Can I retire at age 45 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,011,984
2 years$535,538$525,564$515,897$506,525$497,434$464,853
3 years$353,479$343,462$333,820$324,536$315,593$284,079
4 years$262,467$252,481$242,935$233,810$225,083$194,880
5 years$207,874$197,948$188,528$179,588$171,105$142,293
6 years$171,491$161,639$152,358$143,618$135,389$107,993
7 years$145,513$135,744$126,611$118,076$110,108$84,126
8 years$126,039$116,358$107,376$99,051$91,345$66,759
9 years$110,900$101,311$92,483$84,370$76,926$53,710
10 years$98,796$89,300$80,629$72,728$65,545$43,664
11 years$88,899$79,499$70,984$63,295$56,371$35,786
12 years$80,658$71,354$62,997$55,518$48,850$29,517
13 years$73,689$64,483$56,283$49,014$42,598$24,472
14 years$67,722$58,613$50,571$43,509$37,341$20,373
15 years$62,555$53,544$45,659$38,803$32,878$17,018
16 years$58,038$49,126$41,396$34,744$29,058$14,255
17 years$54,057$45,243$37,669$31,217$25,764$11,968
18 years$50,522$41,807$34,387$28,133$22,909$10,067
19 years$47,362$38,746$31,480$25,420$20,419$8,482
20 years$44,523$36,005$28,890$23,023$18,239$7,155
21 years$41,957$33,537$26,574$20,895$16,321$6,043
22 years$39,627$31,305$24,492$18,998$14,630$5,108
23 years$37,503$29,279$22,614$17,302$13,133$4,322
24 years$35,559$27,433$20,914$15,780$11,804$3,658
25 years$33,774$25,744$19,370$14,412$10,622$3,099
26 years$32,128$24,196$17,965$13,177$9,568$2,626
27 years$30,607$22,771$16,682$12,061$8,626$2,226
28 years$29,197$21,457$15,508$11,051$7,783$1,888
29 years$27,887$20,242$14,432$10,134$7,028$1,601
30 years$26,666$19,117$13,443$9,300$6,350$1,359
31 years$25,526$18,071$12,532$8,542$5,741$1,153
32 years$24,460$17,099$11,693$7,850$5,194$979
33 years$23,460$16,193$10,918$7,219$4,700$831
34 years$22,521$15,348$10,201$6,642$4,255$705
35 years$21,638$14,557$9,537$6,114$3,854$599
36 years$20,806$13,817$8,922$5,631$3,492$509
37 years$20,020$13,123$8,350$5,188$3,165$432
38 years$19,278$12,471$7,820$4,782$2,869$367
39 years$18,575$11,859$7,326$4,409$2,602$312
40 years$17,910$11,283$6,867$4,067$2,360$265
41 years$17,278$10,740$6,439$3,752$2,141$225
42 years$16,678$10,229$6,040$3,463$1,943$191
43 years$16,108$9,746$5,668$3,197$1,763$162
44 years$15,565$9,290$5,320$2,952$1,601$138
45 years$15,047$8,859$4,995$2,726$1,453$117
46 years$14,554$8,451$4,692$2,518$1,319$99
47 years$14,083$8,065$4,408$2,326$1,198$85
48 years$13,632$7,699$4,142$2,150$1,088$72
49 years$13,202$7,352$3,893$1,987$988$61
50 years$12,790$7,023$3,660$1,836$898$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,100,000, adding $6,809 every year, while hoping to spend $55,765 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: 67/21/12 Blend
44$13,100,000$13,100,000$13,100,000$13,100,000
45$14,443,223$13,748,923$13,545,873$15,372,139
46$15,857,099$14,363,287$13,940,327$16,605,802
47$17,413,320$15,005,886$14,346,125$17,946,862
48$19,126,349$15,678,044$14,763,590$19,411,663
49$21,012,117$16,381,149$15,193,051$21,012,314
50$23,088,183$17,116,655$15,634,848$22,762,142
51$25,373,891$17,886,085$16,089,329$24,675,810
52$27,890,560$18,691,034$16,556,853$26,769,451
53$30,661,677$19,533,175$17,037,788$29,060,825
54$33,713,126$20,414,259$17,532,512$31,569,473
55$37,073,427$21,336,120$18,041,413$34,316,907
56$40,774,008$22,300,682$18,564,893$37,326,804
57$44,849,500$23,309,958$19,103,360$40,625,227
58$49,338,064$24,366,060$19,657,237$44,240,871
59$54,281,749$25,471,200$20,226,957$48,205,323
60$59,726,893$26,627,694$20,812,965$52,553,363
61$65,724,556$27,837,972$21,415,720$57,323,282
62$72,331,005$29,104,576$22,035,691$62,557,242
63$79,608,242$30,430,175$22,673,360$68,301,671
64$87,624,590$31,817,561$23,329,226$74,607,691
65$96,455,340$33,269,663$24,003,796$81,531,601
66$106,183,457$34,789,549$24,697,596$89,135,398
67$116,900,366$36,380,434$25,411,162$97,487,360
68$128,706,816$38,045,687$26,145,048$106,662,686
69$141,713,825$39,788,840$26,899,822$116,744,193
70$156,043,736$41,613,593$27,676,066$127,823,099
71$171,831,363$43,523,825$28,474,380$139,999,872
72$189,225,269$45,523,600$29,295,379$153,385,176
73$208,389,168$47,617,178$30,139,696$168,100,901
74$229,503,467$49,809,023$31,007,979$184,281,315
75$252,766,970$52,103,815$31,900,896$202,074,318
76$278,398,756$54,506,457$32,819,131$221,642,828
77$306,640,245$57,022,090$33,763,388$243,166,316
78$337,757,478$59,656,100$34,734,390$266,842,488
79$372,043,626$62,414,135$35,732,877$292,889,139
80$409,821,761$65,302,112$36,759,613$321,546,205
81$451,447,900$68,326,235$37,815,380$353,078,012
82$497,314,372$71,493,006$38,900,981$387,775,765
83$547,853,515$74,809,241$40,017,241$425,960,279
84$603,541,763$78,282,083$41,165,008$467,985,005
85$664,904,138$81,919,021$42,345,152$514,239,346
86$732,519,212$85,727,904$43,558,565$565,152,323
87$807,024,560$89,716,960$44,806,166$621,196,613
88$889,122,788$93,894,814$46,088,896$682,892,993
89$979,588,160$98,270,507$47,407,721$750,815,246
90$1,079,273,907$102,853,517$48,763,635$825,595,559
91$1,189,120,285$107,653,779$50,157,656$907,930,474
92$1,310,163,447$112,681,707$51,590,830$998,587,451
93$1,443,545,228$117,948,220$53,064,232$1,098,412,090
94$1,590,523,921$123,464,763$54,578,964$1,208,336,098
95$1,752,486,159$129,243,334$56,136,158$1,329,386,066
96$1,930,960,003$135,296,513$57,736,974$1,462,693,138
97$2,127,629,367$141,637,486$59,382,606$1,609,503,668
98$2,344,349,916$148,280,076$61,074,277$1,771,190,967
99$2,583,166,586$155,238,778$62,813,244$1,949,268,241
100$2,846,332,884$162,528,785$64,600,794$2,145,402,853