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%12.7%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,064,381
2 years$551,890$541,611$531,650$521,992$512,623$500,414
3 years$364,272$353,949$344,013$334,445$325,229$313,318
4 years$270,481$260,190$250,353$240,949$231,956$220,434
5 years$214,222$203,992$194,284$185,072$176,329$165,231
6 years$176,727$166,575$157,011$148,003$139,524$128,861
7 years$149,956$139,889$130,477$121,682$113,470$103,249
8 years$129,887$119,911$110,654$102,076$94,134$84,353
9 years$114,286$104,404$95,307$86,946$79,275$69,930
10 years$101,812$92,027$83,091$74,948$67,546$58,632
11 years$91,613$81,926$73,152$65,227$58,092$49,600
12 years$83,120$73,533$64,920$57,213$50,341$42,263
13 years$75,940$66,452$58,002$50,511$43,898$36,224
14 years$69,790$60,403$52,115$44,838$38,481$31,200
15 years$64,465$55,179$47,053$39,987$33,882$26,982
16 years$59,810$50,626$42,660$35,804$29,945$23,415
17 years$55,707$46,625$38,819$32,170$26,551$20,379
18 years$52,064$43,083$35,437$28,992$23,608$17,780
19 years$48,809$39,929$32,441$26,196$21,042$15,546
20 years$45,882$37,104$29,772$23,726$18,795$13,618
21 years$43,238$34,561$27,385$21,533$16,820$11,948
22 years$40,837$32,261$25,239$19,578$15,077$10,497
23 years$38,649$30,173$23,304$17,830$13,534$9,233
24 years$36,645$28,271$21,552$16,262$12,164$8,130
25 years$34,805$26,531$19,962$14,852$10,946$7,165
26 years$33,109$24,934$18,514$13,580$9,860$6,320
27 years$31,542$23,466$17,192$12,430$8,889$5,579
28 years$30,089$22,112$15,982$11,388$8,021$4,927
29 years$28,738$20,860$14,872$10,443$7,243$4,354
30 years$27,480$19,700$13,853$9,584$6,544$3,849
31 years$26,306$18,623$12,915$8,802$5,917$3,405
32 years$25,207$17,621$12,050$8,090$5,352$3,012
33 years$24,177$16,688$11,251$7,439$4,844$2,666
34 years$23,209$15,816$10,512$6,845$4,385$2,361
35 years$22,299$15,001$9,828$6,301$3,972$2,090
36 years$21,441$14,239$9,194$5,803$3,599$1,852
37 years$20,632$13,523$8,605$5,347$3,262$1,640
38 years$19,867$12,852$8,059$4,928$2,957$1,454
39 years$19,143$12,221$7,550$4,544$2,682$1,288
40 years$18,457$11,627$7,077$4,191$2,432$1,142
41 years$17,806$11,068$6,636$3,867$2,207$1,012
42 years$17,187$10,541$6,224$3,569$2,002$897
43 years$16,600$10,043$5,841$3,294$1,817$796
44 years$16,040$9,573$5,483$3,042$1,649$706
45 years$15,507$9,129$5,148$2,809$1,497$626
46 years$14,998$8,709$4,835$2,595$1,360$555
47 years$14,513$8,311$4,543$2,397$1,235$492
48 years$14,049$7,934$4,269$2,215$1,121$436
49 years$13,605$7,576$4,012$2,047$1,018$387
50 years$13,181$7,237$3,772$1,892$925$343

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 $6,539 every year, while hoping to spend $52,252 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: 60/10/30 Blend
44$13,500,000$13,500,000$13,500,000$13,500,000
45$14,883,745$14,168,245$13,958,995$15,654,854
46$16,346,291$14,806,893$14,371,026$16,821,381
47$17,956,266$15,475,084$14,795,108$18,087,610
48$19,728,652$16,174,210$15,231,591$19,468,318
49$21,679,957$16,905,729$15,680,832$20,974,687
50$23,828,374$17,671,171$16,143,201$22,619,019
51$26,193,947$18,472,137$16,619,077$24,414,854
52$28,798,763$19,310,306$17,108,850$26,377,092
53$31,667,161$20,187,435$17,612,921$28,522,135
54$34,825,960$21,105,367$18,131,702$30,868,038
55$38,304,712$22,066,034$18,665,618$33,434,674
56$42,135,981$23,071,459$19,215,104$36,243,923
57$46,355,652$24,123,761$19,780,611$39,319,873
58$51,003,266$25,225,163$20,362,599$42,689,045
59$56,122,396$26,377,992$20,961,543$46,380,642
60$61,761,056$27,584,689$21,577,930$50,426,817
61$67,972,155$28,847,811$22,212,263$54,862,978
62$74,813,999$30,170,037$22,865,057$59,728,118
63$82,350,834$31,554,176$23,536,844$65,065,176
64$90,653,459$33,003,171$24,228,168$70,921,442
65$99,799,891$34,520,106$24,939,591$77,348,999
66$109,876,102$36,108,214$25,671,690$84,405,210
67$120,976,831$37,770,882$26,425,057$92,153,255
68$133,206,475$39,511,662$27,200,304$100,662,725
69$146,680,078$41,334,276$27,998,057$110,010,270
70$161,524,414$43,242,624$28,818,960$120,280,324
71$177,879,186$45,240,795$29,663,677$131,565,893
72$195,898,343$47,333,073$30,532,890$143,969,428
73$215,751,531$49,523,951$31,427,298$157,603,789
74$237,625,698$51,818,135$32,347,624$172,593,303
75$261,726,856$54,220,561$33,294,607$189,074,934
76$288,282,028$56,736,402$34,269,009$207,199,567
77$317,541,388$59,371,077$35,271,613$227,133,428
78$349,780,621$62,130,272$36,303,224$249,059,648
79$385,303,532$65,019,943$37,364,669$273,179,984
80$424,444,906$68,046,334$38,456,799$299,716,715
81$467,573,673$71,215,991$39,580,489$328,914,736
82$515,096,389$74,535,776$40,736,637$361,043,860
83$567,461,074$78,012,882$41,926,167$396,401,359
84$625,161,439$81,654,849$43,150,029$435,314,761
85$688,741,551$85,469,581$44,409,200$478,144,936
86$758,800,963$89,465,366$45,704,683$525,289,489
87$836,000,381$93,650,888$47,037,509$577,186,509
88$921,067,894$98,035,255$48,408,740$634,318,694
89$1,014,805,850$102,628,014$49,819,464$697,217,897
90$1,118,098,432$107,439,172$51,270,801$766,470,136
91$1,231,920,003$112,479,222$52,763,904$842,721,118
92$1,357,344,304$117,759,164$54,299,955$926,682,323
93$1,495,554,589$123,290,530$55,880,170$1,019,137,705
94$1,647,854,800$129,085,409$57,505,798$1,120,951,086
95$1,815,681,873$135,156,477$59,178,126$1,233,074,298
96$2,000,619,302$141,517,023$60,898,471$1,356,556,150
97$2,204,412,092$148,180,978$62,668,191$1,492,552,322
98$2,428,983,230$155,162,951$64,488,680$1,642,336,259
99$2,676,451,839$162,478,255$66,361,370$1,807,311,175
100$2,949,153,184$170,142,946$68,287,734$1,989,023,289