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%16.8%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,046,666
2 years$551,890$541,611$531,650$521,992$512,623$482,779
3 years$364,272$353,949$344,013$334,445$325,229$296,319
4 years$270,481$260,190$250,353$240,949$231,956$204,202
5 years$214,222$203,992$194,284$185,072$176,329$149,807
6 years$176,727$166,575$157,011$148,003$139,524$114,258
7 years$149,956$139,889$130,477$121,682$113,470$89,463
8 years$129,887$119,911$110,654$102,076$94,134$71,372
9 years$114,286$104,404$95,307$86,946$79,275$57,735
10 years$101,812$92,027$83,091$74,948$67,546$47,202
11 years$91,613$81,926$73,152$65,227$58,092$38,910
12 years$83,120$73,533$64,920$57,213$50,341$32,286
13 years$75,940$66,452$58,002$50,511$43,898$26,931
14 years$69,790$60,403$52,115$44,838$38,481$22,560
15 years$64,465$55,179$47,053$39,987$33,882$18,965
16 years$59,810$50,626$42,660$35,804$29,945$15,989
17 years$55,707$46,625$38,819$32,170$26,551$13,513
18 years$52,064$43,083$35,437$28,992$23,608$11,443
19 years$48,809$39,929$32,441$26,196$21,042$9,706
20 years$45,882$37,104$29,772$23,726$18,795$8,244
21 years$43,238$34,561$27,385$21,533$16,820$7,011
22 years$40,837$32,261$25,239$19,578$15,077$5,969
23 years$38,649$30,173$23,304$17,830$13,534$5,085
24 years$36,645$28,271$21,552$16,262$12,164$4,336
25 years$34,805$26,531$19,962$14,852$10,946$3,699
26 years$33,109$24,934$18,514$13,580$9,860$3,157
27 years$31,542$23,466$17,192$12,430$8,889$2,696
28 years$30,089$22,112$15,982$11,388$8,021$2,303
29 years$28,738$20,860$14,872$10,443$7,243$1,968
30 years$27,480$19,700$13,853$9,584$6,544$1,683
31 years$26,306$18,623$12,915$8,802$5,917$1,439
32 years$25,207$17,621$12,050$8,090$5,352$1,230
33 years$24,177$16,688$11,251$7,439$4,844$1,052
34 years$23,209$15,816$10,512$6,845$4,385$900
35 years$22,299$15,001$9,828$6,301$3,972$770
36 years$21,441$14,239$9,194$5,803$3,599$659
37 years$20,632$13,523$8,605$5,347$3,262$564
38 years$19,867$12,852$8,059$4,928$2,957$482
39 years$19,143$12,221$7,550$4,544$2,682$413
40 years$18,457$11,627$7,077$4,191$2,432$353
41 years$17,806$11,068$6,636$3,867$2,207$302
42 years$17,187$10,541$6,224$3,569$2,002$259
43 years$16,600$10,043$5,841$3,294$1,817$222
44 years$16,040$9,573$5,483$3,042$1,649$190
45 years$15,507$9,129$5,148$2,809$1,497$162
46 years$14,998$8,709$4,835$2,595$1,360$139
47 years$14,513$8,311$4,543$2,397$1,235$119
48 years$14,049$7,934$4,269$2,215$1,121$102
49 years$13,605$7,576$4,012$2,047$1,018$87
50 years$13,181$7,237$3,772$1,892$925$75

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 $6,993 every year, while hoping to spend $22,258 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: 43/42/15 Blend
44$13,500,000$13,500,000$13,500,000$13,500,000
45$14,884,213$14,168,713$13,959,463$15,459,050
46$16,378,721$14,839,298$14,403,423$16,533,654
47$18,024,922$15,541,995$14,861,509$17,694,384
48$19,838,266$16,278,355$15,334,172$18,951,409
49$21,835,778$17,050,003$15,821,875$20,313,584
50$24,036,217$17,858,643$16,325,098$21,790,623
51$26,460,256$18,706,061$16,844,334$23,393,187
52$29,130,676$19,594,133$17,380,093$25,132,976
53$32,072,581$20,524,821$17,932,902$27,022,831
54$35,313,632$21,500,185$18,503,302$29,076,852
55$38,884,316$22,522,387$19,091,856$31,310,525
56$42,818,222$23,593,690$19,699,139$33,740,853
57$47,152,370$24,716,470$20,325,749$36,386,518
58$51,927,551$25,893,217$20,972,302$39,268,041
59$57,188,719$27,126,542$21,639,431$42,407,973
60$62,985,409$28,419,184$22,327,793$45,831,096
61$69,372,211$29,774,013$23,038,064$49,564,646
62$76,409,278$31,194,041$23,770,941$53,638,563
63$84,162,900$32,682,426$24,527,143$58,085,763
64$92,706,128$34,242,477$25,307,415$62,942,434
65$102,119,462$35,877,667$26,112,522$68,248,370
66$112,491,611$37,591,637$26,943,255$74,047,335
67$123,920,332$39,388,203$27,800,431$80,387,460
68$136,513,352$41,271,371$28,684,891$87,321,688
69$150,389,384$43,245,338$29,597,505$94,908,255
70$165,679,249$45,314,508$30,539,169$103,211,232
71$182,527,109$47,483,496$31,510,809$112,301,110
72$201,091,832$49,757,144$32,513,378$122,255,449
73$221,548,485$52,140,531$33,547,863$133,159,599
74$244,089,994$54,638,980$34,615,280$145,107,480
75$268,928,959$57,258,076$35,716,677$158,202,461
76$296,299,664$60,003,673$36,853,137$172,558,306
77$326,460,290$62,881,913$38,025,777$188,300,235
78$359,695,348$65,899,236$39,235,750$205,566,083
79$396,318,370$69,062,395$40,484,244$224,507,580
80$436,674,864$72,378,472$41,772,486$245,291,760
81$481,145,579$75,854,896$43,101,744$268,102,513
82$530,150,099$79,499,457$44,473,322$293,142,298
83$584,150,801$83,320,322$45,888,570$320,634,024
84$643,657,224$87,326,059$47,348,879$350,823,133
85$709,230,878$91,525,654$48,855,684$383,979,883
86$781,490,545$95,928,528$50,410,467$420,401,871
87$861,118,118$100,544,563$52,014,755$460,416,810
88$948,865,043$105,384,124$53,670,126$504,385,590
89$1,045,559,411$110,458,079$55,378,208$552,705,652
90$1,152,113,772$115,777,827$57,140,680$605,814,700
91$1,269,533,759$121,355,322$58,959,275$664,194,798
92$1,398,927,572$127,203,103$60,835,780$728,376,881
93$1,541,516,448$133,334,318$62,772,042$798,945,721
94$1,698,646,184$139,762,758$64,769,964$876,545,410
95$1,871,799,847$146,502,886$66,831,510$961,885,391
96$2,062,611,775$153,569,870$68,958,709$1,055,747,109
97$2,272,883,002$160,979,619$71,153,651$1,158,991,335
98$2,504,598,265$168,748,818$73,418,496$1,272,566,244
99$2,759,944,744$176,894,966$75,755,472$1,397,516,305
100$3,041,332,703$185,436,415$78,166,875$1,534,992,091