Can I retire at age 45 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,066,154
2 years$551,890$541,611$531,650$521,992$512,623$502,192
3 years$364,272$353,949$344,013$334,445$325,229$315,045
4 years$270,481$260,190$250,353$240,949$231,956$222,098
5 years$214,222$203,992$194,284$185,072$176,329$166,826
6 years$176,727$166,575$157,011$148,003$139,524$130,386
7 years$149,956$139,889$130,477$121,682$113,470$104,703
8 years$129,887$119,911$110,654$102,076$94,134$85,737
9 years$114,286$104,404$95,307$86,946$79,275$71,245
10 years$101,812$92,027$83,091$74,948$67,546$59,879
11 years$91,613$81,926$73,152$65,227$58,092$50,781
12 years$83,120$73,533$64,920$57,213$50,341$43,379
13 years$75,940$66,452$58,002$50,511$43,898$37,277
14 years$69,790$60,403$52,115$44,838$38,481$32,192
15 years$64,465$55,179$47,053$39,987$33,882$27,915
16 years$59,810$50,626$42,660$35,804$29,945$24,292
17 years$55,707$46,625$38,819$32,170$26,551$21,201
18 years$52,064$43,083$35,437$28,992$23,608$18,550
19 years$48,809$39,929$32,441$26,196$21,042$16,266
20 years$45,882$37,104$29,772$23,726$18,795$14,291
21 years$43,238$34,561$27,385$21,533$16,820$12,575
22 years$40,837$32,261$25,239$19,578$15,077$11,082
23 years$38,649$30,173$23,304$17,830$13,534$9,777
24 years$36,645$28,271$21,552$16,262$12,164$8,636
25 years$34,805$26,531$19,962$14,852$10,946$7,635
26 years$33,109$24,934$18,514$13,580$9,860$6,756
27 years$31,542$23,466$17,192$12,430$8,889$5,982
28 years$30,089$22,112$15,982$11,388$8,021$5,300
29 years$28,738$20,860$14,872$10,443$7,243$4,699
30 years$27,480$19,700$13,853$9,584$6,544$4,168
31 years$26,306$18,623$12,915$8,802$5,917$3,699
32 years$25,207$17,621$12,050$8,090$5,352$3,283
33 years$24,177$16,688$11,251$7,439$4,844$2,916
34 years$23,209$15,816$10,512$6,845$4,385$2,590
35 years$22,299$15,001$9,828$6,301$3,972$2,301
36 years$21,441$14,239$9,194$5,803$3,599$2,045
37 years$20,632$13,523$8,605$5,347$3,262$1,818
38 years$19,867$12,852$8,059$4,928$2,957$1,617
39 years$19,143$12,221$7,550$4,544$2,682$1,438
40 years$18,457$11,627$7,077$4,191$2,432$1,279
41 years$17,806$11,068$6,636$3,867$2,207$1,137
42 years$17,187$10,541$6,224$3,569$2,002$1,012
43 years$16,600$10,043$5,841$3,294$1,817$900
44 years$16,040$9,573$5,483$3,042$1,649$801
45 years$15,507$9,129$5,148$2,809$1,497$713
46 years$14,998$8,709$4,835$2,595$1,360$634
47 years$14,513$8,311$4,543$2,397$1,235$565
48 years$14,049$7,934$4,269$2,215$1,121$503
49 years$13,605$7,576$4,012$2,047$1,018$447
50 years$13,181$7,237$3,772$1,892$925$398

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,500,000, adding $4,476 every year, while hoping to spend $50,764 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: 41/44/15 Blend
44$13,500,000$13,500,000$13,500,000$13,500,000
45$14,881,617$14,166,117$13,956,867$15,425,673
46$16,345,529$14,806,244$14,370,410$16,450,675
47$17,957,060$15,476,036$14,796,104$17,554,055
48$19,731,211$16,176,893$15,234,305$18,747,192
49$21,684,515$16,910,282$15,685,375$20,038,288
50$23,835,189$17,677,739$16,149,689$21,436,341
51$26,203,306$18,480,876$16,627,631$22,951,224
52$28,810,984$19,321,379$17,119,597$24,593,770
53$31,682,595$20,201,018$17,625,995$26,375,873
54$34,844,997$21,121,646$18,147,243$28,310,585
55$38,327,784$22,085,203$18,683,772$30,412,242
56$42,163,566$23,093,726$19,236,026$32,696,585
57$46,388,277$24,149,346$19,804,461$35,180,907
58$51,041,516$25,254,298$20,389,545$37,884,201
59$56,166,916$26,410,925$20,991,761$40,827,340
60$61,812,561$27,621,680$21,611,604$44,033,257
61$68,031,436$28,889,135$22,249,586$47,527,158
62$74,881,926$30,215,987$22,906,231$51,336,750
63$82,428,372$31,605,060$23,582,079$55,492,490
64$90,741,673$33,059,314$24,277,686$60,027,865
65$99,899,957$34,581,854$24,993,622$64,979,696
66$109,989,319$36,175,932$25,730,475$70,388,474
67$121,104,632$37,844,955$26,488,848$76,298,733
68$133,350,444$39,592,497$27,269,364$82,759,454
69$146,841,963$41,422,303$28,072,661$89,824,518
70$161,706,144$43,338,297$28,899,397$97,553,201
71$178,082,891$45,344,593$29,750,246$106,010,717
72$196,126,371$47,445,504$30,625,905$115,268,820
73$216,006,476$49,645,548$31,527,087$125,406,468
74$237,910,420$51,949,464$32,454,528$136,510,549
75$262,044,512$54,362,217$33,408,984$148,676,686
76$288,636,100$56,889,012$34,391,233$162,010,124
77$317,935,715$59,535,307$35,402,072$176,626,701
78$350,219,441$62,306,820$36,442,324$192,653,923
79$385,791,517$65,209,548$37,512,835$210,232,151
80$424,987,210$68,249,774$38,614,474$229,515,901
81$468,175,980$71,434,087$39,748,133$250,675,283
82$515,764,967$74,769,395$40,914,733$273,897,580
83$568,202,834$78,262,936$42,115,217$299,388,996
84$625,984,004$81,922,300$43,350,557$327,376,576
85$689,653,324$85,755,445$44,621,753$358,110,320
86$759,811,212$89,770,710$45,929,830$391,865,517
87$837,119,322$93,976,841$47,275,845$428,945,318
88$922,306,791$98,383,004$48,660,884$469,683,559
89$1,016,177,122$102,998,810$50,086,063$514,447,891
90$1,119,615,771$107,834,335$51,552,529$563,643,206
91$1,233,598,503$112,900,140$53,061,462$617,715,435
92$1,359,200,604$118,207,301$54,614,074$677,155,713
93$1,497,607,033$123,767,426$56,211,613$742,504,981
94$1,650,123,610$129,592,689$57,855,361$814,359,050
95$1,818,189,337$135,695,850$59,546,635$893,374,188
96$2,003,389,993$142,090,290$61,286,791$980,273,265
97$2,207,473,093$148,790,035$63,077,219$1,075,852,536
98$2,432,364,395$155,809,794$64,919,353$1,180,989,107
99$2,680,186,075$163,164,985$66,814,663$1,296,649,165
100$2,953,276,763$170,871,777$68,764,662$1,423,897,047