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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.2%
1 years$908,370$900,278$892,384$884,679$877,155$851,466
2 years$449,688$441,313$433,196$425,327$417,693$392,019
3 years$296,814$288,403$280,307$272,511$265,002$240,148
4 years$220,392$212,007$203,991$196,329$189,001$165,159
5 years$174,551$166,216$158,306$150,799$143,676$120,910
6 years$144,000$135,728$127,935$120,595$113,686$92,016
7 years$122,187$113,984$106,314$99,148$92,457$71,884
8 years$105,834$97,705$90,163$83,173$76,702$57,213
9 years$93,122$85,070$77,657$70,845$64,594$46,170
10 years$82,958$74,985$67,703$61,069$55,037$37,652
11 years$74,648$66,755$59,605$53,148$47,334$30,958
12 years$67,728$59,915$52,898$46,618$41,019$25,620
13 years$61,877$54,146$47,261$41,157$35,769$21,313
14 years$56,866$49,217$42,464$36,534$31,355$17,805
15 years$52,527$44,961$38,339$32,582$27,607$14,926
16 years$48,734$41,251$34,760$29,174$24,400$12,547
17 years$45,391$37,990$31,630$26,213$21,634$10,573
18 years$42,423$35,105$28,874$23,623$19,236$8,927
19 years$39,770$32,535$26,433$21,345$17,146$7,549
20 years$37,386$30,233$24,259$19,332$15,315$6,393
21 years$35,231$28,161$22,314$17,545$13,705$5,420
22 years$33,275$26,287$20,566$15,953$12,285$4,600
23 years$31,491$24,586$18,989$14,528$11,027$3,907
24 years$29,859$23,035$17,561$13,251$9,912$3,320
25 years$28,360$21,617$16,265$12,101$8,919$2,824
26 years$26,978$20,317$15,085$11,065$8,034$2,402
27 years$25,701$19,121$14,008$10,128$7,243$2,045
28 years$24,517$18,017$13,022$9,279$6,536$1,741
29 years$23,416$16,997$12,118$8,509$5,902$1,483
30 years$22,391$16,052$11,288$7,809$5,332$1,264
31 years$21,434$15,175$10,523$7,172$4,821$1,077
32 years$20,539$14,358$9,818$6,592$4,361$918
33 years$19,699$13,597$9,167$6,061$3,947$782
34 years$18,911$12,887$8,565$5,577$3,573$667
35 years$18,169$12,223$8,008$5,134$3,236$569
36 years$17,471$11,602$7,491$4,728$2,932$485
37 years$16,811$11,019$7,012$4,357$2,658$414
38 years$16,188$10,472$6,566$4,016$2,409$353
39 years$15,598$9,958$6,152$3,702$2,185$301
40 years$15,039$9,474$5,766$3,415$1,982$257
41 years$14,508$9,018$5,407$3,151$1,798$219
42 years$14,005$8,589$5,072$2,908$1,632$187
43 years$13,526$8,183$4,759$2,684$1,481$159
44 years$13,070$7,801$4,467$2,478$1,344$136
45 years$12,635$7,439$4,195$2,289$1,220$116
46 years$12,221$7,096$3,940$2,114$1,108$99
47 years$11,825$6,772$3,701$1,953$1,006$84
48 years$11,447$6,465$3,478$1,805$914$72
49 years$11,086$6,173$3,269$1,668$830$61
50 years$10,740$5,897$3,074$1,542$754$52

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 $6,701 every year, while hoping to spend $37,998 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: 50/34/16 Blend
44$11,000,000$11,000,000$11,000,000$11,000,000
45$12,128,912$11,545,912$11,375,412$12,681,529
46$13,325,632$12,071,232$11,716,059$13,588,068
47$14,643,143$12,621,019$12,066,844$14,568,203
48$16,093,727$13,196,433$12,428,066$15,632,529
49$17,690,915$13,798,686$12,800,035$16,788,987
50$19,449,619$14,429,052$13,183,066$18,046,300
51$21,386,269$15,088,865$13,577,488$19,414,049
52$23,518,970$15,779,520$13,983,635$20,902,766
53$25,867,672$16,502,485$14,401,855$22,524,022
54$28,454,360$17,259,292$14,832,502$24,290,537
55$31,303,258$18,051,550$15,275,944$26,216,294
56$34,441,060$18,880,946$15,732,558$28,316,663
57$37,897,181$19,749,245$16,202,731$30,608,548
58$41,704,035$20,658,299$16,686,864$33,110,535
59$45,897,340$21,610,050$17,185,368$35,843,066
60$50,516,457$22,606,530$17,698,666$38,828,622
61$55,604,758$23,649,872$18,227,193$42,091,935
62$61,210,037$24,742,310$18,771,398$45,660,210
63$67,384,963$25,886,186$19,331,742$49,563,380
64$74,187,574$27,083,953$19,908,700$53,834,378
65$81,681,825$28,338,186$20,502,761$58,509,442
66$89,938,195$29,651,580$21,114,427$63,628,449
67$99,034,346$31,026,963$21,744,215$69,235,287
68$109,055,862$32,467,297$22,392,659$75,378,256
69$120,097,052$33,975,687$23,060,306$82,110,521
70$132,261,845$35,555,390$23,747,720$89,490,599
71$145,664,767$37,209,817$24,455,481$97,582,908
72$160,432,021$38,942,545$25,184,188$106,458,361
73$176,702,682$40,757,325$25,934,453$116,195,027
74$194,630,009$42,658,088$26,706,911$126,878,858
75$214,382,888$44,648,952$27,502,210$138,604,489
76$236,147,430$46,734,238$28,321,022$151,476,117
77$260,128,727$48,918,474$29,164,035$165,608,477
78$286,552,784$51,206,407$30,031,958$181,127,910
79$315,668,660$53,603,013$30,925,520$198,173,542
80$347,750,811$56,113,509$31,845,473$216,898,583
81$383,101,686$58,743,363$32,792,588$237,471,761
82$422,054,580$61,498,309$33,767,662$260,078,897
83$464,976,779$64,384,358$34,771,510$284,924,648
84$512,273,030$67,407,811$35,804,975$312,234,414
85$564,389,360$70,575,276$36,868,923$342,256,456
86$621,817,288$73,893,676$37,964,245$375,264,219
87$685,098,460$77,370,276$39,091,856$411,558,892
88$754,829,770$81,012,686$40,252,700$451,472,235
89$831,668,989$84,828,890$41,447,748$495,369,687
90$916,340,975$88,827,255$42,677,997$543,653,795
91$1,009,644,519$93,016,555$43,944,474$596,767,992
92$1,112,459,882$97,405,989$45,248,237$655,200,759
93$1,225,757,109$102,005,201$46,590,371$719,490,208
94$1,350,605,182$106,824,304$47,971,996$790,229,142
95$1,488,182,115$111,873,899$49,394,263$868,070,619
96$1,639,786,074$117,165,103$50,858,354$953,734,089
97$1,806,847,633$122,709,572$52,365,488$1,048,012,156
98$1,990,943,276$128,519,527$53,916,917$1,151,778,031
99$2,193,810,287$134,607,780$55,513,930$1,265,993,739
100$2,417,363,143$140,987,768$57,157,854$1,391,719,169