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

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$916,628$908,463$900,497$892,722$885,130$862,332
2 years$453,776$445,325$437,134$429,193$421,490$398,674
3 years$299,512$291,025$282,855$274,988$267,411$245,290
4 years$222,396$213,934$205,846$198,114$190,720$169,463
5 years$176,138$167,727$159,745$152,170$144,982$124,650
6 years$145,309$136,962$129,098$121,692$114,719$95,331
7 years$123,297$115,020$107,281$100,049$93,298$74,854
8 years$106,796$98,593$90,983$83,929$77,399$59,893
9 years$93,968$85,843$78,363$71,489$65,181$48,596
10 years$83,712$75,667$68,319$61,624$55,538$39,854
11 years$75,327$67,362$60,147$53,631$47,764$32,959
12 years$68,343$60,460$53,379$47,042$41,392$27,438
13 years$62,439$54,638$47,690$41,531$36,094$22,964
14 years$57,383$49,665$42,850$36,867$31,640$19,303
15 years$53,004$45,370$38,688$32,879$27,858$16,284
16 years$49,177$41,626$35,076$29,439$24,621$13,778
17 years$45,804$38,336$31,918$26,451$21,831$11,687
18 years$42,808$35,424$29,137$23,838$19,411$9,933
19 years$40,132$32,831$26,673$21,539$17,302$8,457
20 years$37,725$30,508$24,480$19,508$15,454$7,211
21 years$35,551$28,417$22,517$17,705$13,830$6,156
22 years$33,577$26,526$20,752$16,098$12,396$5,261
23 years$31,778$24,809$19,161$14,660$11,128$4,500
24 years$30,131$23,245$17,721$13,371$10,002$3,852
25 years$28,618$21,814$16,413$12,211$9,000$3,299
26 years$27,223$20,502$15,222$11,165$8,107$2,828
27 years$25,934$19,294$14,135$10,220$7,309$2,425
28 years$24,739$18,181$13,141$9,364$6,595$2,080
29 years$23,629$17,152$12,228$8,587$5,955$1,785
30 years$22,595$16,198$11,390$7,880$5,381$1,532
31 years$21,629$15,312$10,619$7,238$4,865$1,315
32 years$20,726$14,489$9,908$6,652$4,401$1,129
33 years$19,878$13,721$9,251$6,117$3,983$970
34 years$19,083$13,004$8,643$5,628$3,606$833
35 years$18,335$12,334$8,081$5,181$3,266$716
36 years$17,629$11,707$7,560$4,771$2,959$615
37 years$16,964$11,119$7,076$4,396$2,682$528
38 years$16,335$10,567$6,626$4,052$2,431$454
39 years$15,740$10,048$6,208$3,736$2,205$390
40 years$15,175$9,560$5,819$3,446$2,000$336
41 years$14,640$9,100$5,456$3,179$1,814$288
42 years$14,132$8,667$5,118$2,934$1,646$248
43 years$13,649$8,258$4,802$2,709$1,494$213
44 years$13,188$7,871$4,508$2,501$1,356$183
45 years$12,750$7,506$4,233$2,310$1,231$157
46 years$12,332$7,161$3,976$2,134$1,118$135
47 years$11,933$6,833$3,735$1,971$1,015$116
48 years$11,551$6,523$3,510$1,821$922$100
49 years$11,186$6,229$3,299$1,683$837$86
50 years$10,837$5,951$3,102$1,556$760$74

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 $4,625 every year, while hoping to spend $42,944 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: 46/41/13 Blend
44$11,100,000$11,100,000$11,100,000$11,100,000
45$12,236,971$11,648,671$11,476,621$12,754,743
46$13,439,450$12,173,763$11,815,395$13,639,258
47$14,763,142$12,723,146$12,164,080$14,593,499
48$16,220,367$13,297,965$12,522,960$15,627,742
49$17,824,697$13,899,417$12,892,332$16,749,424
50$19,591,088$14,528,762$13,272,498$17,966,708
51$21,536,023$15,187,315$13,663,770$19,288,557
52$23,677,660$15,876,456$14,066,470$20,724,813
53$26,036,011$16,597,631$14,480,925$22,286,286
54$28,633,125$17,352,356$14,907,477$23,984,852
55$31,493,300$18,142,218$15,346,474$25,833,556
56$34,643,310$18,968,880$15,798,274$27,846,736
57$38,112,658$19,834,086$16,263,247$30,040,146
58$41,933,856$20,739,663$16,741,773$32,431,103
59$46,142,727$21,687,524$17,234,240$35,038,645
60$50,778,749$22,679,677$17,741,051$37,883,699
61$55,885,424$23,718,223$18,262,619$40,989,276
62$61,510,687$24,805,367$18,799,367$44,380,683
63$67,707,364$25,943,416$19,351,732$48,085,747
64$74,533,663$27,134,791$19,920,163$52,135,079
65$82,053,729$28,382,028$20,505,120$56,562,346
66$90,338,247$29,687,786$21,107,080$61,404,589
67$99,465,109$31,054,849$21,726,528$66,702,555
68$109,520,152$32,486,137$22,363,968$72,501,080
69$120,597,960$33,984,711$23,019,914$78,849,498
70$132,802,768$35,553,778$23,694,898$85,802,096
71$146,249,437$37,196,699$24,389,463$93,418,620
72$161,064,541$38,916,999$25,104,171$101,764,823
73$177,387,561$40,718,369$25,839,598$110,913,078
74$195,372,205$42,604,681$26,596,337$120,943,047
75$215,187,852$44,579,993$27,374,996$131,942,418
76$237,021,157$46,648,557$28,176,203$144,007,724
77$261,077,809$48,814,830$29,000,600$157,245,238
78$287,584,476$51,083,487$29,848,851$171,771,959
79$316,790,940$53,459,426$30,721,634$187,716,707
80$348,972,458$55,947,779$31,619,651$205,221,317
81$384,432,359$58,553,931$32,543,620$224,441,965
82$423,504,908$61,283,523$33,494,280$245,550,622
83$466,558,462$64,142,468$34,472,391$268,736,661
84$513,998,944$67,136,968$35,478,735$294,208,625
85$566,273,678$70,273,521$36,514,114$322,196,175
86$623,875,610$73,558,940$37,579,354$352,952,238
87$687,347,963$77,000,369$38,675,303$386,755,368
88$757,289,362$80,605,295$39,802,833$423,912,360
89$834,359,490$84,381,566$40,962,841$464,761,117
90$919,285,308$88,337,414$42,156,246$509,673,813
91$1,012,867,927$92,481,464$43,383,998$559,060,385
92$1,115,990,161$96,822,762$44,647,067$613,372,371
93$1,229,624,869$101,370,789$45,946,456$673,107,145
94$1,354,844,134$106,135,486$47,283,190$738,812,582
95$1,492,829,386$111,127,275$48,658,328$811,092,196
96$1,644,882,555$116,357,083$50,072,953$890,610,809
97$1,812,438,362$121,836,366$51,528,183$978,100,784
98$1,997,077,861$127,577,134$53,025,163$1,074,368,912
99$2,200,543,368$133,591,979$54,565,072$1,180,303,982
100$2,424,754,910$139,894,105$56,149,120$1,296,885,134