Can I retire at age 45 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,074,646
2 years$568,242$557,659$547,403$537,458$527,812$494,090
3 years$375,065$364,436$354,206$344,355$334,866$302,238
4 years$278,495$267,899$257,771$248,088$238,829$207,546
5 years$220,569$210,036$200,041$190,555$181,554$151,701
6 years$181,964$171,510$161,663$152,389$143,658$115,260
7 years$154,399$144,034$134,343$125,287$116,832$89,889
8 years$133,736$123,464$113,933$105,100$96,923$71,417
9 years$117,672$107,498$98,131$89,522$81,624$57,527
10 years$104,829$94,754$85,552$77,169$69,547$46,826
11 years$94,328$84,354$75,319$67,160$59,813$38,427
12 years$85,583$75,711$66,844$58,908$51,833$31,738
13 years$78,190$68,421$59,720$52,007$45,199$26,349
14 years$71,858$62,193$53,659$46,166$39,621$21,966
15 years$66,375$56,814$48,447$41,172$34,886$18,375
16 years$61,582$52,126$43,924$36,865$30,832$15,414
17 years$57,358$48,006$39,969$33,123$27,338$12,960
18 years$53,607$44,360$36,487$29,851$24,308$10,918
19 years$50,255$41,112$33,402$26,973$21,666$9,212
20 years$47,242$38,203$30,655$24,429$19,352$7,783
21 years$44,519$35,585$28,196$22,171$17,318$6,583
22 years$42,047$33,217$25,987$20,158$15,523$5,574
23 years$39,794$31,067$23,995$18,359$13,935$4,723
24 years$37,731$29,108$22,191$16,744$12,525$4,004
25 years$35,836$27,317$20,553$15,292$11,270$3,397
26 years$34,090$25,673$19,062$13,982$10,152$2,884
27 years$32,476$24,161$17,701$12,798$9,153$2,448
28 years$30,980$22,767$16,455$11,726$8,259$2,080
29 years$29,590$21,478$15,313$10,753$7,457$1,767
30 years$28,294$20,284$14,264$9,868$6,738$1,502
31 years$27,085$19,175$13,297$9,063$6,092$1,277
32 years$25,954$18,144$12,407$8,329$5,511$1,085
33 years$24,893$17,182$11,584$7,660$4,987$923
34 years$23,897$16,285$10,824$7,047$4,515$785
35 years$22,960$15,446$10,119$6,488$4,090$668
36 years$22,076$14,660$9,466$5,975$3,705$568
37 years$21,243$13,924$8,860$5,505$3,358$483
38 years$20,455$13,233$8,297$5,074$3,045$411
39 years$19,710$12,583$7,774$4,679$2,761$350
40 years$19,003$11,972$7,286$4,315$2,504$297
41 years$18,333$11,396$6,832$3,981$2,272$253
42 years$17,697$10,853$6,409$3,674$2,062$215
43 years$17,091$10,341$6,014$3,392$1,871$183
44 years$16,515$9,857$5,645$3,132$1,698$156
45 years$15,966$9,400$5,301$2,892$1,542$133
46 years$15,442$8,967$4,978$2,672$1,400$113
47 years$14,943$8,557$4,677$2,468$1,271$96
48 years$14,465$8,169$4,395$2,281$1,154$82
49 years$14,008$7,801$4,131$2,108$1,048$70
50 years$13,571$7,452$3,884$1,948$952$59

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,900,000, adding $3,415 every year, while hoping to spend $57,822 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: 51/32/17 Blend
44$13,900,000$13,900,000$13,900,000$13,900,000
45$15,321,323$14,584,623$14,369,173$16,030,989
46$16,822,575$15,237,747$14,789,018$17,172,503
47$18,475,018$15,920,936$15,220,990$18,406,579
48$20,294,011$16,635,603$15,665,434$19,747,022
49$22,296,479$17,383,227$16,122,705$21,203,903
50$24,501,071$18,165,357$16,593,167$22,788,288
51$26,928,339$18,983,617$17,077,197$24,512,337
52$29,600,925$19,839,710$17,575,178$26,389,415
53$32,543,780$20,735,416$18,087,507$28,434,214
54$35,784,398$21,672,605$18,614,591$30,662,885
55$39,353,076$22,653,232$19,156,849$33,093,184
56$43,283,197$23,679,347$19,714,711$35,744,639
57$47,611,548$24,753,100$20,288,619$38,638,723
58$52,378,665$25,876,741$20,879,026$41,799,053
59$57,629,216$27,052,628$21,486,401$45,251,609
60$63,412,422$28,283,234$22,111,222$49,024,967
61$69,782,525$29,571,148$22,753,983$53,150,569
62$76,799,292$30,919,083$23,415,191$57,663,004
63$84,528,586$32,329,884$24,095,366$62,600,337
64$93,042,984$33,806,532$24,795,044$68,004,451
65$102,422,465$35,352,148$25,514,774$73,921,440
66$112,755,159$36,970,005$26,255,121$80,402,035
67$124,138,184$38,663,535$27,016,667$87,502,071
68$136,678,561$40,436,330$27,800,007$95,283,008
69$150,494,222$42,292,158$28,605,756$103,812,497
70$165,715,125$44,234,967$29,434,541$113,165,015
71$182,484,482$46,268,894$30,287,012$123,422,552
72$200,960,104$48,398,275$31,163,833$134,675,374
73$221,315,900$50,627,656$32,065,686$147,022,866
74$243,743,510$52,961,799$32,993,274$160,574,458
75$268,454,117$55,405,696$33,947,319$175,450,641
76$295,680,443$57,964,581$34,928,560$191,784,096
77$325,678,940$60,643,938$35,937,758$209,720,929
78$358,732,215$63,449,514$36,975,697$229,422,039
79$395,151,696$66,387,335$38,043,177$251,064,619
80$435,280,571$69,463,717$39,141,026$274,843,811
81$479,497,029$72,685,278$40,270,090$300,974,538
82$528,217,827$76,058,958$41,431,239$329,693,507
83$581,902,228$79,592,029$42,625,368$361,261,432
84$641,056,332$83,292,116$43,853,395$395,965,473
85$706,237,858$87,167,209$45,116,263$434,121,927
86$778,061,403$91,225,686$46,414,942$476,079,194
87$857,204,249$95,476,328$47,750,425$522,221,041
88$944,412,754$99,928,340$49,123,736$572,970,207
89$1,040,509,397$104,591,370$50,535,923$628,792,366
90$1,146,400,544$109,475,536$51,988,065$690,200,499
91$1,263,085,002$114,591,439$53,481,268$757,759,710
92$1,391,663,450$119,950,198$55,016,668$832,092,534
93$1,533,348,829$125,563,465$56,595,434$913,884,785
94$1,689,477,792$131,443,457$58,218,763$1,003,892,002
95$1,861,523,321$137,602,980$59,887,885$1,102,946,546
96$2,051,108,636$144,055,463$61,604,066$1,211,965,429
97$2,260,022,516$150,814,980$63,368,602$1,331,958,933
98$2,490,236,188$157,896,289$65,182,824$1,464,040,116
99$2,743,921,932$165,314,860$67,048,102$1,609,435,277
100$3,023,473,594$173,086,913$68,965,838$1,769,495,498