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

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,055,797
2 years$560,066$549,635$539,526$529,725$520,218$483,645
3 years$369,668$359,193$349,109$339,400$330,048$294,711
4 years$274,488$264,045$254,062$244,518$235,393$201,562
5 years$217,395$207,014$197,163$187,814$178,942$146,707
6 years$179,346$169,043$159,337$150,196$141,591$110,977
7 years$152,178$141,962$132,410$123,484$115,151$86,155
8 years$131,811$121,687$112,294$103,588$95,529$68,128
9 years$115,979$105,951$96,719$88,234$80,449$54,610
10 years$103,321$93,390$84,321$76,059$68,547$44,229
11 years$92,971$83,140$74,235$66,194$58,952$36,108
12 years$84,352$74,622$65,882$58,061$51,087$29,665
13 years$77,065$67,437$58,861$51,259$44,549$24,494
14 years$70,824$61,298$52,887$45,502$39,051$20,307
15 years$65,420$55,997$47,750$40,580$34,384$16,891
16 years$60,696$51,376$43,292$36,335$30,388$14,088
17 years$56,533$47,315$39,394$32,647$26,945$11,776
18 years$52,836$43,721$35,962$29,421$23,958$9,861
19 years$49,532$40,521$32,921$26,584$21,354$8,270
20 years$46,562$37,654$30,214$24,077$19,074$6,945
21 years$43,878$35,073$27,791$21,852$17,069$5,838
22 years$41,442$32,739$25,613$19,868$15,300$4,912
23 years$39,221$30,620$23,649$18,094$13,734$4,136
24 years$37,188$28,689$21,872$16,503$12,345$3,485
25 years$35,321$26,924$20,258$15,072$11,108$2,937
26 years$33,600$25,304$18,788$13,781$10,006$2,477
27 years$32,009$23,814$17,446$12,614$9,021$2,090
28 years$30,534$22,440$16,219$11,557$8,140$1,764
29 years$29,164$21,169$15,093$10,598$7,350$1,489
30 years$27,887$19,992$14,058$9,726$6,641$1,257
31 years$26,695$18,899$13,106$8,933$6,004$1,061
32 years$25,580$17,882$12,228$8,210$5,431$896
33 years$24,535$16,935$11,418$7,549$4,915$757
34 years$23,553$16,051$10,668$6,946$4,450$640
35 years$22,629$15,224$9,974$6,394$4,031$540
36 years$21,759$14,449$9,330$5,889$3,652$457
37 years$20,937$13,724$8,733$5,426$3,310$386
38 years$20,161$13,042$8,178$5,001$3,001$326
39 years$19,426$12,402$7,662$4,611$2,721$276
40 years$18,730$11,800$7,182$4,253$2,468$233
41 years$18,070$11,232$6,734$3,924$2,239$197
42 years$17,442$10,697$6,317$3,622$2,032$166
43 years$16,845$10,192$5,927$3,343$1,844$141
44 years$16,278$9,715$5,564$3,087$1,674$119
45 years$15,736$9,264$5,224$2,851$1,520$100
46 years$15,220$8,838$4,907$2,633$1,380$85
47 years$14,728$8,434$4,610$2,433$1,253$72
48 years$14,257$8,051$4,332$2,248$1,138$61
49 years$13,807$7,689$4,072$2,078$1,033$51
50 years$13,376$7,344$3,828$1,920$939$43

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 $3,829 every year, while hoping to spend $51,808 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: 25/47/28 Blend
44$13,700,000$13,700,000$13,700,000$13,700,000
45$15,101,350$14,375,250$14,162,900$15,346,082
46$16,586,564$15,024,514$14,582,233$16,200,133
47$18,221,534$15,703,855$15,013,879$17,110,513
48$20,021,479$16,414,693$15,458,193$18,085,542
49$22,003,172$17,158,515$15,915,544$19,130,680
50$24,185,092$17,936,878$16,386,311$20,251,896
51$26,587,601$18,751,415$16,870,882$21,455,718
52$29,233,139$19,603,837$17,369,660$22,749,287
53$32,146,431$20,495,937$17,883,054$24,140,418
54$35,354,720$21,429,591$18,411,490$25,637,665
55$38,888,030$22,406,770$18,955,404$27,250,397
56$42,779,442$23,429,534$19,515,243$28,988,873
57$47,065,411$24,500,047$20,091,468$30,864,338
58$51,786,105$25,620,572$20,684,555$32,889,111
59$56,985,791$26,793,483$21,294,992$35,076,699
60$62,713,247$28,021,269$21,923,279$37,441,912
61$69,022,223$29,306,535$22,569,933$40,000,994
62$75,971,949$30,652,015$23,235,485$42,771,763
63$83,627,695$32,060,571$23,920,481$45,773,771
64$92,061,386$33,535,205$24,625,483$49,028,475
65$101,352,278$35,079,061$25,351,068$52,559,428
66$111,587,711$36,695,436$26,097,830$56,392,491
67$122,863,930$38,387,784$26,866,379$60,556,058
68$135,286,993$40,159,728$27,657,345$65,081,315
69$148,973,772$42,015,061$28,471,372$70,002,520
70$164,053,060$43,957,762$29,309,126$75,357,308
71$180,666,780$45,992,000$30,171,289$81,187,033
72$198,971,329$48,122,145$31,058,565$87,537,140
73$219,139,053$50,352,779$31,971,675$94,457,578
74$241,359,873$52,688,701$32,911,363$102,003,253
75$265,843,079$55,134,947$33,878,393$110,234,527
76$292,819,304$57,696,790$34,873,549$119,217,768
77$322,542,700$60,379,760$35,897,641$129,025,955
78$355,293,342$63,189,655$36,951,498$139,739,348
79$391,379,865$66,132,550$38,035,976$151,446,218
80$431,142,381$69,214,815$39,151,951$164,243,661
81$474,955,689$72,443,126$40,300,327$178,238,487
82$523,232,814$75,824,484$41,482,032$193,548,205
83$576,428,902$79,366,224$42,698,021$210,302,102
84$635,045,521$83,076,040$43,949,276$228,642,436
85$699,635,393$86,961,995$45,236,805$248,725,750
86$770,807,611$91,032,540$46,561,646$270,724,316
87$849,233,392$95,296,539$47,924,865$294,827,735
88$935,652,409$99,763,281$49,327,560$321,244,682
89$1,030,879,779$104,442,506$50,770,857$350,204,852
90$1,135,813,751$109,344,423$52,255,915$381,961,081
91$1,251,444,192$114,479,738$53,783,927$416,791,701
92$1,378,861,927$119,859,673$55,356,116$455,003,123
93$1,519,269,039$125,495,993$56,973,741$496,932,684
94$1,673,990,218$131,401,033$58,638,098$542,951,795
95$1,844,485,262$137,587,726$60,350,517$593,469,390
96$2,032,362,864$144,069,630$62,112,365$648,935,746
97$2,239,395,796$150,860,961$63,925,048$709,846,676
98$2,467,537,641$157,976,622$65,790,012$776,748,161
99$2,718,941,244$165,432,241$67,708,741$850,241,444
100$2,995,979,030$173,244,199$69,682,762$930,988,647