Can I retire at age 45 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$908,370$900,278$892,384$884,679$877,155$842,021
2 years$449,688$441,313$433,196$425,327$417,693$382,737
3 years$296,814$288,403$280,307$272,511$265,002$231,324
4 years$220,392$212,007$203,991$196,329$189,001$156,859
5 years$174,551$166,216$158,306$150,799$143,676$113,151
6 years$144,000$135,728$127,935$120,595$113,686$84,796
7 years$122,187$113,984$106,314$99,148$92,457$65,193
8 years$105,834$97,705$90,163$83,173$76,702$51,034
9 years$93,122$85,070$77,657$70,845$64,594$40,484
10 years$82,958$74,985$67,703$61,069$55,037$32,437
11 years$74,648$66,755$59,605$53,148$47,334$26,190
12 years$67,728$59,915$52,898$46,618$41,019$21,274
13 years$61,877$54,146$47,261$41,157$35,769$17,362
14 years$56,866$49,217$42,464$36,534$31,355$14,224
15 years$52,527$44,961$38,339$32,582$27,607$11,689
16 years$48,734$41,251$34,760$29,174$24,400$9,629
17 years$45,391$37,990$31,630$26,213$21,634$7,949
18 years$42,423$35,105$28,874$23,623$19,236$6,572
19 years$39,770$32,535$26,433$21,345$17,146$5,442
20 years$37,386$30,233$24,259$19,332$15,315$4,510
21 years$35,231$28,161$22,314$17,545$13,705$3,742
22 years$33,275$26,287$20,566$15,953$12,285$3,107
23 years$31,491$24,586$18,989$14,528$11,027$2,581
24 years$29,859$23,035$17,561$13,251$9,912$2,145
25 years$28,360$21,617$16,265$12,101$8,919$1,784
26 years$26,978$20,317$15,085$11,065$8,034$1,484
27 years$25,701$19,121$14,008$10,128$7,243$1,235
28 years$24,517$18,017$13,022$9,279$6,536$1,028
29 years$23,416$16,997$12,118$8,509$5,902$856
30 years$22,391$16,052$11,288$7,809$5,332$712
31 years$21,434$15,175$10,523$7,172$4,821$593
32 years$20,539$14,358$9,818$6,592$4,361$494
33 years$19,699$13,597$9,167$6,061$3,947$412
34 years$18,911$12,887$8,565$5,577$3,573$343
35 years$18,169$12,223$8,008$5,134$3,236$286
36 years$17,471$11,602$7,491$4,728$2,932$238
37 years$16,811$11,019$7,012$4,357$2,658$198
38 years$16,188$10,472$6,566$4,016$2,409$165
39 years$15,598$9,958$6,152$3,702$2,185$138
40 years$15,039$9,474$5,766$3,415$1,982$115
41 years$14,508$9,018$5,407$3,151$1,798$96
42 years$14,005$8,589$5,072$2,908$1,632$80
43 years$13,526$8,183$4,759$2,684$1,481$66
44 years$13,070$7,801$4,467$2,478$1,344$55
45 years$12,635$7,439$4,195$2,289$1,220$46
46 years$12,221$7,096$3,940$2,114$1,108$38
47 years$11,825$6,772$3,701$1,953$1,006$32
48 years$11,447$6,465$3,478$1,805$914$27
49 years$11,086$6,173$3,269$1,668$830$22
50 years$10,740$5,897$3,074$1,542$754$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $11,000,000, adding $2,809 every year, while hoping to spend $49,285 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: 54/27/19 Blend
44$11,000,000$11,000,000$11,000,000$11,000,000
45$12,124,897$11,541,897$11,371,397$12,717,024
46$13,309,198$12,055,012$11,699,900$13,635,745
47$14,612,646$12,591,616$12,037,756$14,629,850
48$16,047,341$13,152,811$12,385,227$15,710,914
49$17,626,618$13,739,747$12,742,580$16,887,251
50$19,365,168$14,353,629$13,110,091$18,167,999
51$21,279,180$14,995,722$13,488,044$19,563,205
52$23,386,492$15,667,349$13,876,730$21,083,918
53$25,706,761$16,369,895$14,276,447$22,742,285
54$28,261,645$17,104,815$14,687,502$24,551,666
55$31,075,010$17,873,628$15,110,210$26,526,758
56$34,173,154$18,677,929$15,544,896$28,683,724
57$37,585,057$19,519,388$15,991,891$31,040,348
58$41,342,651$20,399,756$16,451,537$33,616,195
59$45,481,122$21,320,865$16,924,185$36,432,793
60$50,039,245$22,284,636$17,410,194$39,513,830
61$55,059,748$23,293,083$17,909,934$42,885,374
62$60,589,710$24,348,312$18,423,786$46,576,116
63$66,681,017$25,452,535$18,952,138$50,617,632
64$73,390,837$26,608,067$19,495,392$55,044,678
65$80,782,173$27,817,332$20,053,958$59,895,513
66$88,924,447$29,082,874$20,628,258$65,212,251
67$97,894,162$30,407,356$21,218,725$71,041,259
68$107,775,619$31,793,569$21,825,806$77,433,579
69$118,661,717$33,244,439$22,449,955$84,445,414
70$130,654,826$34,763,030$23,091,642$92,138,640
71$143,867,755$36,352,555$23,751,349$100,581,394
72$158,424,815$38,016,380$24,429,569$109,848,701
73$174,462,997$39,758,033$25,126,810$120,023,181
74$192,133,257$41,581,211$25,843,592$131,195,813
75$211,601,946$43,489,788$26,580,450$143,466,795
76$233,052,382$45,487,824$27,337,932$156,946,470
77$256,686,574$47,579,577$28,116,602$171,756,368
78$282,727,133$49,769,504$28,917,036$188,030,337
79$311,419,373$52,062,282$29,739,829$205,915,799
80$343,033,625$54,462,810$30,585,589$225,575,130
81$377,867,788$56,976,221$31,454,940$247,187,182
82$416,250,146$59,607,899$32,348,524$270,948,960
83$458,542,459$62,363,485$33,266,998$297,077,467
84$505,143,384$65,248,890$34,211,036$325,811,743
85$556,492,236$68,270,312$35,181,333$357,415,108
86$613,073,133$71,434,247$36,178,597$392,177,631
87$675,419,571$74,747,503$37,203,558$430,418,856
88$744,119,455$78,217,218$38,256,965$472,490,803
89$819,820,650$81,850,872$39,339,584$518,781,272
90$903,237,098$85,656,307$40,452,202$569,717,493
91$995,155,559$89,641,743$41,595,627$625,770,137
92$1,096,443,033$93,815,796$42,770,688$687,457,743
93$1,208,054,951$98,187,498$43,978,234$755,351,593
94$1,331,044,188$102,766,317$45,219,137$830,081,087
95$1,466,571,007$107,562,179$46,494,291$912,339,661
96$1,615,914,012$112,585,488$47,804,612$1,002,891,313
97$1,780,482,216$117,847,152$49,151,040$1,102,577,794
98$1,961,828,343$123,358,603$50,534,541$1,212,326,526
99$2,161,663,488$129,131,829$51,956,103$1,333,159,339
100$2,381,873,271$135,179,396$53,416,739$1,466,202,086