Can I retire at age 45 with 11,400,000?

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 $11,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$941,401$933,016$924,835$916,849$909,052$882,783
2 years$466,040$457,361$448,949$440,793$432,882$406,625
3 years$307,607$298,890$290,500$282,420$274,638$249,216
4 years$228,406$219,716$211,409$203,468$195,874$171,482
5 years$180,898$172,260$164,062$156,283$148,900$125,605
6 years$149,236$140,663$132,587$124,981$117,820$95,642
7 years$126,630$118,129$110,180$102,754$95,819$74,759
8 years$109,682$101,258$93,442$86,197$79,491$59,536
9 years$96,508$88,163$80,481$73,421$66,943$48,073
10 years$85,975$77,712$70,165$63,290$57,039$39,229
11 years$77,362$69,182$61,772$55,081$49,055$32,276
12 years$70,191$62,094$54,821$48,313$42,510$26,728
13 years$64,127$56,115$48,979$42,653$37,070$22,250
14 years$58,934$51,007$44,008$37,863$32,495$18,600
15 years$54,437$46,596$39,733$33,767$28,611$15,603
16 years$50,506$42,751$36,024$30,235$25,287$13,127
17 years$47,042$39,372$32,781$27,166$22,421$11,069
18 years$43,965$36,381$29,924$24,482$19,936$9,353
19 years$41,216$33,718$27,394$22,121$17,769$7,915
20 years$38,745$31,332$25,141$20,035$15,872$6,708
21 years$36,512$29,185$23,125$18,183$14,203$5,692
22 years$34,485$27,243$21,313$16,533$12,731$4,834
23 years$32,637$25,480$19,679$15,057$11,428$4,109
24 years$30,945$23,873$18,200$13,733$10,272$3,495
25 years$29,391$22,404$16,857$12,541$9,243$2,974
26 years$27,959$21,056$15,634$11,467$8,326$2,533
27 years$26,635$19,816$14,517$10,496$7,507$2,158
28 years$25,408$18,672$13,496$9,617$6,773$1,839
29 years$24,268$17,615$12,559$8,819$6,116$1,567
30 years$23,205$16,636$11,698$8,093$5,526$1,337
31 years$22,214$15,726$10,906$7,433$4,996$1,140
32 years$21,286$14,880$10,175$6,831$4,520$972
33 years$20,416$14,092$9,501$6,282$4,090$830
34 years$19,599$13,356$8,877$5,780$3,703$708
35 years$18,830$12,668$8,299$5,321$3,354$604
36 years$18,106$12,024$7,764$4,900$3,039$516
37 years$17,422$11,420$7,267$4,515$2,754$440
38 years$16,776$10,853$6,805$4,162$2,497$376
39 years$16,165$10,320$6,376$3,837$2,264$321
40 years$15,586$9,819$5,976$3,539$2,054$274
41 years$15,036$9,346$5,603$3,265$1,863$234
42 years$14,514$8,901$5,256$3,014$1,691$200
43 years$14,017$8,481$4,932$2,782$1,535$170
44 years$13,545$8,084$4,630$2,569$1,393$145
45 years$13,095$7,709$4,347$2,372$1,264$124
46 years$12,665$7,354$4,083$2,191$1,148$106
47 years$12,255$7,018$3,836$2,024$1,043$91
48 years$11,863$6,700$3,605$1,871$947$77
49 years$11,489$6,398$3,388$1,729$860$66
50 years$11,130$6,111$3,185$1,598$781$56

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $11,400,000, adding $3,945 every year, while hoping to spend $30,153 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: 43/30/27 Blend
44$11,400,000$11,400,000$11,400,000$11,400,000
45$12,566,869$11,962,669$11,785,969$13,008,129
46$13,816,607$12,516,758$12,148,717$13,878,369
47$15,192,808$13,096,985$12,522,606$14,817,493
48$16,708,339$13,704,602$12,907,977$15,834,466
49$18,377,379$14,340,917$13,305,184$16,936,517
50$20,215,551$15,007,302$13,714,587$18,131,581
51$22,240,073$15,705,195$14,136,562$19,428,376
52$24,469,917$16,436,106$14,571,492$20,836,472
53$26,925,987$17,201,613$15,019,776$22,366,384
54$29,631,320$18,003,375$15,481,821$24,029,664
55$32,611,303$18,843,128$15,958,050$25,839,006
56$35,893,907$19,722,693$16,448,896$27,808,358
57$39,509,959$20,643,979$16,954,808$29,953,055
58$43,493,427$21,608,986$17,476,246$32,289,949
59$47,881,743$22,619,812$18,013,686$34,837,573
60$52,716,154$23,678,657$18,567,618$37,616,299
61$58,042,115$24,787,824$19,138,547$40,648,534
62$63,909,715$25,949,732$19,726,992$43,958,919
63$70,374,150$27,166,913$20,333,491$47,574,556
64$77,496,245$28,442,023$20,958,595$51,525,257
65$85,343,028$29,777,848$21,602,873$55,843,820
66$93,988,361$31,177,307$22,266,914$60,566,327
67$103,513,639$32,643,460$22,951,320$65,732,481
68$114,008,557$34,179,516$23,656,716$71,385,968
69$125,571,957$35,788,839$24,383,743$77,574,863
70$138,312,761$37,474,957$25,133,063$84,352,075
71$152,351,000$39,241,568$25,905,358$91,775,836
72$167,818,945$41,092,547$26,701,331$99,910,241
73$184,862,357$43,031,962$27,521,705$108,825,840
74$203,641,862$45,064,073$28,367,227$118,600,298
75$224,334,468$47,193,348$29,238,665$129,319,113
76$247,135,236$49,424,475$30,136,813$141,076,412
77$272,259,120$51,762,364$31,062,485$153,975,826
78$299,942,997$54,212,166$32,016,525$168,131,460
79$330,447,902$56,779,282$32,999,799$183,668,948
80$364,061,496$59,469,375$34,013,200$200,726,632
81$401,100,776$62,288,381$35,057,649$219,456,851
82$441,915,069$65,242,526$36,134,095$240,027,361
83$486,889,334$68,338,338$37,243,515$262,622,905
84$536,447,791$71,582,661$38,386,917$287,446,939
85$591,057,926$74,982,672$39,565,339$314,723,536
86$651,234,907$78,545,896$40,779,851$344,699,479
87$717,546,446$82,280,223$42,031,554$377,646,576
88$790,618,158$86,193,928$43,321,586$413,864,200
89$871,139,466$90,295,687$44,651,115$453,682,101
90$959,870,113$94,594,597$46,021,349$497,463,489
91$1,057,647,331$99,100,198$47,433,530$545,608,443
92$1,165,393,744$103,822,493$48,888,939$598,557,665
93$1,284,126,082$108,771,972$50,388,895$656,796,612
94$1,414,964,778$113,959,634$51,934,758$720,860,052
95$1,559,144,542$119,397,013$53,527,930$791,337,088
96$1,718,026,023$125,096,205$55,169,853$868,876,685
97$1,893,108,651$131,069,892$56,862,016$954,193,770
98$2,086,044,791$137,331,374$58,605,952$1,048,075,947
99$2,298,655,348$143,894,600$60,403,239$1,151,390,899
100$2,532,946,953$150,774,195$62,255,507$1,265,094,547