Can I retire at age 45 with 13,300,000?

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 $13,300,000?

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$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,039,998
2 years$543,714$533,587$523,774$514,258$505,029$484,396
3 years$358,875$348,705$338,916$329,490$320,411$300,351
4 years$266,474$256,335$246,644$237,379$228,520$209,187
5 years$211,048$200,970$191,406$182,330$173,717$155,167
6 years$174,109$164,107$154,685$145,811$137,456$119,709
7 years$147,735$137,817$128,544$119,879$111,789$94,849
8 years$127,963$118,135$109,015$100,564$92,740$76,602
9 years$112,593$102,857$93,895$85,658$78,100$62,755
10 years$100,304$90,664$81,860$73,838$66,545$51,978
11 years$90,256$80,713$72,068$64,261$57,231$43,424
12 years$81,889$72,443$63,958$56,366$49,595$36,529
13 years$74,814$65,468$57,143$49,762$43,248$30,901
14 years$68,756$59,508$51,343$44,173$37,911$26,261
15 years$63,510$54,362$46,356$39,395$33,380$22,402
16 years$58,924$49,876$42,028$35,274$29,501$19,171
17 years$54,882$45,934$38,244$31,693$26,158$16,450
18 years$51,293$42,445$34,912$28,562$23,258$14,146
19 years$48,086$39,338$31,960$25,808$20,731$12,189
20 years$45,202$36,554$29,331$23,374$18,517$10,519
21 years$42,597$34,049$26,979$21,214$16,571$9,091
22 years$40,232$31,783$24,866$19,288$14,853$7,866
23 years$38,076$29,726$22,959$17,566$13,333$6,813
24 years$36,102$27,852$21,233$16,021$11,984$5,906
25 years$34,289$26,137$19,666$14,632$10,784$5,124
26 years$32,619$24,565$18,239$13,378$9,714$4,448
27 years$31,074$23,119$16,937$12,246$8,758$3,863
28 years$29,643$21,784$15,745$11,220$7,902$3,357
29 years$28,312$20,551$14,652$10,289$7,136$2,919
30 years$27,073$19,408$13,648$9,442$6,447$2,539
31 years$25,916$18,347$12,723$8,672$5,829$2,209
32 years$24,833$17,360$11,871$7,970$5,273$1,922
33 years$23,818$16,441$11,084$7,329$4,772$1,673
34 years$22,865$15,582$10,356$6,743$4,320$1,457
35 years$21,968$14,779$9,683$6,208$3,913$1,268
36 years$21,123$14,028$9,058$5,717$3,546$1,105
37 years$20,326$13,323$8,478$5,267$3,213$962
38 years$19,572$12,662$7,939$4,855$2,913$838
39 years$18,859$12,040$7,438$4,477$2,642$730
40 years$18,183$11,455$6,972$4,129$2,396$636
41 years$17,542$10,904$6,537$3,810$2,174$554
42 years$16,933$10,385$6,132$3,516$1,973$483
43 years$16,354$9,895$5,754$3,245$1,790$421
44 years$15,802$9,432$5,401$2,997$1,625$367
45 years$15,277$8,994$5,072$2,768$1,475$320
46 years$14,776$8,580$4,764$2,556$1,339$279
47 years$14,298$8,188$4,475$2,362$1,216$243
48 years$13,841$7,816$4,205$2,182$1,105$212
49 years$13,404$7,464$3,953$2,017$1,003$185
50 years$12,985$7,130$3,716$1,864$911$161

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,300,000, adding $5,779 every year, while hoping to spend $26,513 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: 79/12/9 Blend
44$13,300,000$13,300,000$13,300,000$13,300,000
45$14,662,561$13,957,661$13,751,511$15,800,486
46$16,129,933$14,613,377$14,183,977$17,203,775
47$17,746,088$15,300,334$14,630,042$18,738,812
48$19,526,174$16,020,036$15,090,134$20,421,993
49$21,486,883$16,774,057$15,564,693$22,268,089
50$23,646,610$17,564,050$16,054,174$24,293,365
51$26,025,622$18,391,747$16,559,048$26,515,727
52$28,646,257$19,258,964$17,079,797$28,954,894
53$31,533,125$20,167,603$17,616,920$31,632,580
54$34,713,350$21,119,662$18,170,934$34,572,696
55$38,216,820$22,117,233$18,742,368$37,801,574
56$42,076,468$23,162,511$19,331,770$41,348,215
57$46,328,589$24,257,795$19,939,705$45,244,556
58$51,013,177$25,405,498$20,566,757$49,525,774
59$56,174,303$26,608,150$21,213,525$54,230,612
60$61,860,534$27,868,401$21,880,630$59,401,741
61$68,125,388$29,189,033$22,568,712$65,086,164
62$75,027,844$30,572,961$23,278,429$71,335,653
63$82,632,889$32,023,242$24,010,462$78,207,236
64$91,012,145$33,543,082$24,765,513$85,763,731
65$100,244,531$35,135,840$25,544,305$94,074,337
66$110,417,019$36,805,042$26,347,585$103,215,281
67$121,625,448$38,554,382$27,176,123$113,270,536
68$133,975,432$40,387,736$28,030,712$124,332,610
69$147,583,357$42,309,166$28,912,171$136,503,414
70$162,577,477$44,322,932$29,821,346$149,895,217
71$179,099,127$46,433,503$30,759,108$164,631,706
72$197,304,055$48,645,562$31,726,356$180,849,148
73$217,363,896$50,964,021$32,724,016$198,697,667
74$239,467,787$53,394,033$33,753,045$218,342,662
75$263,824,158$55,940,997$34,814,428$239,966,357
76$290,662,695$58,610,578$35,909,184$263,769,521
77$320,236,509$61,408,716$37,038,361$289,973,354
78$352,824,528$64,341,638$38,203,041$318,821,568
79$388,734,127$67,415,876$39,404,341$350,582,686
80$428,304,033$70,638,279$40,643,411$385,552,564
81$471,907,519$74,016,028$41,921,440$424,057,182
82$519,955,929$77,556,657$43,239,651$466,455,710
83$572,902,563$81,268,062$44,599,309$513,143,893
84$631,246,954$85,158,527$46,001,715$564,557,781
85$695,539,586$89,236,737$47,448,215$621,177,829
86$766,387,087$93,511,801$48,940,194$683,533,435
87$844,457,961$97,993,271$50,479,081$752,207,919
88$930,488,895$102,691,163$52,066,353$827,844,023
89$1,025,291,716$107,615,983$53,703,528$911,149,974
90$1,129,761,052$112,778,747$55,392,178$1,002,906,148
91$1,244,882,782$118,191,009$57,133,919$1,103,972,439
92$1,371,743,341$123,864,883$58,930,420$1,215,296,354
93$1,511,539,976$129,813,077$60,783,403$1,337,921,954
94$1,665,592,050$136,048,915$62,694,644$1,472,999,692
95$1,835,353,499$142,586,371$64,665,974$1,621,797,264
96$2,022,426,554$149,440,101$66,699,282$1,785,711,563
97$2,228,576,870$156,625,474$68,796,516$1,966,281,850
98$2,455,750,198$164,158,609$70,959,686$2,165,204,270
99$2,706,090,747$172,056,409$73,190,865$2,384,347,852
100$2,981,961,434$180,336,604$75,492,190$2,625,772,135