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

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,083,540
2 years$564,154$553,647$543,464$533,591$524,015$507,038
3 years$372,367$361,815$351,657$341,877$332,457$315,922
4 years$276,492$265,972$255,917$246,303$237,111$221,146
5 years$218,982$208,525$198,602$189,185$180,248$164,900
6 years$180,655$170,277$160,500$151,292$142,624$127,910
7 years$153,289$142,998$133,376$124,386$115,992$101,916
8 years$132,774$122,576$113,113$104,344$96,226$82,788
9 years$116,826$106,724$97,425$88,878$81,036$68,227
10 years$104,075$94,072$84,937$76,614$69,047$56,858
11 years$93,649$83,747$74,777$66,677$59,383$47,801
12 years$84,967$75,167$66,363$58,485$51,460$40,471
13 years$77,627$67,929$59,291$51,633$44,874$34,462
14 years$71,341$61,745$53,273$45,834$39,336$29,485
15 years$65,897$56,405$48,098$40,876$34,635$25,326
16 years$61,139$51,751$43,608$36,600$30,610$21,826
17 years$56,945$47,661$39,682$32,885$27,141$18,862
18 years$53,221$44,041$36,224$29,636$24,133$16,339
19 years$49,893$40,816$33,162$26,779$21,510$14,182
20 years$46,902$37,929$30,434$24,253$19,213$12,331
21 years$44,199$35,329$27,994$22,011$17,194$10,738
22 years$41,745$32,978$25,800$20,013$15,412$9,363
23 years$39,507$30,844$23,822$18,226$13,834$8,172
24 years$37,460$28,899$22,031$16,624$12,435$7,140
25 years$35,579$27,120$20,405$15,182$11,189$6,244
26 years$33,845$25,489$18,925$13,881$10,079$5,464
27 years$32,243$23,988$17,574$12,706$9,087$4,784
28 years$30,757$22,603$16,337$11,641$8,199$4,191
29 years$29,377$21,324$15,203$10,675$7,404$3,674
30 years$28,091$20,138$14,161$9,797$6,690$3,222
31 years$26,890$19,037$13,202$8,998$6,048$2,826
32 years$25,767$18,013$12,318$8,269$5,471$2,480
33 years$24,714$17,059$11,501$7,604$4,951$2,177
34 years$23,725$16,168$10,746$6,997$4,483$1,911
35 years$22,794$15,335$10,047$6,441$4,060$1,678
36 years$21,918$14,555$9,398$5,932$3,679$1,474
37 years$21,090$13,824$8,797$5,465$3,334$1,295
38 years$20,308$13,138$8,238$5,038$3,023$1,138
39 years$19,568$12,493$7,718$4,645$2,741$1,000
40 years$18,867$11,886$7,234$4,284$2,486$878
41 years$18,201$11,314$6,783$3,953$2,256$772
42 years$17,569$10,775$6,363$3,648$2,047$679
43 years$16,968$10,266$5,971$3,367$1,858$596
44 years$16,396$9,786$5,604$3,109$1,686$524
45 years$15,851$9,332$5,262$2,872$1,531$461
46 years$15,331$8,902$4,943$2,652$1,390$405
47 years$14,835$8,496$4,643$2,451$1,262$356
48 years$14,361$8,110$4,364$2,264$1,146$313
49 years$13,908$7,745$4,101$2,093$1,041$275
50 years$13,474$7,398$3,856$1,934$945$242

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 $6,036 every year, while hoping to spend $49,353 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: 51/34/15 Blend
44$13,800,000$13,800,000$13,800,000$13,800,000
45$15,213,826$14,482,426$14,268,526$15,927,296
46$16,713,125$15,139,554$14,694,011$17,074,593
47$18,363,699$15,827,227$15,132,095$18,315,550
48$20,180,924$16,546,889$15,583,148$19,663,592
49$22,181,747$17,300,055$16,047,552$21,128,843
50$24,384,839$18,088,311$16,525,698$22,722,422
51$26,810,773$18,913,319$17,017,990$24,456,548
52$29,482,220$19,776,821$17,524,841$26,344,649
53$32,424,164$20,680,641$18,046,680$28,401,481
54$35,664,130$21,626,694$18,583,945$30,643,267
55$39,232,452$22,616,984$19,137,089$33,087,840
56$43,162,557$23,653,611$19,706,576$35,754,807
57$47,491,277$24,738,777$20,292,886$38,665,729
58$52,259,200$25,874,790$20,896,510$41,844,315
59$57,511,052$27,064,067$21,517,956$45,316,645
60$63,296,116$28,309,144$22,157,745$49,111,402
61$69,668,704$29,612,676$22,816,413$53,260,139
62$76,688,661$30,977,447$23,494,513$57,797,572
63$84,421,938$32,406,374$24,192,612$62,761,892
64$92,941,206$33,902,517$24,911,295$68,195,126
65$102,326,549$35,469,080$25,651,163$74,143,518
66$112,666,215$37,109,423$26,412,835$80,657,960
67$124,057,451$38,827,067$27,196,948$87,794,461
68$136,607,421$40,625,703$28,004,155$95,614,667
69$150,434,215$42,509,200$28,835,131$104,186,433
70$165,667,966$44,481,612$29,690,570$113,584,450
71$182,452,078$46,547,191$30,571,183$123,890,940
72$200,944,578$48,710,391$31,477,706$135,196,420
73$221,319,608$50,975,883$32,410,892$147,600,545
74$243,769,070$53,348,563$33,371,519$161,213,034
75$268,504,435$55,833,563$34,360,384$176,154,693
76$295,758,741$58,436,261$35,378,311$192,558,541
77$325,788,792$61,162,297$36,426,144$210,571,048
78$358,877,582$64,017,583$37,504,753$230,353,506
79$395,336,967$67,008,316$38,615,033$252,083,534
80$435,510,605$70,140,991$39,757,905$275,956,735
81$479,777,207$73,422,419$40,934,314$302,188,528
82$528,554,104$76,859,740$42,145,236$331,016,158
83$582,301,193$80,460,438$43,391,672$362,700,923
84$641,525,274$84,232,358$44,674,652$397,530,612
85$706,784,836$88,183,728$45,995,237$435,822,207
86$778,695,328$92,323,170$47,354,517$477,924,846
87$857,934,972$96,659,726$48,753,614$524,223,103
88$945,251,160$101,202,873$50,193,681$575,140,588
89$1,041,467,515$105,962,550$51,675,905$631,143,920
90$1,147,491,660$110,949,174$53,201,507$692,747,108
91$1,264,323,794$116,173,668$54,771,742$760,516,375
92$1,393,066,127$121,647,484$56,387,901$835,075,470
93$1,534,933,290$127,382,628$58,051,313$917,111,527
94$1,691,263,797$133,391,688$59,763,344$1,007,381,521
95$1,863,532,685$139,687,863$61,525,397$1,106,719,378
96$2,053,365,441$146,284,989$63,338,919$1,216,043,813
97$2,262,553,338$153,197,576$65,205,395$1,336,366,963
98$2,493,070,356$160,440,835$67,126,354$1,468,803,908
99$2,747,091,813$168,030,716$69,103,367$1,614,583,152
100$3,027,014,899$175,983,942$71,138,051$1,775,058,180