Can I retire at age 45 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,046,005
2 years$555,978$545,623$535,588$525,858$516,421$478,064
3 years$366,970$356,571$346,561$336,922$327,638$290,610
4 years$272,485$262,117$252,208$242,734$233,674$198,256
5 years$215,808$205,503$195,723$186,443$177,636$143,921
6 years$178,036$167,809$158,174$149,100$140,557$108,571
7 years$151,067$140,926$131,443$122,583$114,310$84,047
8 years$130,849$120,799$111,474$102,832$94,832$66,265
9 years$115,133$105,177$96,013$87,590$79,862$52,954
10 years$102,567$92,709$83,706$75,503$68,046$42,753
11 years$92,292$82,533$73,693$65,711$58,522$34,790
12 years$83,736$74,077$65,401$57,637$50,714$28,487
13 years$76,502$66,944$58,431$50,885$44,224$23,442
14 years$70,307$60,850$52,501$45,170$38,766$19,367
15 years$64,942$55,588$47,401$40,284$34,133$16,052
16 years$60,253$51,001$42,976$36,070$30,167$13,339
17 years$56,120$46,970$39,107$32,408$26,748$11,109
18 years$52,450$43,402$35,699$29,206$23,783$9,268
19 years$49,170$40,225$32,681$26,390$21,198$7,744
20 years$46,222$37,379$29,993$23,902$18,935$6,478
21 years$43,558$34,817$27,588$21,692$16,944$5,425
22 years$41,140$32,500$25,426$19,723$15,188$4,546
23 years$38,935$30,397$23,477$17,962$13,634$3,813
24 years$36,917$28,480$21,712$16,383$12,254$3,200
25 years$35,063$26,727$20,110$14,962$11,027$2,686
26 years$33,354$25,119$18,651$13,680$9,933$2,256
27 years$31,775$23,640$17,319$12,522$8,955$1,896
28 years$30,311$22,276$16,100$11,473$8,080$1,593
29 years$28,951$21,015$14,983$10,521$7,296$1,340
30 years$27,684$19,846$13,956$9,655$6,593$1,126
31 years$26,500$18,761$13,010$8,868$5,961$947
32 years$25,393$17,752$12,139$8,150$5,392$797
33 years$24,356$16,811$11,334$7,494$4,880$670
34 years$23,381$15,933$10,590$6,895$4,418$564
35 years$22,464$15,113$9,901$6,348$4,001$474
36 years$21,600$14,344$9,262$5,846$3,625$399
37 years$20,785$13,624$8,669$5,386$3,286$336
38 years$20,014$12,947$8,118$4,965$2,979$283
39 years$19,284$12,311$7,606$4,578$2,701$238
40 years$18,593$11,713$7,129$4,222$2,450$200
41 years$17,938$11,150$6,685$3,896$2,223$168
42 years$17,315$10,619$6,271$3,595$2,017$142
43 years$16,723$10,118$5,884$3,319$1,831$119
44 years$16,159$9,644$5,523$3,064$1,662$100
45 years$15,622$9,197$5,186$2,830$1,509$85
46 years$15,109$8,773$4,871$2,614$1,370$71
47 years$14,620$8,372$4,576$2,415$1,244$60
48 years$14,153$7,993$4,300$2,232$1,129$50
49 years$13,706$7,632$4,042$2,062$1,026$42
50 years$13,278$7,291$3,800$1,906$932$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,600,000, adding $6,772 every year, while hoping to spend $47,771 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: 74/5/21 Blend
44$13,600,000$13,600,000$13,600,000$13,600,000
45$14,994,185$14,273,385$14,062,585$16,027,577
46$16,472,764$14,921,953$14,482,854$17,363,471
47$18,100,557$15,600,700$14,915,601$18,820,561
48$19,892,733$16,311,054$15,361,193$20,416,152
49$21,866,008$17,054,511$15,820,008$22,164,037
50$24,038,800$17,832,641$16,292,437$24,079,400
51$26,431,403$18,647,086$16,778,880$26,178,968
52$29,066,183$19,499,570$17,279,749$28,481,156
53$31,967,782$20,391,897$17,795,469$31,006,247
54$35,163,354$21,325,959$18,326,476$33,776,580
55$38,682,823$22,303,737$18,873,219$36,816,758
56$42,559,161$23,327,311$19,436,162$40,153,878
57$46,828,702$24,398,856$20,015,780$43,817,789
58$51,531,485$25,520,654$20,612,564$47,841,367
59$56,711,628$26,695,098$21,227,017$52,260,825
60$62,417,750$27,924,694$21,859,657$57,116,054
61$68,703,424$29,212,068$22,511,020$62,450,997
62$75,627,688$30,559,974$23,181,654$68,314,061
63$83,255,597$31,971,297$23,872,124$74,758,572
64$91,658,840$33,449,063$24,583,012$81,843,276
65$100,916,416$34,996,441$25,314,917$89,632,890
66$111,115,378$36,616,755$26,068,455$98,198,715
67$122,351,657$38,313,487$26,844,259$107,619,299
68$134,730,966$40,090,287$27,642,982$117,981,183
69$148,369,797$41,950,984$28,465,294$129,379,710
70$163,396,521$43,899,587$29,311,886$141,919,924
71$179,952,601$45,940,301$30,183,468$155,717,562
72$198,193,924$48,077,533$31,080,773$170,900,136
73$218,292,276$50,315,904$32,004,550$187,608,139
74$240,436,961$52,660,257$32,955,576$205,996,369
75$264,836,589$55,115,667$33,934,645$226,235,379
76$291,721,042$57,687,456$34,942,577$248,513,095
77$321,343,651$60,381,203$35,980,215$273,036,576
78$353,983,578$63,202,757$37,048,427$300,033,969
79$389,948,458$66,158,247$38,148,105$329,756,660
80$429,577,300$69,254,101$39,280,166$362,481,641
81$473,243,688$72,497,055$40,445,555$398,514,121
82$521,359,307$75,894,174$41,645,244$438,190,403
83$574,377,830$79,452,862$42,880,233$481,881,052
84$632,799,197$83,180,881$44,151,550$529,994,392
85$697,174,342$87,086,370$45,460,253$582,980,354
86$768,110,384$91,177,862$46,807,430$641,334,717
87$846,276,367$95,464,301$48,194,203$705,603,785
88$932,409,570$99,955,065$49,621,722$776,389,537
89$1,027,322,469$104,659,986$51,091,173$854,355,304
90$1,131,910,408$109,589,373$52,603,775$940,232,027
91$1,247,160,051$114,754,033$54,160,782$1,034,825,149
92$1,374,158,692$120,165,297$55,763,485$1,139,022,214
93$1,514,104,527$125,835,045$57,413,210$1,253,801,236
94$1,668,317,959$131,775,732$59,111,322$1,380,239,929
95$1,838,254,066$138,000,418$60,859,227$1,519,525,870
96$2,025,516,338$144,522,796$62,658,368$1,672,967,704
97$2,231,871,813$151,357,222$64,510,232$1,842,007,493
98$2,459,267,760$158,518,747$66,416,347$2,028,234,317
99$2,709,850,061$166,023,156$68,378,285$2,233,399,270
100$2,985,983,473$173,886,996$70,397,662$2,459,431,983