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%14.7%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,024,359
2 years$535,538$525,564$515,897$506,525$497,434$477,112
3 years$353,479$343,462$333,820$324,536$315,593$295,834
4 years$262,467$252,481$242,935$233,810$225,083$206,042
5 years$207,874$197,948$188,528$179,588$171,105$152,834
6 years$171,491$161,639$152,358$143,618$135,389$117,909
7 years$145,513$135,744$126,611$118,076$110,108$93,423
8 years$126,039$116,358$107,376$99,051$91,345$75,450
9 years$110,900$101,311$92,483$84,370$76,926$61,811
10 years$98,796$89,300$80,629$72,728$65,545$51,196
11 years$88,899$79,499$70,984$63,295$56,371$42,771
12 years$80,658$71,354$62,997$55,518$48,850$35,980
13 years$73,689$64,483$56,283$49,014$42,598$30,437
14 years$67,722$58,613$50,571$43,509$37,341$25,866
15 years$62,555$53,544$45,659$38,803$32,878$22,065
16 years$58,038$49,126$41,396$34,744$29,058$18,883
17 years$54,057$45,243$37,669$31,217$25,764$16,202
18 years$50,522$41,807$34,387$28,133$22,909$13,934
19 years$47,362$38,746$31,480$25,420$20,419$12,005
20 years$44,523$36,005$28,890$23,023$18,239$10,361
21 years$41,957$33,537$26,574$20,895$16,321$8,954
22 years$39,627$31,305$24,492$18,998$14,630$7,748
23 years$37,503$29,279$22,614$17,302$13,133$6,710
24 years$35,559$27,433$20,914$15,780$11,804$5,817
25 years$33,774$25,744$19,370$14,412$10,622$5,047
26 years$32,128$24,196$17,965$13,177$9,568$4,381
27 years$30,607$22,771$16,682$12,061$8,626$3,805
28 years$29,197$21,457$15,508$11,051$7,783$3,307
29 years$27,887$20,242$14,432$10,134$7,028$2,875
30 years$26,666$19,117$13,443$9,300$6,350$2,500
31 years$25,526$18,071$12,532$8,542$5,741$2,175
32 years$24,460$17,099$11,693$7,850$5,194$1,893
33 years$23,460$16,193$10,918$7,219$4,700$1,648
34 years$22,521$15,348$10,201$6,642$4,255$1,435
35 years$21,638$14,557$9,537$6,114$3,854$1,249
36 years$20,806$13,817$8,922$5,631$3,492$1,088
37 years$20,020$13,123$8,350$5,188$3,165$948
38 years$19,278$12,471$7,820$4,782$2,869$826
39 years$18,575$11,859$7,326$4,409$2,602$719
40 years$17,910$11,283$6,867$4,067$2,360$627
41 years$17,278$10,740$6,439$3,752$2,141$546
42 years$16,678$10,229$6,040$3,463$1,943$476
43 years$16,108$9,746$5,668$3,197$1,763$415
44 years$15,565$9,290$5,320$2,952$1,601$361
45 years$15,047$8,859$4,995$2,726$1,453$315
46 years$14,554$8,451$4,692$2,518$1,319$275
47 years$14,083$8,065$4,408$2,326$1,198$239
48 years$13,632$7,699$4,142$2,150$1,088$209
49 years$13,202$7,352$3,893$1,987$988$182
50 years$12,790$7,023$3,660$1,836$898$159

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 $2,550 every year, while hoping to spend $58,156 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: 46/31/23 Blend
44$13,100,000$13,100,000$13,100,000$13,100,000
45$14,438,830$13,744,530$13,541,480$15,007,610
46$15,849,713$14,356,135$13,933,242$16,019,330
47$17,402,558$14,995,759$14,336,179$17,110,413
48$19,111,781$15,664,714$14,750,604$18,293,041
49$20,993,272$16,364,374$15,176,838$19,575,792
50$23,064,535$17,096,178$15,615,212$20,968,085
51$25,344,861$17,861,633$16,066,065$22,480,270
52$27,855,504$18,662,320$16,529,745$24,123,719
53$30,619,885$19,499,893$17,006,611$25,910,926
54$33,663,810$20,376,086$17,497,030$27,855,626
55$37,015,718$21,292,713$18,001,380$29,972,914
56$40,706,944$22,251,679$18,520,049$32,279,387
57$44,772,018$23,254,976$19,053,435$34,793,290
58$49,248,987$24,304,693$19,601,948$37,534,688
59$54,179,779$25,403,019$20,166,009$40,525,647
60$59,610,594$26,552,245$20,746,049$43,790,435
61$65,592,344$27,754,774$21,342,511$47,355,747
62$72,181,129$29,013,124$21,955,850$51,250,947
63$79,438,768$30,329,931$22,586,535$55,508,342
64$87,433,384$31,707,959$23,235,046$60,163,479
65$96,240,045$33,150,105$23,901,876$65,255,469
66$105,941,471$34,659,402$24,587,530$70,827,353
67$116,628,819$36,239,030$25,292,530$76,926,498
68$128,402,537$37,892,321$26,017,409$83,605,033
69$141,373,319$39,622,768$26,762,714$90,920,338
70$155,663,142$41,434,028$27,529,010$98,935,569
71$171,406,425$43,329,937$28,316,874$107,720,250
72$188,751,290$45,314,514$29,126,899$117,350,916
73$207,860,965$47,391,969$29,959,694$127,911,825
74$228,915,325$49,566,717$30,815,885$139,495,742
75$252,112,584$51,843,382$31,696,113$152,204,804
76$277,671,172$54,226,812$32,601,037$166,151,471
77$305,831,794$56,722,088$33,531,335$181,459,574
78$336,859,702$59,334,535$34,487,699$198,265,471
79$371,047,197$62,069,734$35,470,843$216,719,320
80$408,716,394$64,933,533$36,481,498$236,986,485
81$450,222,253$67,932,063$37,520,416$259,249,073
82$495,955,938$71,071,750$38,588,365$283,707,648
83$546,348,507$74,359,328$39,686,139$310,583,098
84$601,874,977$77,801,858$40,814,547$340,118,710
85$663,058,813$81,406,737$41,974,422$372,582,441
86$730,476,867$85,181,722$43,166,620$408,269,436
87$804,764,823$89,134,942$44,392,018$447,504,788
88$886,623,199$93,274,919$45,651,514$490,646,588
89$976,823,959$97,610,583$46,946,034$538,089,287
90$1,076,217,800$102,151,299$48,276,523$590,267,388
91$1,185,742,183$106,906,880$49,643,954$647,659,534
92$1,306,430,184$111,887,616$51,049,325$710,792,994
93$1,439,420,243$117,104,289$52,493,658$780,248,617
94$1,585,966,915$122,568,206$53,978,002$856,666,288
95$1,747,452,711$128,291,219$55,503,436$940,750,939
96$1,925,401,148$134,285,749$57,071,062$1,033,279,177
97$2,121,491,136$140,564,822$58,682,013$1,135,106,579
98$2,337,572,824$147,142,090$60,337,453$1,247,175,738
99$2,575,685,066$154,031,867$62,038,571$1,370,525,129
100$2,838,074,671$161,249,156$63,786,592$1,506,298,875