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%18.2%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,048,509
2 years$555,978$545,623$535,588$525,858$516,421$480,527
3 years$366,970$356,571$346,561$336,922$327,638$292,951
4 years$272,485$262,117$252,208$242,734$233,674$200,460
5 years$215,808$205,503$195,723$186,443$177,636$145,982
6 years$178,036$167,809$158,174$149,100$140,557$110,489
7 years$151,067$140,926$131,443$122,583$114,310$85,825
8 years$130,849$120,799$111,474$102,832$94,832$67,907
9 years$115,133$105,177$96,013$87,590$79,862$54,467
10 years$102,567$92,709$83,706$75,503$68,046$44,140
11 years$92,292$82,533$73,693$65,711$58,522$36,060
12 years$83,736$74,077$65,401$57,637$50,714$29,645
13 years$76,502$66,944$58,431$50,885$44,224$24,494
14 years$70,307$60,850$52,501$45,170$38,766$20,321
15 years$64,942$55,588$47,401$40,284$34,133$16,915
16 years$60,253$51,001$42,976$36,070$30,167$14,118
17 years$56,120$46,970$39,107$32,408$26,748$11,809
18 years$52,450$43,402$35,699$29,206$23,783$9,897
19 years$49,170$40,225$32,681$26,390$21,198$8,306
20 years$46,222$37,379$29,993$23,902$18,935$6,981
21 years$43,558$34,817$27,588$21,692$16,944$5,873
22 years$41,140$32,500$25,426$19,723$15,188$4,945
23 years$38,935$30,397$23,477$17,962$13,634$4,167
24 years$36,917$28,480$21,712$16,383$12,254$3,514
25 years$35,063$26,727$20,110$14,962$11,027$2,964
26 years$33,354$25,119$18,651$13,680$9,933$2,502
27 years$31,775$23,640$17,319$12,522$8,955$2,112
28 years$30,311$22,276$16,100$11,473$8,080$1,784
29 years$28,951$21,015$14,983$10,521$7,296$1,507
30 years$27,684$19,846$13,956$9,655$6,593$1,274
31 years$26,500$18,761$13,010$8,868$5,961$1,076
32 years$25,393$17,752$12,139$8,150$5,392$910
33 years$24,356$16,811$11,334$7,494$4,880$769
34 years$23,381$15,933$10,590$6,895$4,418$650
35 years$22,464$15,113$9,901$6,348$4,001$550
36 years$21,600$14,344$9,262$5,846$3,625$465
37 years$20,785$13,624$8,669$5,386$3,286$393
38 years$20,014$12,947$8,118$4,965$2,979$333
39 years$19,284$12,311$7,606$4,578$2,701$281
40 years$18,593$11,713$7,129$4,222$2,450$238
41 years$17,938$11,150$6,685$3,896$2,223$201
42 years$17,315$10,619$6,271$3,595$2,017$170
43 years$16,723$10,118$5,884$3,319$1,831$144
44 years$16,159$9,644$5,523$3,064$1,662$122
45 years$15,622$9,197$5,186$2,830$1,509$103
46 years$15,109$8,773$4,871$2,614$1,370$87
47 years$14,620$8,372$4,576$2,415$1,244$74
48 years$14,153$7,993$4,300$2,232$1,129$62
49 years$13,706$7,632$4,042$2,062$1,026$53
50 years$13,278$7,291$3,800$1,906$932$45

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 $5,897 every year, while hoping to spend $59,668 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: 62/30/8 Blend
44$13,600,000$13,600,000$13,600,000$13,600,000
45$14,993,283$14,272,483$14,061,683$15,897,690
46$16,459,111$14,908,348$14,469,263$17,138,617
47$18,072,455$15,573,371$14,888,497$18,485,024
48$19,848,296$16,268,917$15,319,713$19,953,058
49$21,803,145$16,996,418$15,763,246$21,554,476
50$23,955,195$17,757,371$16,219,444$23,302,210
51$26,324,489$18,553,346$16,688,660$25,210,477
52$28,933,116$19,385,989$17,171,259$27,294,918
53$31,805,415$20,257,023$17,667,616$29,572,735
54$34,968,203$21,168,253$18,178,117$32,062,850
55$38,451,032$22,121,570$18,703,157$34,786,085
56$42,286,466$23,118,956$19,243,142$37,765,343
57$46,510,388$24,162,487$19,798,489$41,025,830
58$51,162,337$25,254,338$20,369,628$44,595,282
59$56,285,883$26,396,788$20,956,998$48,504,220
60$61,929,038$27,592,226$21,561,052$52,786,238
61$68,144,707$28,843,153$22,182,255$57,478,309
62$74,991,190$30,152,190$22,821,084$62,621,129
63$82,532,730$31,522,086$23,478,028$68,259,498
64$90,840,119$32,955,719$24,153,593$74,442,731
65$99,991,366$34,456,104$24,848,293$81,225,121
66$110,072,436$36,026,404$25,562,662$88,666,439
67$121,178,057$37,669,929$26,297,243$96,832,495
68$133,412,614$39,390,152$27,052,596$105,795,750
69$146,891,141$41,190,709$27,829,298$115,635,991
70$161,740,395$43,075,412$28,627,938$126,441,072
71$178,100,065$45,048,256$29,449,123$138,307,741
72$196,124,078$47,113,427$30,293,475$151,342,538
73$215,982,061$49,275,312$31,161,633$165,662,793
74$237,860,938$51,538,510$32,054,255$181,397,719
75$261,966,695$53,907,838$32,972,014$198,689,629
76$288,526,324$56,388,348$33,915,602$217,695,258
77$317,789,964$58,985,332$34,885,730$238,587,237
78$350,033,264$61,704,337$35,883,126$261,555,708
79$385,559,987$64,551,179$36,908,540$286,810,103
80$424,704,869$67,531,951$37,962,740$314,581,111
81$467,836,790$70,653,040$39,046,516$345,122,841
82$515,362,245$73,921,142$40,160,677$378,715,200
83$567,729,188$77,343,272$41,306,054$415,666,527
84$625,431,260$80,926,787$42,483,501$456,316,482
85$689,012,444$84,679,396$43,693,894$501,039,236
86$759,072,206$88,609,179$44,938,132$550,246,984
87$836,271,149$92,724,607$46,217,138$604,393,821
88$921,337,252$97,034,558$47,531,858$663,980,003
89$1,015,072,741$101,548,340$48,883,264$729,556,653
90$1,118,361,661$106,275,709$50,272,353$801,730,939
91$1,232,178,223$111,226,891$51,700,150$881,171,785
92$1,357,595,999$116,412,607$53,167,703$968,616,160
93$1,495,798,061$121,844,094$54,676,090$1,064,876,010
94$1,648,088,141$127,533,133$56,226,418$1,170,845,899
95$1,815,902,948$133,492,073$57,819,819$1,287,511,423
96$2,000,825,725$139,733,861$59,457,459$1,415,958,489
97$2,204,601,196$146,272,067$61,140,531$1,557,383,532
98$2,429,152,040$153,120,920$62,870,261$1,713,104,782
99$2,676,597,037$160,295,335$64,647,904$1,884,574,675
100$2,949,271,077$167,810,948$66,474,750$2,073,393,527