,057,279
57$35,482,918$18,570,038$15,261,485$24,685,988
58$39,068,493$19,446,288$15,739,062$26,452,088
59$43,018,736$20,364,412$16,231,577$28,368,394
60$47,370,809$21,326,431$16,739,497$30,448,979
61$52,165,665$22,334,459$17,263,303$32,709,294
62$57,448,432$23,390,716$17,803,493$35,166,308
63$63,268,839$24,497,529$18,360,577$37,838,666
64$69,681,690$25,657,337$18,935,085$40,746,847
65$76,747,373$26,872,697$19,527,561$43,913,358
66$84,532,437$28,146,291$20,138,567$47,362,932
67$93,110,218$29,480,932$20,768,681$51,122,754
68$102,561,531$30,879,568$21,418,502$55,222,708
69$112,975,430$32,345,290$22,088,645$59,695,647
70$124,450,055$33,881,340$22,779,746$64,577,697
71$137,093,552$35,491,117$23,492,459$69,908,582
72$151,025,098$37,178,185$24,227,460$75,731,987
73$166,376,023$38,946,282$24,985,445$82,095,964
74$183,291,054$40,799,326$25,767,134$89,053,367
75$201,929,675$42,741,427$26,573,266$96,662,340
76$222,467,638$44,776,892$27,404,607$104,986,852
77$245,098,618$46,910,242$28,261,943$114,097,286
78$270,036,046$49,146,213$29,146,087$124,071,088
79$297,515,119$51,489,773$30,057,877$134,993,480
80$327,795,023$53,946,134$30,998,177$146,958,254
81$361,161,377$56,520,756$31,967,878$160,068,632
82$397,928,934$59,219,370$32,967,899$174,438,228
83$438,444,549$62,047,983$33,999,187$190,192,098
84$483,090,453$65,012,893$35,062,719$207,467,902
85$532,287,862$68,120,708$36,159,504$226,417,183
86$586,500,956$71,378,355$37,290,579$247,206,775
87$646,241,257$74,793,098$38,457,017$270,020,355
88$712,072,461$78,372,555$39,659,922$295,060,152
89$784,615,757$82,124,715$40,900,435$322,548,832
90$864,555,694$86,057,957$42,179,730$352,731,574
91$952,646,643$90,181,064$43,499,019$385,878,357
92$1,049,719,916$94,503,252$44,859,551$422,286,480
93$1,156,691,617$99,034,181$46,262,616$462,283,335
94$1,274,571,290$103,783,984$47,709,541$506,229,474
95$1,404,471,449$108,763,287$49,201,699$554,521,969
96$1,547,618,082$113,983,233$50,740,501$607,598,138
97$1,705,362,224$119,455,509$52,327,405$665,939,626
98$1,879,192,712$125,192,370$53,963,914$730,076,921
99$2,070,750,241$131,206,668$55,651,577$800,594,321
100$2,281,842,854$137,511,883$57,391,994$878,135,408