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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.4%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,052,623
2 years$551,890$541,611$531,650$521,992$512,623$488,683
3 years$364,272$353,949$344,013$334,445$325,229$301,982
4 years$270,481$260,190$250,353$240,949$231,956$209,581
5 years$214,222$203,992$194,284$185,072$176,329$154,889
6 years$176,727$166,575$157,011$148,003$139,524$119,040
7 years$149,956$139,889$130,477$121,682$113,470$93,948
8 years$129,887$119,911$110,654$102,076$94,134$75,566
9 years$114,286$104,404$95,307$86,946$79,275$61,647
10 years$101,812$92,027$83,091$74,948$67,546$50,840
11 years$91,613$81,926$73,152$65,227$58,092$42,286
12 years$83,120$73,533$64,920$57,213$50,341$35,410
13 years$75,940$66,452$58,002$50,511$43,898$29,816
14 years$69,790$60,403$52,115$44,838$38,481$25,218
15 years$64,465$55,179$47,053$39,987$33,882$21,408
16 years$59,810$50,626$42,660$35,804$29,945$18,230
17 years$55,707$46,625$38,819$32,170$26,551$15,564
18 years$52,064$43,083$35,437$28,992$23,608$13,316
19 years$48,809$39,929$32,441$26,196$21,042$11,414
20 years$45,882$37,104$29,772$23,726$18,795$9,799
21 years$43,238$34,561$27,385$21,533$16,820$8,423
22 years$40,837$32,261$25,239$19,578$15,077$7,249
23 years$38,649$30,173$23,304$17,830$13,534$6,244
24 years$36,645$28,271$21,552$16,262$12,164$5,383
25 years$34,805$26,531$19,962$14,852$10,946$4,644
26 years$33,109$24,934$18,514$13,580$9,860$4,009
27 years$31,542$23,466$17,192$12,430$8,889$3,463
28 years$30,089$22,112$15,982$11,388$8,021$2,992
29 years$28,738$20,860$14,872$10,443$7,243$2,586
30 years$27,480$19,700$13,853$9,584$6,544$2,237
31 years$26,306$18,623$12,915$8,802$5,917$1,934
32 years$25,207$17,621$12,050$8,090$5,352$1,674
33 years$24,177$16,688$11,251$7,439$4,844$1,448
34 years$23,209$15,816$10,512$6,845$4,385$1,254
35 years$22,299$15,001$9,828$6,301$3,972$1,085
36 years$21,441$14,239$9,194$5,803$3,599$939
37 years$20,632$13,523$8,605$5,347$3,262$813
38 years$19,867$12,852$8,059$4,928$2,957$704
39 years$19,143$12,221$7,550$4,544$2,682$610
40 years$18,457$11,627$7,077$4,191$2,432$528
41 years$17,806$11,068$6,636$3,867$2,207$458
42 years$17,187$10,541$6,224$3,569$2,002$396
43 years$16,600$10,043$5,841$3,294$1,817$343
44 years$16,040$9,573$5,483$3,042$1,649$298
45 years$15,507$9,129$5,148$2,809$1,497$258
46 years$14,998$8,709$4,835$2,595$1,360$223
47 years$14,513$8,311$4,543$2,397$1,235$193
48 years$14,049$7,934$4,269$2,215$1,121$168
49 years$13,605$7,576$4,012$2,047$1,018$145
50 years$13,181$7,237$3,772$1,892$925$126

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 $2,797 every year, while hoping to spend $20,664 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: 65/17/18 Blend
44$13,500,000$13,500,000$13,500,000$13,500,000
45$14,879,885$14,164,385$13,955,135$15,780,238
46$16,375,647$14,836,454$14,400,646$17,056,386
47$18,023,284$15,540,761$14,860,389$18,447,770
48$19,838,266$16,278,865$15,334,818$19,967,783
49$21,837,639$17,052,399$15,824,404$21,629,015
50$24,040,188$17,863,076$16,329,632$23,445,318
51$26,466,612$18,712,693$16,851,000$25,431,931
52$29,139,724$19,603,132$17,389,026$27,605,627
53$32,084,658$20,536,368$17,944,241$29,984,862
54$35,329,116$21,514,472$18,517,195$32,589,948
55$38,903,620$22,539,616$19,108,456$35,443,243
56$42,841,809$23,614,076$19,718,608$38,569,357
57$47,180,748$24,740,241$20,348,256$41,995,377
58$51,961,284$25,920,613$20,998,023$45,751,126
59$57,228,431$27,157,819$21,668,552$49,869,434
60$63,031,790$28,454,611$22,360,508$54,386,445
61$69,426,023$29,813,877$23,074,575$59,341,956
62$76,471,365$31,238,644$23,811,461$64,779,785
63$84,234,194$32,732,087$24,571,894$70,748,180
64$92,787,658$34,297,536$25,356,629$77,300,272
65$102,212,365$35,938,481$26,166,442$84,494,566
66$112,597,143$37,658,584$27,002,135$92,395,494
67$124,039,882$39,461,685$27,864,537$101,074,011
68$136,648,451$41,351,808$28,754,500$110,608,262
69$150,541,724$43,333,178$29,672,907$121,084,313
70$165,850,698$45,410,222$30,620,667$132,596,955
71$182,719,729$47,587,582$31,598,719$145,250,596
72$201,307,897$49,870,130$32,608,032$159,160,231
73$221,790,507$52,262,971$33,649,606$174,452,529
74$244,360,744$54,771,462$34,724,473$191,267,016
75$269,231,494$57,401,218$35,833,697$209,757,380
76$296,637,359$60,158,129$36,978,378$230,092,923
77$326,836,865$63,048,373$38,159,650$252,460,141
78$360,114,910$66,078,428$39,378,682$277,064,477
79$396,785,446$69,255,087$40,636,684$304,132,252
80$437,194,451$72,585,475$41,934,902$333,912,793
81$481,723,186$76,077,064$43,274,622$366,680,769
82$530,791,801$79,737,691$44,657,172$402,738,779
83$584,863,299$83,575,572$46,083,922$442,420,192
84$644,447,909$87,599,328$47,556,286$486,092,284
85$710,107,898$91,817,998$49,075,724$534,159,692
86$782,462,884$96,241,061$50,643,742$587,068,220
87$862,195,685$100,878,459$52,261,894$645,309,030
88$950,058,761$105,740,620$53,931,784$709,423,269
89$1,046,881,323$110,838,479$55,655,067$780,007,160
90$1,153,577,159$116,183,505$57,433,452$857,717,610
91$1,271,153,259$121,787,726$59,268,702$943,278,401
92$1,400,719,324$127,663,758$61,162,637$1,037,487,001
93$1,543,498,244$133,824,831$63,117,135$1,141,222,074
94$1,700,837,639$140,284,822$65,134,132$1,255,451,754
95$1,874,222,583$147,058,283$67,215,631$1,381,242,770
96$2,065,289,626$154,160,478$69,363,693$1,519,770,486
97$2,275,842,241$161,607,415$71,580,451$1,672,329,984
98$2,507,867,856$169,415,884$73,868,102$1,840,348,259
99$2,763,556,609$177,603,494$76,228,915$2,025,397,671
100$3,045,322,030$186,188,713$78,665,231$2,229,210,762