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%14.7%
1 years$842,306$834,804$827,484$820,339$813,362$797,593
2 years$416,983$409,217$401,691$394,394$387,315$371,492
3 years$275,228$267,428$259,921$252,692$245,729$230,344
4 years$204,364$196,588$189,156$182,050$175,256$160,429
5 years$161,856$154,127$146,793$139,832$133,227$119,000
6 years$133,527$125,857$118,630$111,825$105,418$91,807
7 years$113,300$105,694$98,582$91,937$85,733$72,741
8 years$98,137$90,599$83,606$77,124$71,124$58,748
9 years$86,349$78,883$72,009$65,692$59,896$48,128
10 years$76,925$69,532$62,779$56,628$51,035$39,863
11 years$69,219$61,900$55,270$49,283$43,892$33,303
12 years$62,802$55,558$49,051$43,228$38,036$28,015
13 years$57,377$50,208$43,824$38,164$33,168$23,699
14 years$52,730$45,638$39,376$33,877$29,075$20,140
15 years$48,707$41,691$35,551$30,213$25,600$17,180
16 years$45,190$38,251$32,232$27,052$22,625$14,702
17 years$42,090$35,227$29,330$24,306$20,061$12,615
18 years$39,337$32,552$26,775$21,905$17,837$10,849
19 years$36,878$30,169$24,511$19,793$15,899$9,348
20 years$34,667$28,034$22,495$17,926$14,201$8,067
21 years$32,669$26,113$20,691$16,269$12,708$6,972
22 years$30,855$24,375$19,070$14,792$11,391$6,032
23 years$29,201$22,798$17,608$13,472$10,225$5,225
24 years$27,688$21,360$16,284$12,287$9,191$4,529
25 years$26,297$20,045$15,082$11,221$8,270$3,929
26 years$25,016$18,839$13,988$10,260$7,450$3,411
27 years$23,831$17,730$12,989$9,391$6,716$2,963
28 years$22,734$16,707$12,075$8,604$6,060$2,575
29 years$21,713$15,761$11,237$7,890$5,472$2,239
30 years$20,763$14,885$10,467$7,241$4,945$1,947
31 years$19,875$14,071$9,758$6,651$4,470$1,694
32 years$19,045$13,314$9,104$6,112$4,044$1,474
33 years$18,267$12,609$8,501$5,621$3,660$1,283
34 years$17,536$11,950$7,943$5,172$3,313$1,117
35 years$16,848$11,334$7,426$4,761$3,001$973
36 years$16,200$10,758$6,947$4,384$2,719$847
37 years$15,588$10,218$6,502$4,040$2,464$738
38 years$15,010$9,710$6,089$3,723$2,234$643
39 years$14,463$9,234$5,704$3,433$2,026$560
40 years$13,945$8,785$5,347$3,167$1,838$488
41 years$13,453$8,363$5,014$2,922$1,667$425
42 years$12,986$7,964$4,703$2,696$1,513$371
43 years$12,542$7,588$4,413$2,489$1,373$323
44 years$12,119$7,233$4,142$2,298$1,246$281
45 years$11,716$6,898$3,890$2,122$1,131$245
46 years$11,332$6,580$3,653$1,961$1,027$214
47 years$10,965$6,279$3,432$1,811$933$186
48 years$10,615$5,994$3,225$1,674$847$162
49 years$10,279$5,724$3,032$1,547$769$142
50 years$9,959$5,468$2,850$1,430$699$123

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 $2,219 every year, while hoping to spend $37,518 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: 51/24/25 Blend
44$10,200,000$10,200,000$10,200,000$10,200,000
45$11,242,689$10,702,089$10,543,989$11,737,112
46$12,349,524$11,186,572$10,857,294$12,565,145
47$13,567,999$11,693,538$11,179,837$13,461,014
48$14,909,462$12,224,048$11,511,888$14,434,391
49$16,386,416$12,779,215$11,853,725$15,492,656
50$18,012,639$13,360,205$12,205,633$16,643,920
51$19,803,313$13,968,241$12,567,907$17,897,099
52$21,775,168$14,604,601$12,940,849$19,261,996
53$23,946,637$15,270,629$13,324,769$20,749,389
54$26,338,034$15,967,730$13,719,989$22,371,131
55$28,971,742$16,697,377$14,126,837$24,140,259
56$31,872,426$17,461,114$14,545,652$26,071,111
57$35,067,264$18,260,560$14,976,783$28,179,460
58$38,586,208$19,097,410$15,420,587$30,482,658
59$42,462,259$19,973,441$15,877,435$32,999,796
60$46,731,786$20,890,516$16,347,706$35,751,880
61$51,434,864$21,850,587$16,831,789$38,762,026
62$56,615,653$22,855,698$17,330,087$42,055,672
63$62,322,817$23,907,995$17,843,012$45,660,815
64$68,609,981$25,009,724$18,370,990$49,608,268
65$75,536,239$26,163,240$18,914,458$53,931,950
66$83,166,708$27,371,012$19,473,865$58,669,195
67$91,573,147$28,635,626$20,049,675$63,861,105
68$100,834,631$29,959,795$20,642,362$69,552,926
69$111,038,298$31,346,360$21,252,416$75,794,475
70$122,280,174$32,798,300$21,880,341$82,640,600
71$134,666,074$34,318,739$22,526,654$90,151,691
72$148,312,605$35,910,949$23,191,889$98,394,246
73$163,348,266$37,578,360$23,876,592$107,441,489
74$179,914,659$39,324,570$24,581,328$117,374,055
75$198,167,828$41,153,348$25,306,676$128,280,742
76$218,279,729$43,068,644$26,053,233$140,259,342
77$240,439,855$45,074,602$26,821,610$153,417,556
78$264,857,026$47,175,563$27,612,440$167,874,000
79$291,761,356$49,376,079$28,426,369$183,759,317
80$321,406,428$51,680,921$29,264,067$201,217,400
81$354,071,688$54,095,090$30,126,217$220,406,740
82$390,065,081$56,623,831$31,013,527$241,501,910
83$429,725,960$59,272,639$31,926,721$264,695,205
84$473,428,288$62,047,278$32,866,545$290,198,443
85$521,584,166$64,953,788$33,833,768$318,244,953
86$574,647,730$67,998,502$34,829,177$349,091,768
87$633,119,429$71,188,059$35,853,585$383,022,030
88$697,550,756$74,529,420$36,907,826$420,347,659
89$768,549,454$78,029,882$37,992,759$461,412,276
90$846,785,246$81,697,094$39,109,265$506,594,435
91$932,996,168$85,539,078$40,258,251$556,311,180
92$1,027,995,527$89,564,243$41,440,652$611,021,964
93$1,132,679,583$93,781,403$42,657,427$671,232,972
94$1,248,036,011$98,199,803$43,909,562$737,501,878
95$1,375,153,223$102,829,132$45,198,071$810,443,094
96$1,515,230,643$107,679,551$46,523,997$890,733,548
97$1,669,590,032$112,761,711$47,888,414$979,119,055
98$1,839,687,962$118,086,783$49,292,423$1,076,421,336
99$2,027,129,574$123,666,474$50,737,159$1,183,545,752
100$2,233,683,723$129,513,064$52,223,786$1,301,489,830