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%17.7%
1 years$1,098,302$1,088,518$1,078,974$1,069,658$1,060,561$1,027,434
2 years$543,714$533,587$523,774$514,258$505,029$471,950
3 years$358,875$348,705$338,916$329,490$320,411$288,416
4 years$266,474$256,335$246,644$237,379$228,520$197,855
5 years$211,048$200,970$191,406$182,330$173,717$144,465
6 years$174,109$164,107$154,685$145,811$137,456$109,642
7 years$147,735$137,817$128,544$119,879$111,789$85,410
8 years$127,963$118,135$109,015$100,564$92,740$67,779
9 years$112,593$102,857$93,895$85,658$78,100$54,530
10 years$100,304$90,664$81,860$73,838$66,545$44,330
11 years$90,256$80,713$72,068$64,261$57,231$36,332
12 years$81,889$72,443$63,958$56,366$49,595$29,968
13 years$74,814$65,468$57,143$49,762$43,248$24,846
14 years$68,756$59,508$51,343$44,173$37,911$20,684
15 years$63,510$54,362$46,356$39,395$33,380$17,278
16 years$58,924$49,876$42,028$35,274$29,501$14,473
17 years$54,882$45,934$38,244$31,693$26,158$12,151
18 years$51,293$42,445$34,912$28,562$23,258$10,221
19 years$48,086$39,338$31,960$25,808$20,731$8,611
20 years$45,202$36,554$29,331$23,374$18,517$7,265
21 years$42,597$34,049$26,979$21,214$16,571$6,135
22 years$40,232$31,783$24,866$19,288$14,853$5,186
23 years$38,076$29,726$22,959$17,566$13,333$4,388
24 years$36,102$27,852$21,233$16,021$11,984$3,714
25 years$34,289$26,137$19,666$14,632$10,784$3,146
26 years$32,619$24,565$18,239$13,378$9,714$2,666
27 years$31,074$23,119$16,937$12,246$8,758$2,260
28 years$29,643$21,784$15,745$11,220$7,902$1,917
29 years$28,312$20,551$14,652$10,289$7,136$1,626
30 years$27,073$19,408$13,648$9,442$6,447$1,379
31 years$25,916$18,347$12,723$8,672$5,829$1,171
32 years$24,833$17,360$11,871$7,970$5,273$994
33 years$23,818$16,441$11,084$7,329$4,772$844
34 years$22,865$15,582$10,356$6,743$4,320$716
35 years$21,968$14,779$9,683$6,208$3,913$608
36 years$21,123$14,028$9,058$5,717$3,546$516
37 years$20,326$13,323$8,478$5,267$3,213$439
38 years$19,572$12,662$7,939$4,855$2,913$372
39 years$18,859$12,040$7,438$4,477$2,642$316
40 years$18,183$11,455$6,972$4,129$2,396$269
41 years$17,542$10,904$6,537$3,810$2,174$228
42 years$16,933$10,385$6,132$3,516$1,973$194
43 years$16,354$9,895$5,754$3,245$1,790$165
44 years$15,802$9,432$5,401$2,997$1,625$140
45 years$15,277$8,994$5,072$2,768$1,475$119
46 years$14,776$8,580$4,764$2,556$1,339$101
47 years$14,298$8,188$4,475$2,362$1,216$86
48 years$13,841$7,816$4,205$2,182$1,105$73
49 years$13,404$7,464$3,953$2,017$1,003$62
50 years$12,985$7,130$3,716$1,864$911$53

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 $3,188 every year, while hoping to spend $34,185 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: 49/25/26 Blend
44$13,300,000$13,300,000$13,300,000$13,300,000
45$14,659,888$13,954,988$13,748,838$15,269,959
46$16,118,824$14,602,410$14,173,052$16,344,346
47$17,725,426$15,280,410$14,610,331$17,507,267
48$19,494,720$15,990,450$15,061,077$18,770,062
49$21,443,262$16,734,063$15,525,704$20,142,184
50$23,589,298$17,512,855$16,004,638$21,634,023
51$25,952,933$18,328,512$16,498,320$23,256,993
52$28,556,320$19,182,797$17,007,202$25,023,643
53$31,423,873$20,077,562$17,531,751$26,947,766
54$34,582,493$21,014,748$18,072,450$29,044,527
55$38,061,823$21,996,387$18,629,793$31,330,599
56$41,894,531$23,024,611$19,204,293$33,824,317
57$46,116,613$24,101,657$19,796,476$36,545,848
58$50,767,735$25,229,866$20,406,886$39,517,372
59$55,891,610$26,411,695$21,036,082$42,763,286
60$61,536,405$27,649,719$21,684,642$46,310,430
61$67,755,200$28,946,637$22,353,160$50,188,335
62$74,606,488$30,305,280$23,042,248$54,429,492
63$82,154,726$31,728,614$23,752,539$59,069,654
64$90,470,942$33,219,751$24,484,684$64,148,168
65$99,633,411$34,781,951$25,239,353$69,708,334
66$109,728,386$36,418,634$26,017,239$75,797,811
67$120,850,918$38,133,384$26,819,053$82,469,055
68$133,105,750$39,929,958$27,645,530$89,779,810
69$146,608,309$41,812,299$28,497,428$97,793,639
70$161,485,791$43,784,535$29,375,525$106,580,521
71$177,878,364$45,851,000$30,280,628$116,217,494
72$195,940,491$48,016,233$31,213,563$126,789,379
73$215,842,389$50,284,997$32,175,186$138,389,569
74$237,771,634$52,662,283$33,166,376$151,120,897
75$261,934,932$55,153,326$34,188,040$165,096,595
76$288,560,070$57,763,613$35,241,114$180,441,356
77$317,898,066$60,498,900$36,326,561$197,292,493
78$350,225,542$63,365,218$37,445,373$215,801,224
79$385,847,329$66,368,896$38,598,575$236,134,087
80$425,099,349$69,516,565$39,787,221$258,474,497
81$468,351,788$72,815,181$41,012,397$283,024,461
82$516,012,582$76,272,038$42,275,225$310,006,472
83$568,531,279$79,894,780$43,576,858$339,665,592
84$626,403,272$83,691,428$44,918,486$372,271,747
85$690,174,486$87,670,388$46,301,336$408,122,259
86$760,446,524$91,840,477$47,726,670$447,544,634
87$837,882,348$96,210,939$49,195,792$490,899,632
88$923,212,539$100,791,467$50,710,043$538,584,657
89$1,017,242,195$105,592,226$52,270,806$591,037,482
90$1,120,858,529$110,623,874$53,879,508$648,740,362
91$1,235,039,243$115,897,589$55,537,616$712,224,564
92$1,360,861,765$121,425,089$57,246,645$782,075,358
93$1,499,513,412$127,218,666$59,008,155$858,937,513
94$1,652,302,605$133,291,206$60,823,753$943,521,364
95$1,820,671,219$139,656,223$62,695,097$1,036,609,483
96$2,006,208,195$146,327,889$64,623,894$1,139,064,042
97$2,210,664,540$153,321,065$66,611,904$1,251,834,921
98$2,435,969,860$160,651,335$68,660,940$1,375,968,643
99$2,684,250,576$168,335,040$70,772,871$1,512,618,220
100$2,957,849,995$176,389,318$72,949,623$1,663,054,005