Can I retire at age 45 with 17,100,000?

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 $17,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,349,338
2 years$699,060$686,041$673,423$661,189$649,323$634,983
3 years$461,411$448,335$435,749$423,630$411,957$397,961
4 years$342,609$329,574$317,114$305,202$293,811$280,268
5 years$271,347$258,390$246,093$234,424$223,351$210,300
6 years$223,855$210,995$198,880$187,471$176,730$164,187
7 years$189,945$177,193$165,270$154,130$143,729$131,700
8 years$164,524$151,887$140,162$129,296$119,237$107,721
9 years$144,762$132,245$120,722$110,132$100,415$89,407
10 years$128,962$116,568$105,248$94,934$85,558$75,053
11 years$116,044$103,773$92,659$82,621$73,583$63,570
12 years$105,286$93,141$82,232$72,470$63,765$54,236
13 years$96,190$84,173$73,469$63,980$55,605$46,547
14 years$88,400$76,511$66,012$56,794$48,743$40,144
15 years$81,655$69,894$59,600$50,651$42,917$34,764
16 years$75,759$64,126$54,036$45,352$37,930$30,210
17 years$70,563$59,058$49,171$40,749$33,631$26,329
18 years$65,948$54,572$44,887$36,723$29,904$23,004
19 years$61,824$50,577$41,092$33,182$26,654$20,143
20 years$58,117$46,998$37,712$30,053$23,808$17,671
21 years$54,768$43,777$34,688$27,275$21,305$15,526
22 years$51,727$40,864$31,970$24,799$19,097$13,662
23 years$48,955$38,220$29,519$22,585$17,143$12,035
24 years$46,417$35,809$27,300$20,599$15,408$10,614
25 years$44,086$33,605$25,285$18,812$13,865$9,369
26 years$41,938$31,584$23,451$17,201$12,489$8,277
27 years$39,953$29,724$21,776$15,744$11,260$7,317
28 years$38,112$28,009$20,244$14,425$10,160$6,473
29 years$36,402$26,423$18,838$13,228$9,174$5,729
30 years$34,808$24,954$17,547$12,140$8,290$5,074
31 years$33,320$23,589$16,359$11,150$7,495$4,495
32 years$31,928$22,320$15,263$10,247$6,779$3,984
33 years$30,624$21,138$14,251$9,423$6,135$3,532
34 years$29,398$20,034$13,315$8,670$5,555$3,132
35 years$28,245$19,002$12,449$7,981$5,031$2,778
36 years$27,159$18,035$11,646$7,350$4,559$2,465
37 years$26,133$17,130$10,900$6,772$4,132$2,188
38 years$25,164$16,279$10,208$6,242$3,746$1,942
39 years$24,247$15,480$9,563$5,756$3,397$1,724
40 years$23,378$14,728$8,964$5,309$3,081$1,531
41 years$22,554$14,020$8,405$4,898$2,795$1,359
42 years$21,771$13,352$7,884$4,520$2,536$1,207
43 years$21,026$12,722$7,398$4,173$2,302$1,072
44 years$20,317$12,126$6,945$3,853$2,089$952
45 years$19,642$11,564$6,521$3,558$1,897$846
46 years$18,998$11,031$6,125$3,287$1,722$752
47 years$18,383$10,527$5,754$3,037$1,564$668
48 years$17,795$10,049$5,407$2,806$1,420$593
49 years$17,233$9,597$5,082$2,593$1,290$527
50 years$16,696$9,167$4,778$2,397$1,172$468

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $17,100,000, adding $6,137 every year, while hoping to spend $48,134 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: 34/43/23 Blend
44$17,100,000$17,100,000$17,100,000$17,100,000
45$18,850,530$17,944,230$17,679,180$19,359,049
46$20,722,070$18,772,283$18,220,219$20,566,046
47$22,782,894$19,639,298$18,777,769$21,861,914
48$25,052,258$20,547,132$19,352,332$23,258,379
49$27,551,380$21,497,733$19,944,427$24,764,390
50$30,303,642$22,493,144$20,554,587$26,389,758
51$33,334,809$23,535,503$21,183,361$28,145,231
52$36,673,270$24,627,054$21,831,315$30,042,593
53$40,350,312$25,770,148$22,499,032$32,094,766
54$44,400,408$26,967,248$23,187,113$34,315,919
55$48,861,545$28,220,940$23,896,178$36,721,600
56$53,775,586$29,533,929$24,626,863$39,328,866
57$59,188,660$30,909,055$25,379,827$42,156,437
58$65,151,598$32,349,294$26,155,745$45,224,863
59$71,720,414$33,857,763$26,955,316$48,556,703
60$78,956,836$35,437,733$27,779,259$52,176,731
61$86,928,882$37,092,631$28,628,313$56,112,155
62$95,711,509$38,826,050$29,503,242$60,392,860
63$105,387,313$40,641,757$30,404,831$65,051,682
64$116,047,316$42,543,700$31,333,890$70,124,697
65$127,791,820$44,536,019$32,291,253$75,651,552
66$140,731,356$46,623,054$33,277,780$81,675,823
67$154,987,724$48,809,353$34,294,356$88,245,408
68$170,695,147$51,099,687$35,341,892$95,412,968
69$188,001,536$53,499,056$36,421,330$103,236,399
70$207,069,885$56,012,702$37,533,636$111,779,368
71$228,079,809$58,646,120$38,679,809$121,111,888
72$251,229,242$61,405,072$39,860,875$131,310,967
73$276,736,305$64,295,601$41,077,894$142,461,304
74$304,841,360$67,324,038$42,331,956$154,656,076
75$335,809,287$70,497,023$43,624,184$167,997,791
76$369,931,976$73,821,520$44,955,737$182,599,229
77$407,531,090$77,304,826$46,327,806$198,584,488
78$448,961,094$80,954,595$47,741,620$216,090,121
79$494,612,605$84,778,851$49,198,444$235,266,407
80$544,916,082$88,786,005$50,699,583$256,278,734
81$600,345,882$92,984,880$52,246,379$279,309,133
82$661,424,746$97,384,722$53,840,216$304,557,964
83$728,728,726$101,995,230$55,482,520$332,245,778
84$802,892,630$106,826,570$57,174,758$362,615,358
85$884,616,010$111,889,403$58,918,444$395,933,982
86$974,669,767$117,194,908$60,715,136$432,495,903
87$1,073,903,430$122,754,805$62,566,439$472,625,093
88$1,183,253,172$128,581,383$64,474,008$516,678,252
89$1,303,750,653$134,687,528$66,439,545$565,048,142
90$1,436,532,756$141,086,753$68,464,805$618,167,241
91$1,582,852,318$147,793,225$70,551,597$676,511,785
92$1,744,089,962$154,821,801$72,701,784$740,606,209
93$1,921,767,127$162,188,058$74,917,282$811,028,048
94$2,117,560,433$169,908,332$77,200,070$888,413,337
95$2,333,317,507$177,999,750$79,552,182$973,462,557
96$2,571,074,429$186,480,274$81,975,717$1,066,947,184
97$2,833,074,951$195,368,737$84,472,833$1,169,716,919
98$3,121,791,680$204,684,890$87,045,758$1,282,707,635
99$3,439,949,423$214,449,441$89,696,782$1,406,950,149
100$3,790,550,908$224,684,107$92,428,268$1,543,579,882