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

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 $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%14.1%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,026,884
2 years$535,538$525,564$515,897$506,525$497,434$479,628
3 years$353,479$343,462$333,820$324,536$315,593$298,263
4 years$262,467$252,481$242,935$233,810$225,083$208,364
5 years$207,874$197,948$188,528$179,588$171,105$155,043
6 years$171,491$161,639$152,358$143,618$135,389$120,004
7 years$145,513$135,744$126,611$118,076$110,108$95,403
8 years$126,039$116,358$107,376$99,051$91,345$77,318
9 years$110,900$101,311$92,483$84,370$76,926$63,568
10 years$98,796$89,300$80,629$72,728$65,545$52,846
11 years$88,899$79,499$70,984$63,295$56,371$44,317
12 years$80,658$71,354$62,997$55,518$48,850$37,425
13 years$73,689$64,483$56,283$49,014$42,598$31,785
14 years$67,722$58,613$50,571$43,509$37,341$27,121
15 years$62,555$53,544$45,659$38,803$32,878$23,232
16 years$58,038$49,126$41,396$34,744$29,058$19,965
17 years$54,057$45,243$37,669$31,217$25,764$17,205
18 years$50,522$41,807$34,387$28,133$22,909$14,860
19 years$47,362$38,746$31,480$25,420$20,419$12,861
20 years$44,523$36,005$28,890$23,023$18,239$11,149
21 years$41,957$33,537$26,574$20,895$16,321$9,679
22 years$39,627$31,305$24,492$18,998$14,630$8,414
23 years$37,503$29,279$22,614$17,302$13,133$7,321
24 years$35,559$27,433$20,914$15,780$11,804$6,377
25 years$33,774$25,744$19,370$14,412$10,622$5,559
26 years$32,128$24,196$17,965$13,177$9,568$4,849
27 years$30,607$22,771$16,682$12,061$8,626$4,232
28 years$29,197$21,457$15,508$11,051$7,783$3,696
29 years$27,887$20,242$14,432$10,134$7,028$3,229
30 years$26,666$19,117$13,443$9,300$6,350$2,822
31 years$25,526$18,071$12,532$8,542$5,741$2,467
32 years$24,460$17,099$11,693$7,850$5,194$2,158
33 years$23,460$16,193$10,918$7,219$4,700$1,888
34 years$22,521$15,348$10,201$6,642$4,255$1,652
35 years$21,638$14,557$9,537$6,114$3,854$1,446
36 years$20,806$13,817$8,922$5,631$3,492$1,265
37 years$20,020$13,123$8,350$5,188$3,165$1,108
38 years$19,278$12,471$7,820$4,782$2,869$970
39 years$18,575$11,859$7,326$4,409$2,602$849
40 years$17,910$11,283$6,867$4,067$2,360$744
41 years$17,278$10,740$6,439$3,752$2,141$652
42 years$16,678$10,229$6,040$3,463$1,943$571
43 years$16,108$9,746$5,668$3,197$1,763$500
44 years$15,565$9,290$5,320$2,952$1,601$438
45 years$15,047$8,859$4,995$2,726$1,453$384
46 years$14,554$8,451$4,692$2,518$1,319$336
47 years$14,083$8,065$4,408$2,326$1,198$295
48 years$13,632$7,699$4,142$2,150$1,088$258
49 years$13,202$7,352$3,893$1,987$988$226
50 years$12,790$7,023$3,660$1,836$898$198

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 $6,202 every year, while hoping to spend $21,573 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: 40/36/24 Blend
44$13,100,000$13,100,000$13,100,000$13,100,000
45$14,442,597$13,748,297$13,545,247$14,917,542
46$15,892,789$14,399,010$13,976,060$15,911,331
47$17,490,177$15,080,885$14,420,581$16,983,270
48$19,249,752$15,795,426$14,879,248$18,142,548
49$21,188,035$16,544,211$15,352,511$19,397,153
50$23,323,230$17,328,892$15,840,835$20,755,851
51$25,675,396$18,151,204$16,344,700$22,228,256
52$28,266,638$19,012,965$16,864,599$23,824,923
53$31,121,316$19,916,081$17,401,044$25,557,436
54$34,266,273$20,862,552$17,954,562$27,438,512
55$37,731,089$21,854,473$18,525,696$29,482,118
56$41,548,360$22,894,042$19,115,007$31,703,590
57$45,754,007$23,983,565$19,723,074$34,119,777
58$50,387,613$25,125,456$20,350,494$36,749,188
59$55,492,798$26,322,252$20,997,884$39,612,159
60$61,117,629$27,576,609$21,665,879$42,731,042
61$67,315,078$28,891,312$22,355,136$46,130,399
62$74,143,514$30,269,285$23,066,332$49,837,233
63$81,667,264$31,713,591$23,800,165$53,881,229
64$89,957,211$33,227,443$24,557,356$58,295,024
65$99,091,469$34,814,211$25,338,650$63,114,508
66$109,156,118$36,477,426$26,144,814$68,379,149
67$120,246,016$38,220,795$26,976,640$74,132,357
68$132,465,698$40,048,201$27,834,945$80,421,881
69$145,930,356$41,963,721$28,720,573$87,300,246
70$160,766,934$43,971,625$29,634,394$94,825,236
71$177,115,322$46,076,394$30,577,306$103,060,432
72$195,129,674$48,282,727$31,550,236$112,075,788
73$214,979,871$50,595,551$32,554,139$121,948,285
74$236,853,118$53,020,033$33,590,003$132,762,641
75$260,955,713$55,561,592$34,658,845$144,612,089
76$287,514,996$58,225,909$35,761,716$157,599,248
77$316,781,491$61,018,945$36,899,700$171,837,068
78$349,031,279$63,946,949$38,073,915$187,449,884
79$384,568,594$67,016,474$39,285,516$204,574,563
80$423,728,703$70,234,394$40,535,693$223,361,782
81$466,881,068$73,607,916$41,825,676$243,977,427
82$514,432,833$77,144,600$43,156,732$266,604,136
83$566,832,670$80,852,374$44,530,170$291,443,002
84$624,575,012$84,739,550$45,947,341$318,715,446
85$688,204,724$88,814,848$47,409,638$348,665,283
86$758,322,243$93,087,413$48,918,498$381,560,995
87$835,589,249$97,566,833$50,475,404$417,698,241
88$920,734,910$102,263,166$52,081,889$457,402,616
89$1,014,562,770$107,186,960$53,739,530$501,032,696
90$1,117,958,327$112,349,276$55,449,959$548,983,392
91$1,231,897,401$117,761,715$57,214,858$601,689,643
92$1,357,455,341$123,436,444$59,035,961$659,630,488
93$1,495,817,180$129,386,224$60,915,059$723,333,553
94$1,648,288,820$135,624,437$62,854,002$793,379,993
95$1,816,309,364$142,165,119$64,854,695$870,409,936
96$2,001,464,698$149,022,989$66,919,107$955,128,490
97$2,205,502,468$156,213,485$69,049,267$1,048,312,350
98$2,430,348,573$163,752,800$71,247,271$1,150,817,087
99$2,678,125,355$171,657,914$73,515,282$1,263,585,178
100$2,951,171,626$179,946,637$75,855,529$1,387,654,851