Can I retire at age 45 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,061,743
2 years$560,066$549,635$539,526$529,725$520,218$489,508
3 years$369,668$359,193$349,109$339,400$330,048$300,304
4 years$274,488$264,045$254,062$244,518$235,393$206,844
5 years$217,395$207,014$197,163$187,814$178,942$151,666
6 years$179,346$169,043$159,337$150,196$141,591$115,612
7 years$152,178$141,962$132,410$123,484$115,151$90,471
8 years$131,811$121,687$112,294$103,588$95,529$72,134
9 years$115,979$105,951$96,719$88,234$80,449$58,317
10 years$103,321$93,390$84,321$76,059$68,547$47,647
11 years$92,971$83,140$74,235$66,194$58,952$39,252
12 years$84,352$74,622$65,882$58,061$51,087$32,548
13 years$77,065$67,437$58,861$51,259$44,549$27,131
14 years$70,824$61,298$52,887$45,502$39,051$22,712
15 years$65,420$55,997$47,750$40,580$34,384$19,080
16 years$60,696$51,376$43,292$36,335$30,388$16,074
17 years$56,533$47,315$39,394$32,647$26,945$13,575
18 years$52,836$43,721$35,962$29,421$23,958$11,487
19 years$49,532$40,521$32,921$26,584$21,354$9,736
20 years$46,562$37,654$30,214$24,077$19,074$8,264
21 years$43,878$35,073$27,791$21,852$17,069$7,022
22 years$41,442$32,739$25,613$19,868$15,300$5,973
23 years$39,221$30,620$23,649$18,094$13,734$5,085
24 years$37,188$28,689$21,872$16,503$12,345$4,332
25 years$35,321$26,924$20,258$15,072$11,108$3,693
26 years$33,600$25,304$18,788$13,781$10,006$3,150
27 years$32,009$23,814$17,446$12,614$9,021$2,688
28 years$30,534$22,440$16,219$11,557$8,140$2,294
29 years$29,164$21,169$15,093$10,598$7,350$1,959
30 years$27,887$19,992$14,058$9,726$6,641$1,673
31 years$26,695$18,899$13,106$8,933$6,004$1,429
32 years$25,580$17,882$12,228$8,210$5,431$1,221
33 years$24,535$16,935$11,418$7,549$4,915$1,044
34 years$23,553$16,051$10,668$6,946$4,450$892
35 years$22,629$15,224$9,974$6,394$4,031$763
36 years$21,759$14,449$9,330$5,889$3,652$652
37 years$20,937$13,724$8,733$5,426$3,310$557
38 years$20,161$13,042$8,178$5,001$3,001$477
39 years$19,426$12,402$7,662$4,611$2,721$407
40 years$18,730$11,800$7,182$4,253$2,468$348
41 years$18,070$11,232$6,734$3,924$2,239$298
42 years$17,442$10,697$6,317$3,622$2,032$255
43 years$16,845$10,192$5,927$3,343$1,844$218
44 years$16,278$9,715$5,564$3,087$1,674$186
45 years$15,736$9,264$5,224$2,851$1,520$159
46 years$15,220$8,838$4,907$2,633$1,380$136
47 years$14,728$8,434$4,610$2,433$1,253$117
48 years$14,257$8,051$4,332$2,248$1,138$100
49 years$13,807$7,689$4,072$2,078$1,033$85
50 years$13,376$7,344$3,828$1,920$939$73

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,700,000, adding $5,135 every year, while hoping to spend $56,668 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: 63/15/22 Blend
44$13,700,000$13,700,000$13,700,000$13,700,000
45$15,102,697$14,376,597$14,164,247$15,967,462
46$16,582,878$15,020,756$14,578,455$17,195,810
47$18,212,137$15,694,579$15,004,639$18,530,017
48$20,005,623$16,399,461$15,443,142$19,985,933
49$21,980,023$17,136,861$15,894,314$21,575,452
50$24,153,727$17,908,309$16,358,515$23,311,666
51$26,546,999$18,715,408$16,836,118$25,208,978
52$29,182,167$19,559,837$17,327,502$27,283,242
53$32,083,835$20,443,356$17,833,059$29,551,904
54$35,279,112$21,367,807$18,353,193$32,034,170
55$38,797,874$22,335,122$18,888,318$34,751,176
56$42,673,039$23,347,324$19,438,858$37,726,192
57$46,940,881$24,406,535$20,005,252$40,984,836
58$51,641,371$25,514,975$20,587,948$44,555,311
59$56,818,556$26,674,974$21,187,409$48,468,666
60$62,520,971$27,888,970$21,804,109$52,759,090
61$68,802,100$29,159,520$22,438,537$57,464,229
62$75,720,880$30,489,302$23,091,194$62,625,537
63$83,342,257$31,881,125$23,762,596$68,288,659
64$91,737,795$33,337,929$24,453,272$74,503,867
65$100,986,360$34,862,796$25,163,766$81,326,521
66$111,174,854$36,458,959$25,894,637$88,817,590
67$122,399,044$38,129,802$26,646,462$97,044,224
68$134,764,457$39,878,874$27,419,830$106,080,381
69$148,387,386$41,709,892$28,215,348$116,007,520
70$163,395,977$43,626,755$29,033,639$126,915,363
71$179,931,446$45,633,545$29,875,346$138,902,741
72$198,149,409$47,734,545$30,741,126$152,078,515
73$218,221,350$49,934,239$31,631,655$166,562,599
74$240,336,242$52,237,331$32,547,630$182,487,086
75$264,702,327$54,648,748$33,489,763$199,997,491
76$291,549,083$57,173,656$34,458,789$219,254,110
77$321,129,393$59,817,468$35,455,462$240,433,534
78$353,721,927$62,585,860$36,480,556$263,730,301
79$389,633,775$65,484,779$37,534,866$289,358,729
80$429,203,347$68,520,460$38,619,211$317,554,929
81$472,803,563$71,699,437$39,734,429$348,579,025
82$520,845,378$75,028,561$40,881,384$382,717,600
83$573,781,657$78,515,011$42,060,961$420,286,393
84$632,111,453$82,166,313$43,274,070$461,633,267
85$696,384,716$85,990,358$44,521,647$507,141,485
86$767,207,487$89,995,415$45,804,651$557,233,317
87$845,247,612$94,190,152$47,124,069$612,374,011
88$931,241,057$98,583,658$48,480,914$673,076,179
89$1,025,998,847$103,185,459$49,876,226$739,904,619
90$1,130,414,723$108,005,540$51,311,074$813,481,636
91$1,245,473,585$113,054,372$52,786,555$894,492,902
92$1,372,260,782$118,342,928$54,303,796$983,693,917
93$1,511,972,364$123,882,713$55,863,955$1,081,917,123
94$1,665,926,368$129,685,789$57,468,220$1,190,079,750
95$1,835,575,264$135,764,799$59,117,812$1,309,192,457
96$2,022,519,666$142,133,000$60,813,984$1,440,368,859
97$2,228,523,443$148,804,288$62,558,024$1,584,836,017
98$2,455,530,368$155,793,232$64,351,251$1,743,946,011
99$2,705,682,472$163,115,107$66,195,025$1,919,188,679
100$2,981,340,263$170,785,925$68,090,737$2,112,205,665