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%18.9%
1 years$916,628$908,463$900,497$892,722$885,130$853,385
2 years$453,776$445,325$437,134$429,193$421,490$389,852
3 years$299,512$291,025$282,855$274,988$267,411$236,872
4 years$222,396$213,934$205,846$198,114$190,720$161,515
5 years$176,138$167,727$159,745$152,170$144,982$117,187
6 years$145,309$136,962$129,098$121,692$114,719$88,355
7 years$123,297$115,020$107,281$100,049$93,298$68,358
8 years$106,796$98,593$90,983$83,929$77,399$53,863
9 years$93,968$85,843$78,363$71,489$65,181$43,018
10 years$83,712$75,667$68,319$61,624$55,538$34,708
11 years$75,327$67,362$60,147$53,631$47,764$28,226
12 years$68,343$60,460$53,379$47,042$41,392$23,097
13 years$62,439$54,638$47,690$41,531$36,094$18,993
14 years$57,383$49,665$42,850$36,867$31,640$15,680
15 years$53,004$45,370$38,688$32,879$27,858$12,987
16 years$49,177$41,626$35,076$29,439$24,621$10,785
17 years$45,804$38,336$31,918$26,451$21,831$8,975
18 years$42,808$35,424$29,137$23,838$19,411$7,482
19 years$40,132$32,831$26,673$21,539$17,302$6,247
20 years$37,725$30,508$24,480$19,508$15,454$5,222
21 years$35,551$28,417$22,517$17,705$13,830$4,369
22 years$33,577$26,526$20,752$16,098$12,396$3,659
23 years$31,778$24,809$19,161$14,660$11,128$3,066
24 years$30,131$23,245$17,721$13,371$10,002$2,571
25 years$28,618$21,814$16,413$12,211$9,000$2,157
26 years$27,223$20,502$15,222$11,165$8,107$1,810
27 years$25,934$19,294$14,135$10,220$7,309$1,520
28 years$24,739$18,181$13,141$9,364$6,595$1,276
29 years$23,629$17,152$12,228$8,587$5,955$1,072
30 years$22,595$16,198$11,390$7,880$5,381$901
31 years$21,629$15,312$10,619$7,238$4,865$757
32 years$20,726$14,489$9,908$6,652$4,401$636
33 years$19,878$13,721$9,251$6,117$3,983$535
34 years$19,083$13,004$8,643$5,628$3,606$449
35 years$18,335$12,334$8,081$5,181$3,266$378
36 years$17,629$11,707$7,560$4,771$2,959$318
37 years$16,964$11,119$7,076$4,396$2,682$267
38 years$16,335$10,567$6,626$4,052$2,431$225
39 years$15,740$10,048$6,208$3,736$2,205$189
40 years$15,175$9,560$5,819$3,446$2,000$159
41 years$14,640$9,100$5,456$3,179$1,814$134
42 years$14,132$8,667$5,118$2,934$1,646$112
43 years$13,649$8,258$4,802$2,709$1,494$94
44 years$13,188$7,871$4,508$2,501$1,356$79
45 years$12,750$7,506$4,233$2,310$1,231$67
46 years$12,332$7,161$3,976$2,134$1,118$56
47 years$11,933$6,833$3,735$1,971$1,015$47
48 years$11,551$6,523$3,510$1,821$922$40
49 years$11,186$6,229$3,299$1,683$837$33
50 years$10,837$5,951$3,102$1,556$760$28

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 $5,792 every year, while hoping to spend $50,718 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: 62/17/21 Blend
44$11,100,000$11,100,000$11,100,000$11,100,000
45$12,238,174$11,649,874$11,477,824$12,929,752
46$13,432,505$12,166,755$11,808,368$13,914,393
47$14,746,957$12,707,262$12,148,285$14,982,775
48$16,193,730$13,272,501$12,497,836$16,148,070
49$17,786,265$13,863,628$12,857,288$17,419,725
50$19,539,372$14,481,855$13,226,916$18,808,136
51$21,469,373$15,128,451$13,607,002$20,324,740
52$23,594,249$15,804,744$13,997,836$21,982,124
53$25,933,814$16,512,129$14,399,716$23,794,140
54$28,509,903$17,252,063$14,812,946$25,776,031
55$31,346,575$18,026,076$15,237,842$27,944,577
56$34,470,340$18,835,768$15,674,724$30,318,246
57$37,910,411$19,682,817$16,123,923$32,917,368
58$41,698,979$20,568,981$16,585,780$35,764,326
59$45,871,514$21,496,100$17,060,643$38,883,757
60$50,467,103$22,466,104$17,548,870$42,302,791
61$55,528,819$23,481,014$18,050,828$46,051,295
62$61,104,123$24,542,949$18,566,895$50,162,158
63$67,245,316$25,654,125$19,097,459$54,671,593
64$74,010,030$26,816,870$19,642,916$59,619,479
65$81,461,775$28,033,618$20,203,675$65,049,729
66$89,670,533$29,306,923$20,780,156$71,010,707
67$98,713,424$30,639,459$21,372,788$77,555,674
68$108,675,430$32,034,029$21,982,013$84,743,287
69$119,650,197$33,493,569$22,608,283$92,638,154
70$131,740,921$35,021,158$23,252,065$101,311,431
71$145,061,321$36,620,021$23,913,835$110,841,495
72$159,736,711$38,293,537$24,594,083$121,314,674
73$175,905,183$40,045,248$25,293,313$132,826,061
74$193,718,913$41,878,866$26,012,040$145,480,400
75$213,345,591$43,798,280$26,750,793$159,393,074
76$234,970,013$45,807,567$27,510,115$174,691,188
77$258,795,815$47,910,999$28,290,565$191,514,758
78$285,047,404$50,113,053$29,092,714$210,018,030
79$313,972,068$52,418,422$29,917,150$230,370,926
80$345,842,318$54,832,023$30,764,473$252,760,643
81$380,958,454$57,359,012$31,635,302$277,393,414
82$419,651,403$60,004,790$32,530,271$304,496,441
83$462,285,841$62,775,019$33,450,030$334,320,038
84$509,263,636$65,675,635$34,395,246$367,139,979
85$561,027,643$68,712,857$35,366,603$403,260,099
86$618,065,880$71,893,205$36,364,802$443,015,148
87$680,916,141$75,223,512$37,390,563$486,773,942
88$750,171,065$78,710,943$38,444,625$534,942,835
89$826,483,738$82,363,004$39,527,745$587,969,544
90$910,573,854$86,187,565$40,640,698$646,347,366
91$1,003,234,508$90,192,876$41,784,283$710,619,819
92$1,105,339,685$94,387,585$42,959,313$781,385,765
93$1,217,852,511$98,780,755$44,166,629$859,305,048
94$1,341,834,343$103,381,887$45,407,086$945,104,712
95$1,478,454,789$108,200,943$46,681,567$1,039,585,846
96$1,629,002,751$113,248,363$47,990,973$1,143,631,140
97$1,794,898,591$118,535,092$49,336,230$1,258,213,194
98$1,977,707,539$124,072,603$50,718,286$1,384,403,689
99$2,179,154,473$129,872,926$52,138,113$1,523,383,486
100$2,401,140,198$135,948,668$53,596,709$1,676,453,758