Can I retire at age 45 with 11,100,000?

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$916,628$908,463$900,497$892,722$885,130$859,206
2 years$453,776$445,325$437,134$429,193$421,490$395,583
3 years$299,512$291,025$282,855$274,988$267,411$242,331
4 years$222,396$213,934$205,846$198,114$190,720$166,661
5 years$176,138$167,727$159,745$152,170$144,982$122,009
6 years$145,309$136,962$129,098$121,692$114,719$92,853
7 years$123,297$115,020$107,281$100,049$93,298$72,537
8 years$106,796$98,593$90,983$83,929$77,399$57,733
9 years$93,968$85,843$78,363$71,489$65,181$46,589
10 years$83,712$75,667$68,319$61,624$55,538$37,994
11 years$75,327$67,362$60,147$53,631$47,764$31,240
12 years$68,343$60,460$53,379$47,042$41,392$25,853
13 years$62,439$54,638$47,690$41,531$36,094$21,507
14 years$57,383$49,665$42,850$36,867$31,640$17,967
15 years$53,004$45,370$38,688$32,879$27,858$15,061
16 years$49,177$41,626$35,076$29,439$24,621$12,661
17 years$45,804$38,336$31,918$26,451$21,831$10,669
18 years$42,808$35,424$29,137$23,838$19,411$9,008
19 years$40,132$32,831$26,673$21,539$17,302$7,618
20 years$37,725$30,508$24,480$19,508$15,454$6,451
21 years$35,551$28,417$22,517$17,705$13,830$5,469
22 years$33,577$26,526$20,752$16,098$12,396$4,641
23 years$31,778$24,809$19,161$14,660$11,128$3,942
24 years$30,131$23,245$17,721$13,371$10,002$3,350
25 years$28,618$21,814$16,413$12,211$9,000$2,849
26 years$27,223$20,502$15,222$11,165$8,107$2,424
27 years$25,934$19,294$14,135$10,220$7,309$2,063
28 years$24,739$18,181$13,141$9,364$6,595$1,757
29 years$23,629$17,152$12,228$8,587$5,955$1,497
30 years$22,595$16,198$11,390$7,880$5,381$1,275
31 years$21,629$15,312$10,619$7,238$4,865$1,087
32 years$20,726$14,489$9,908$6,652$4,401$926
33 years$19,878$13,721$9,251$6,117$3,983$789
34 years$19,083$13,004$8,643$5,628$3,606$673
35 years$18,335$12,334$8,081$5,181$3,266$574
36 years$17,629$11,707$7,560$4,771$2,959$489
37 years$16,964$11,119$7,076$4,396$2,682$417
38 years$16,335$10,567$6,626$4,052$2,431$356
39 years$15,740$10,048$6,208$3,736$2,205$304
40 years$15,175$9,560$5,819$3,446$2,000$259
41 years$14,640$9,100$5,456$3,179$1,814$221
42 years$14,132$8,667$5,118$2,934$1,646$188
43 years$13,649$8,258$4,802$2,709$1,494$161
44 years$13,188$7,871$4,508$2,501$1,356$137
45 years$12,750$7,506$4,233$2,310$1,231$117
46 years$12,332$7,161$3,976$2,134$1,118$100
47 years$11,933$6,833$3,735$1,971$1,015$85
48 years$11,551$6,523$3,510$1,821$922$73
49 years$11,186$6,229$3,299$1,683$837$62
50 years$10,837$5,951$3,102$1,556$760$53

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $11,100,000, adding $3,295 every year, while hoping to spend $40,045 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: 53/42/5 Blend
44$11,100,000$11,100,000$11,100,000$11,100,000
45$12,235,599$11,647,299$11,475,249$12,870,615
46$13,441,022$12,175,409$11,817,062$13,828,503
47$14,768,057$12,728,054$12,168,984$14,865,344
48$16,229,065$13,306,395$12,531,311$15,992,294
49$17,837,667$13,911,646$12,904,348$17,217,862
50$19,608,874$14,545,081$13,288,408$18,551,390
51$21,559,224$15,208,036$13,683,815$20,003,145
52$23,706,943$15,901,908$14,090,901$21,584,404
53$26,072,113$16,628,163$14,510,008$23,307,559
54$28,676,863$17,388,337$14,941,487$25,186,230
55$31,545,577$18,184,039$15,385,701$27,235,388
56$34,705,125$19,016,957$15,843,021$29,471,488
57$38,185,117$19,888,857$16,313,832$31,912,623
58$42,018,181$20,801,593$16,798,527$34,578,686
59$46,240,270$21,757,105$17,297,512$37,491,552
60$50,891,003$22,757,429$17,811,204$40,675,281
61$56,014,039$23,804,697$18,340,034$44,156,332
62$61,657,488$24,901,143$18,884,441$47,963,812
63$67,874,364$26,049,112$19,444,882$52,129,742
64$74,723,087$27,251,057$20,021,824$56,689,347
65$82,268,035$28,509,551$20,615,748$61,681,387
66$90,580,148$29,827,292$21,227,149$67,148,509
67$99,737,600$31,207,107$21,856,536$73,137,643
68$109,826,539$32,651,959$22,504,434$79,700,438
69$120,941,894$34,164,953$23,171,380$86,893,734
70$133,188,276$35,749,345$23,857,931$94,780,094
71$146,680,964$37,408,547$24,564,655$103,428,380
72$161,546,992$39,146,135$25,292,141$112,914,395
73$177,926,349$40,965,859$26,040,991$123,321,582
74$195,973,299$42,871,649$26,811,827$134,741,806
75$215,857,840$44,867,624$27,605,287$147,276,204
76$237,767,305$46,958,103$28,422,030$161,036,126
77$261,908,132$49,147,612$29,262,730$176,144,175
78$288,507,814$51,440,897$30,128,083$192,735,345
79$317,817,042$53,842,932$31,018,805$210,958,286
80$350,112,076$56,358,932$31,935,631$230,976,684
81$385,697,351$58,994,363$32,879,318$252,970,798
82$424,908,350$61,754,956$33,850,644$277,139,133
83$468,114,773$64,646,719$34,850,411$303,700,304
84$515,724,022$67,675,950$35,879,442$332,895,079
85$568,185,052$70,849,253$36,938,584$364,988,626
86$625,992,610$74,173,548$38,028,709$400,273,002
87$689,691,897$77,656,093$39,150,712$439,069,881
88$759,883,726$81,304,497$40,305,515$481,733,573
89$837,230,183$85,126,734$41,494,067$528,654,342
90$922,460,886$89,131,168$42,717,343$580,262,061
91$1,016,379,867$93,326,566$43,976,345$637,030,250
92$1,119,873,165$97,722,120$45,272,104$699,480,510
93$1,233,917,190$102,327,466$46,605,682$768,187,426
94$1,359,587,940$107,152,709$47,978,169$843,783,953
95$1,498,071,159$112,208,440$49,390,687$926,967,362
96$1,650,673,532$117,505,769$50,844,389$1,018,505,789
97$1,818,835,019$123,056,338$52,340,463$1,119,245,450
98$2,004,142,450$128,872,358$53,880,128$1,230,118,590
99$2,208,344,507$134,966,630$55,464,639$1,352,152,251
100$2,433,368,228$141,352,577$57,095,286$1,486,477,920