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%12.7%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,072,266
2 years$555,978$545,623$535,588$525,858$516,421$504,121
3 years$366,970$356,571$346,561$336,922$327,638$315,639
4 years$272,485$262,117$252,208$242,734$233,674$222,067
5 years$215,808$205,503$195,723$186,443$177,636$166,455
6 years$178,036$167,809$158,174$149,100$140,557$129,816
7 years$151,067$140,926$131,443$122,583$114,310$104,014
8 years$130,849$120,799$111,474$102,832$94,832$84,978
9 years$115,133$105,177$96,013$87,590$79,862$70,448
10 years$102,567$92,709$83,706$75,503$68,046$59,066
11 years$92,292$82,533$73,693$65,711$58,522$49,968
12 years$83,736$74,077$65,401$57,637$50,714$42,576
13 years$76,502$66,944$58,431$50,885$44,224$36,493
14 years$70,307$60,850$52,501$45,170$38,766$31,431
15 years$64,942$55,588$47,401$40,284$34,133$27,182
16 years$60,253$51,001$42,976$36,070$30,167$23,589
17 years$56,120$46,970$39,107$32,408$26,748$20,530
18 years$52,450$43,402$35,699$29,206$23,783$17,912
19 years$49,170$40,225$32,681$26,390$21,198$15,661
20 years$46,222$37,379$29,993$23,902$18,935$13,719
21 years$43,558$34,817$27,588$21,692$16,944$12,036
22 years$41,140$32,500$25,426$19,723$15,188$10,574
23 years$38,935$30,397$23,477$17,962$13,634$9,301
24 years$36,917$28,480$21,712$16,383$12,254$8,190
25 years$35,063$26,727$20,110$14,962$11,027$7,218
26 years$33,354$25,119$18,651$13,680$9,933$6,367
27 years$31,775$23,640$17,319$12,522$8,955$5,620
28 years$30,311$22,276$16,100$11,473$8,080$4,963
29 years$28,951$21,015$14,983$10,521$7,296$4,386
30 years$27,684$19,846$13,956$9,655$6,593$3,878
31 years$26,500$18,761$13,010$8,868$5,961$3,430
32 years$25,393$17,752$12,139$8,150$5,392$3,035
33 years$24,356$16,811$11,334$7,494$4,880$2,686
34 years$23,381$15,933$10,590$6,895$4,418$2,378
35 years$22,464$15,113$9,901$6,348$4,001$2,106
36 years$21,600$14,344$9,262$5,846$3,625$1,865
37 years$20,785$13,624$8,669$5,386$3,286$1,653
38 years$20,014$12,947$8,118$4,965$2,979$1,464
39 years$19,284$12,311$7,606$4,578$2,701$1,298
40 years$18,593$11,713$7,129$4,222$2,450$1,150
41 years$17,938$11,150$6,685$3,896$2,223$1,020
42 years$17,315$10,619$6,271$3,595$2,017$904
43 years$16,723$10,118$5,884$3,319$1,831$802
44 years$16,159$9,644$5,523$3,064$1,662$711
45 years$15,622$9,197$5,186$2,830$1,509$630
46 years$15,109$8,773$4,871$2,614$1,370$559
47 years$14,620$8,372$4,576$2,415$1,244$496
48 years$14,153$7,993$4,300$2,232$1,129$440
49 years$13,706$7,632$4,042$2,062$1,026$390
50 years$13,278$7,291$3,800$1,906$932$346

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 $5,929 every year, while hoping to spend $47,819 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: 44/28/28 Blend
44$13,600,000$13,600,000$13,600,000$13,600,000
45$14,993,316$14,272,516$14,061,716$15,530,846
46$16,471,755$14,920,990$14,481,904$16,563,650
47$18,099,392$15,599,637$14,914,566$17,677,503
48$19,891,395$16,309,884$15,360,069$18,884,056
49$21,864,477$17,053,228$15,818,791$20,191,960
50$24,037,055$17,831,237$16,291,122$21,610,719
51$26,429,421$18,645,554$16,777,461$23,150,771
52$29,063,937$19,497,902$17,278,221$24,823,583
53$31,965,243$20,390,083$17,793,826$26,641,757
54$35,160,491$21,323,991$18,324,712$28,619,139
55$38,679,600$22,301,605$18,871,329$30,770,950
56$42,555,540$23,325,004$19,434,139$33,113,918
57$46,824,640$24,396,365$20,013,618$35,666,438
58$51,526,934$25,517,967$20,610,255$38,448,731
59$56,706,537$26,692,203$21,224,554$41,483,037
60$62,412,061$27,921,578$21,857,033$44,793,813
61$68,697,074$29,208,718$22,508,227$48,407,960
62$75,620,606$30,556,376$23,178,683$52,355,066
63$83,247,706$31,967,437$23,868,967$56,667,685
64$91,650,055$33,444,924$24,579,660$61,381,628
65$100,906,643$34,992,007$25,311,361$66,536,302
66$111,104,513$36,612,008$26,064,685$72,175,065
67$122,339,586$38,308,410$26,840,264$78,345,634
68$134,717,563$40,084,861$27,638,752$85,100,522
69$148,354,922$41,945,187$28,460,818$92,497,525
70$163,380,022$43,893,398$29,307,153$100,600,258
71$179,934,307$45,933,698$30,178,466$109,478,747
72$198,173,650$48,070,493$31,075,488$119,210,076
73$218,269,816$50,308,401$31,998,971$129,879,105
74$240,412,089$52,652,264$32,949,688$141,579,260
75$264,809,054$55,107,157$33,928,434$154,413,400
76$291,690,569$57,678,399$34,936,029$168,494,781
77$321,309,936$60,371,570$35,973,314$183,948,103
78$353,946,286$63,192,513$37,041,157$200,910,681
79$389,907,220$66,147,359$38,140,449$219,533,723
80$429,531,710$69,242,533$39,272,107$239,983,743
81$473,193,297$72,484,769$40,437,075$262,444,114
82$521,303,620$75,881,130$41,636,324$287,116,788
83$574,316,301$79,439,018$42,870,853$314,224,180
84$632,731,227$83,166,193$44,141,689$344,011,253
85$697,099,267$87,070,791$45,449,891$376,747,809
86$768,027,475$91,161,343$46,796,545$412,731,015
87$846,184,819$95,446,790$48,182,771$452,288,192
88$932,308,496$99,936,508$49,609,719$495,779,879
89$1,027,210,892$104,640,326$51,078,574$543,603,217
90$1,131,787,251$109,568,550$52,590,554$596,195,670
91$1,247,024,125$114,731,983$54,146,912$654,039,134
92$1,374,008,690$120,141,954$55,748,937$717,664,460
93$1,513,939,005$125,810,339$57,397,955$787,656,436
94$1,668,135,327$131,749,589$59,095,331$864,659,280
95$1,838,052,573$137,972,761$60,842,466$949,382,693
96$2,025,294,051$144,493,543$62,640,805$1,042,608,527
97$2,231,626,605$151,326,286$64,491,832$1,145,198,132
98$2,458,997,284$158,486,040$66,397,075$1,258,100,459
99$2,709,551,733$165,988,582$68,358,102$1,382,360,976
100$2,985,654,442$173,850,455$70,376,531$1,519,131,504