Can I retire at age 45 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,082,201
2 years$564,154$553,647$543,464$533,591$524,015$505,701
3 years$372,367$361,815$351,657$341,877$332,457$314,630
4 years$276,492$265,972$255,917$246,303$237,111$219,908
5 years$218,982$208,525$198,602$189,185$180,248$163,719
6 years$180,655$170,277$160,500$151,292$142,624$126,788
7 years$153,289$142,998$133,376$124,386$115,992$100,853
8 years$132,774$122,576$113,113$104,344$96,226$81,782
9 years$116,826$106,724$97,425$88,878$81,036$67,279
10 years$104,075$94,072$84,937$76,614$69,047$55,964
11 years$93,649$83,747$74,777$66,677$59,383$46,961
12 years$84,967$75,167$66,363$58,485$51,460$39,684
13 years$77,627$67,929$59,291$51,633$44,874$33,725
14 years$71,341$61,745$53,273$45,834$39,336$28,796
15 years$65,897$56,405$48,098$40,876$34,635$24,684
16 years$61,139$51,751$43,608$36,600$30,610$21,228
17 years$56,945$47,661$39,682$32,885$27,141$18,306
18 years$53,221$44,041$36,224$29,636$24,133$15,823
19 years$49,893$40,816$33,162$26,779$21,510$13,704
20 years$46,902$37,929$30,434$24,253$19,213$11,889
21 years$44,199$35,329$27,994$22,011$17,194$10,329
22 years$41,745$32,978$25,800$20,013$15,412$8,986
23 years$39,507$30,844$23,822$18,226$13,834$7,825
24 years$37,460$28,899$22,031$16,624$12,435$6,821
25 years$35,579$27,120$20,405$15,182$11,189$5,950
26 years$33,845$25,489$18,925$13,881$10,079$5,195
27 years$32,243$23,988$17,574$12,706$9,087$4,538
28 years$30,757$22,603$16,337$11,641$8,199$3,966
29 years$29,377$21,324$15,203$10,675$7,404$3,468
30 years$28,091$20,138$14,161$9,797$6,690$3,033
31 years$26,890$19,037$13,202$8,998$6,048$2,654
32 years$25,767$18,013$12,318$8,269$5,471$2,323
33 years$24,714$17,059$11,501$7,604$4,951$2,034
34 years$23,725$16,168$10,746$6,997$4,483$1,781
35 years$22,794$15,335$10,047$6,441$4,060$1,560
36 years$21,918$14,555$9,398$5,932$3,679$1,367
37 years$21,090$13,824$8,797$5,465$3,334$1,198
38 years$20,308$13,138$8,238$5,038$3,023$1,050
39 years$19,568$12,493$7,718$4,645$2,741$920
40 years$18,867$11,886$7,234$4,284$2,486$806
41 years$18,201$11,314$6,783$3,953$2,256$707
42 years$17,569$10,775$6,363$3,648$2,047$620
43 years$16,968$10,266$5,971$3,367$1,858$543
44 years$16,396$9,786$5,604$3,109$1,686$476
45 years$15,851$9,332$5,262$2,872$1,531$418
46 years$15,331$8,902$4,943$2,652$1,390$366
47 years$14,835$8,496$4,643$2,451$1,262$321
48 years$14,361$8,110$4,364$2,264$1,146$282
49 years$13,908$7,745$4,101$2,093$1,041$247
50 years$13,474$7,398$3,856$1,934$945$217

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,800,000, adding $4,484 every year, while hoping to spend $53,387 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: 83/11/6 Blend
44$13,800,000$13,800,000$13,800,000$13,800,000
45$15,212,225$14,480,825$14,266,925$16,469,223
46$16,707,069$15,133,582$14,688,064$17,943,588
47$18,352,597$15,816,535$15,121,521$19,554,536
48$20,164,124$16,531,107$15,567,654$21,321,756
49$22,158,522$17,278,789$16,026,828$23,260,876
50$24,354,386$18,061,144$16,499,421$25,389,107
51$26,772,201$18,879,808$16,985,820$27,725,400
52$29,434,545$19,736,498$17,486,424$30,290,627
53$32,366,292$20,633,010$18,001,643$33,107,775
54$35,594,855$21,571,228$18,531,899$36,202,159
55$39,150,437$22,553,126$19,077,625$39,601,661
56$43,066,324$23,580,771$19,639,267$43,336,991
57$47,379,191$24,656,331$20,217,285$47,441,974
58$52,129,454$25,782,076$20,812,149$51,953,869
59$57,361,647$26,960,387$21,424,345$56,913,713
60$63,124,847$28,193,758$22,054,372$62,366,714
61$69,473,130$29,484,801$22,702,743$68,362,669
62$76,466,090$30,836,256$23,369,985$74,956,431
63$84,169,392$32,250,994$24,056,640$82,208,430
64$92,655,399$33,732,022$24,763,267$90,185,235
65$102,003,853$35,282,494$25,490,439$98,960,180
66$112,302,622$36,905,713$26,238,746$108,614,055
67$123,648,540$38,605,143$27,008,794$119,235,866
68$136,148,309$40,384,413$27,801,206$130,923,668
69$149,919,514$42,247,327$28,616,624$143,785,490
70$165,091,731$44,197,872$29,455,708$157,940,351
71$181,807,747$46,240,228$30,319,134$173,519,378
72$200,224,912$48,378,773$31,207,599$190,667,040
73$220,516,620$50,618,100$32,121,821$209,542,510
74$242,873,948$52,963,020$33,062,535$230,321,158
75$267,507,460$55,418,577$34,030,499$253,196,209
76$294,649,192$57,990,058$35,026,491$278,380,554
77$324,554,843$60,683,005$36,051,312$306,108,763
78$357,506,191$63,503,226$37,105,785$336,639,287
79$393,813,749$66,456,810$38,190,756$370,256,896
80$433,819,699$69,550,141$39,307,093$407,275,360
81$477,901,119$72,789,910$40,455,692$448,040,406
82$526,473,546$76,183,128$41,637,471$492,932,976
83$579,994,897$79,737,150$42,853,375$542,372,814
84$638,969,787$83,459,682$44,104,374$596,822,424
85$703,954,303$87,358,803$45,391,468$656,791,428
86$775,561,241$91,442,984$46,715,681$722,841,370
87$854,465,900$95,721,102$48,078,069$795,591,009
88$941,412,453$100,202,468$49,479,715$875,722,152
89$1,037,220,971$104,896,837$50,921,734$963,986,080
90$1,142,795,169$109,814,441$52,405,271$1,061,210,637
91$1,259,130,931$114,966,003$53,931,502$1,168,308,031
92$1,387,325,717$120,362,768$55,501,638$1,286,283,435
93$1,528,588,919$126,016,522$57,116,922$1,416,244,472
94$1,684,253,280$131,939,624$58,778,631$1,559,411,654
95$1,855,787,478$138,145,028$60,488,078$1,717,129,897
96$2,044,809,985$144,646,319$62,246,613$1,890,881,207
97$2,253,104,352$151,457,737$64,055,623$2,082,298,656
98$2,482,636,042$158,594,213$65,916,533$2,293,181,786
99$2,735,570,989$166,071,400$67,830,807$2,525,513,587
100$3,014,296,042$173,905,710$69,799,951$2,781,479,204