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

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,060,853
2 years$555,978$545,623$535,588$525,858$516,421$492,732
3 years$366,970$356,571$346,561$336,922$327,638$304,632
4 years$272,485$262,117$252,208$242,734$233,674$211,527
5 years$215,808$205,503$195,723$186,443$177,636$156,409
6 years$178,036$167,809$158,174$149,100$140,557$120,274
7 years$151,067$140,926$131,443$122,583$114,310$94,975
8 years$130,849$120,799$111,474$102,832$94,832$76,437
9 years$115,133$105,177$96,013$87,590$79,862$62,395
10 years$102,567$92,709$83,706$75,503$68,046$51,489
11 years$92,292$82,533$73,693$65,711$58,522$42,853
12 years$83,736$74,077$65,401$57,637$50,714$35,908
13 years$76,502$66,944$58,431$50,885$44,224$30,255
14 years$70,307$60,850$52,501$45,170$38,766$25,607
15 years$64,942$55,588$47,401$40,284$34,133$21,754
16 years$60,253$51,001$42,976$36,070$30,167$18,537
17 years$56,120$46,970$39,107$32,408$26,748$15,837
18 years$52,450$43,402$35,699$29,206$23,783$13,560
19 years$49,170$40,225$32,681$26,390$21,198$11,632
20 years$46,222$37,379$29,993$23,902$18,935$9,993
21 years$43,558$34,817$27,588$21,692$16,944$8,597
22 years$41,140$32,500$25,426$19,723$15,188$7,404
23 years$38,935$30,397$23,477$17,962$13,634$6,383
24 years$36,917$28,480$21,712$16,383$12,254$5,507
25 years$35,063$26,727$20,110$14,962$11,027$4,755
26 years$33,354$25,119$18,651$13,680$9,933$4,108
27 years$31,775$23,640$17,319$12,522$8,955$3,551
28 years$30,311$22,276$16,100$11,473$8,080$3,071
29 years$28,951$21,015$14,983$10,521$7,296$2,657
30 years$27,684$19,846$13,956$9,655$6,593$2,299
31 years$26,500$18,761$13,010$8,868$5,961$1,990
32 years$25,393$17,752$12,139$8,150$5,392$1,723
33 years$24,356$16,811$11,334$7,494$4,880$1,493
34 years$23,381$15,933$10,590$6,895$4,418$1,293
35 years$22,464$15,113$9,901$6,348$4,001$1,120
36 years$21,600$14,344$9,262$5,846$3,625$971
37 years$20,785$13,624$8,669$5,386$3,286$841
38 years$20,014$12,947$8,118$4,965$2,979$729
39 years$19,284$12,311$7,606$4,578$2,701$632
40 years$18,593$11,713$7,129$4,222$2,450$548
41 years$17,938$11,150$6,685$3,896$2,223$475
42 years$17,315$10,619$6,271$3,595$2,017$412
43 years$16,723$10,118$5,884$3,319$1,831$357
44 years$16,159$9,644$5,523$3,064$1,662$310
45 years$15,622$9,197$5,186$2,830$1,509$268
46 years$15,109$8,773$4,871$2,614$1,370$233
47 years$14,620$8,372$4,576$2,415$1,244$202
48 years$14,153$7,993$4,300$2,232$1,129$175
49 years$13,706$7,632$4,042$2,062$1,026$152
50 years$13,278$7,291$3,800$1,906$932$132

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 $6,702 every year, while hoping to spend $49,733 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: 37/50/13 Blend
44$13,600,000$13,600,000$13,600,000$13,600,000
45$14,994,113$14,273,313$14,062,513$15,488,961
46$16,470,597$14,919,790$14,480,692$16,490,228
47$18,096,016$15,596,277$14,911,213$17,565,748
48$19,885,508$16,304,193$15,354,436$18,726,361
49$21,855,754$17,045,023$15,810,735$19,979,699
50$24,025,136$17,820,325$16,280,490$21,334,124
51$26,413,909$18,631,729$16,764,095$22,798,804
52$29,044,389$19,480,946$17,261,954$24,383,790
53$31,941,171$20,369,767$17,774,484$26,100,105
54$35,131,354$21,300,068$18,302,112$27,959,841
55$38,644,799$22,273,819$18,845,280$29,976,265
56$42,514,412$23,293,079$19,404,440$32,163,935
57$46,776,453$24,360,011$19,980,060$34,538,834
58$51,470,877$25,476,877$20,572,618$37,118,505
59$56,641,714$26,646,052$21,182,608$39,922,210
60$62,337,482$27,870,022$21,810,538$42,971,106
61$68,611,646$29,151,393$22,456,931$46,288,430
62$75,523,119$30,492,897$23,122,324$49,899,709
63$83,136,825$31,897,397$23,807,270$53,832,990
64$91,524,305$33,367,893$24,512,338$58,119,094
65$100,764,395$34,907,531$25,238,112$62,791,894
66$110,943,970$36,519,606$25,985,195$67,888,621
67$122,158,762$38,207,574$26,754,206$73,450,206
68$134,514,265$39,975,054$27,545,781$79,521,648
69$148,126,732$41,825,844$28,360,577$86,152,426
70$163,124,269$43,763,921$29,199,267$93,396,952
71$179,648,046$45,793,455$30,062,544$101,315,066
72$197,853,629$47,918,816$30,951,121$109,972,589
73$217,912,449$50,144,587$31,865,733$119,441,920
74$240,013,417$52,475,570$32,807,133$129,802,707
75$264,364,711$54,916,799$33,776,098$141,142,578
76$291,195,740$57,473,551$34,773,426$153,557,947
77$320,759,308$60,151,357$35,799,938$167,154,904
78$353,334,000$62,956,016$36,856,478$182,050,194
79$389,226,813$65,893,606$37,943,916$198,372,299
80$428,776,056$68,970,500$39,063,145$216,262,620
81$472,354,536$72,193,378$40,215,083$235,876,796
82$520,373,086$75,569,240$41,400,675$257,386,139
83$573,284,437$79,105,430$42,620,894$280,979,226
84$631,587,495$82,809,641$43,876,740$306,863,653
85$695,832,048$86,689,942$45,169,239$335,267,959
86$766,623,959$90,754,791$46,499,450$366,443,759
87$844,630,881$95,013,054$47,868,460$400,668,077
88$930,588,565$99,474,027$49,277,387$438,245,936
89$1,025,307,800$104,147,456$50,727,381$479,513,193
90$1,129,682,072$109,043,558$52,219,625$524,839,675
91$1,244,695,995$114,173,045$53,755,335$574,632,633
92$1,371,434,609$119,547,146$55,335,761$629,340,538
93$1,511,093,620$125,177,637$56,962,189$689,457,276
94$1,664,990,688$131,076,861$58,635,942$755,526,764
95$1,834,577,872$137,257,760$60,358,380$828,148,034
96$2,021,455,330$143,733,905$62,130,900$907,980,841
97$2,227,386,430$150,519,523$63,954,941$995,751,837
98$2,454,314,395$157,629,529$65,831,982$1,092,261,373
99$2,704,380,652$165,079,564$67,763,541$1,198,391,003
100$2,979,945,041$172,886,026$69,751,183$1,315,111,741