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

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 $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%19.9%
1 years$1,412,102$1,399,524$1,387,252$1,375,274$1,363,578$1,309,476
2 years$699,060$686,041$673,423$661,189$649,323$595,487
3 years$461,411$448,335$435,749$423,630$411,957$360,083
4 years$342,609$329,574$317,114$305,202$293,811$244,292
5 years$271,347$258,390$246,093$234,424$223,351$176,313
6 years$223,855$210,995$198,880$187,471$176,730$132,204
7 years$189,945$177,193$165,270$154,130$143,729$101,699
8 years$164,524$151,887$140,162$129,296$119,237$79,660
9 years$144,762$132,245$120,722$110,132$100,415$63,230
10 years$128,962$116,568$105,248$94,934$85,558$50,694
11 years$116,044$103,773$92,659$82,621$73,583$40,958
12 years$105,286$93,141$82,232$72,470$63,765$33,292
13 years$96,190$84,173$73,469$63,980$55,605$27,190
14 years$88,400$76,511$66,012$56,794$48,743$22,291
15 years$81,655$69,894$59,600$50,651$42,917$18,331
16 years$75,759$64,126$54,036$45,352$37,930$15,112
17 years$70,563$59,058$49,171$40,749$33,631$12,484
18 years$65,948$54,572$44,887$36,723$29,904$10,330
19 years$61,824$50,577$41,092$33,182$26,654$8,559
20 years$58,117$46,998$37,712$30,053$23,808$7,100
21 years$54,768$43,777$34,688$27,275$21,305$5,895
22 years$51,727$40,864$31,970$24,799$19,097$4,898
23 years$48,955$38,220$29,519$22,585$17,143$4,072
24 years$46,417$35,809$27,300$20,599$15,408$3,388
25 years$44,086$33,605$25,285$18,812$13,865$2,819
26 years$41,938$31,584$23,451$17,201$12,489$2,347
27 years$39,953$29,724$21,776$15,744$11,260$1,955
28 years$38,112$28,009$20,244$14,425$10,160$1,628
29 years$36,402$26,423$18,838$13,228$9,174$1,357
30 years$34,808$24,954$17,547$12,140$8,290$1,130
31 years$33,320$23,589$16,359$11,150$7,495$942
32 years$31,928$22,320$15,263$10,247$6,779$785
33 years$30,624$21,138$14,251$9,423$6,135$655
34 years$29,398$20,034$13,315$8,670$5,555$546
35 years$28,245$19,002$12,449$7,981$5,031$455
36 years$27,159$18,035$11,646$7,350$4,559$379
37 years$26,133$17,130$10,900$6,772$4,132$316
38 years$25,164$16,279$10,208$6,242$3,746$264
39 years$24,247$15,480$9,563$5,756$3,397$220
40 years$23,378$14,728$8,964$5,309$3,081$183
41 years$22,554$14,020$8,405$4,898$2,795$153
42 years$21,771$13,352$7,884$4,520$2,536$128
43 years$21,026$12,722$7,398$4,173$2,302$106
44 years$20,317$12,126$6,945$3,853$2,089$89
45 years$19,642$11,564$6,521$3,558$1,897$74
46 years$18,998$11,031$6,125$3,287$1,722$62
47 years$18,383$10,527$5,754$3,037$1,564$51
48 years$17,795$10,049$5,407$2,806$1,420$43
49 years$17,233$9,597$5,082$2,593$1,290$36
50 years$16,696$9,167$4,778$2,397$1,172$30

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 $3,439 every year, while hoping to spend $58,081 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: 70/18/12 Blend
44$17,100,000$17,100,000$17,100,000$17,100,000
45$18,847,747$17,941,447$17,676,397$20,118,784
46$20,708,420$18,758,781$18,206,759$21,779,716
47$22,756,934$19,614,216$18,752,941$23,589,365
48$25,012,389$20,509,561$19,315,412$25,568,209
49$27,495,829$21,446,706$19,894,655$27,732,898
50$30,230,444$22,427,634$20,491,166$30,101,758
51$33,241,786$23,454,425$21,105,456$32,694,956
52$36,558,011$24,529,255$21,738,052$35,534,687
53$40,210,147$25,654,407$22,389,495$38,645,385
54$44,232,381$26,832,272$23,060,343$42,053,944
55$48,662,389$28,065,359$23,751,170$45,789,970
56$53,541,684$29,356,293$24,462,566$49,886,057
57$58,916,013$30,707,828$25,195,139$54,378,088
58$64,835,786$32,122,851$25,949,515$59,305,574
59$71,356,551$33,604,385$26,726,338$64,712,015
60$78,539,520$35,155,601$27,526,272$70,645,311
61$86,452,148$36,779,822$28,349,999$77,158,209
62$95,168,763$38,480,530$29,198,220$84,308,792
63$104,771,277$40,261,376$30,071,660$92,161,023
64$115,349,948$42,126,184$30,971,062$100,785,345
65$127,004,242$44,078,967$31,897,192$110,259,337
66$139,843,765$46,123,926$32,850,838$120,668,441
67$153,989,299$48,265,469$33,832,811$132,106,762
68$169,573,945$50,508,214$34,843,947$144,677,948
69$186,744,373$52,857,002$35,885,105$158,496,163
70$205,662,212$55,316,908$36,957,169$173,687,155
71$226,505,573$57,893,252$38,061,049$190,389,437
72$249,470,729$60,591,609$39,197,683$208,755,585
73$274,773,972$63,417,826$40,368,034$228,953,667
74$302,653,648$66,378,031$41,573,094$251,168,825
75$333,372,413$69,478,647$42,813,885$275,605,012
76$367,219,706$72,726,407$44,091,457$302,486,904
77$404,514,487$76,128,373$45,406,892$332,062,013
78$445,608,244$79,691,943$46,761,303$364,603,014
79$490,888,314$83,424,876$48,155,834$400,410,304
80$540,781,533$87,335,306$49,591,666$439,814,828
81$595,758,272$91,431,760$51,070,010$483,181,193
82$656,336,876$95,723,175$52,592,115$530,911,089
83$723,088,551$100,218,925$54,159,265$583,447,078
84$796,642,765$104,928,834$55,772,782$641,276,749
85$877,693,183$109,863,203$57,434,026$704,937,309
86$967,004,219$115,032,831$59,144,397$775,020,641
87$1,065,418,249$120,449,040$60,905,335$852,178,871
88$1,173,863,568$126,123,700$62,718,321$937,130,511
89$1,293,363,149$132,069,258$64,584,881$1,030,667,222
90$1,425,044,299$138,298,761$66,506,584$1,133,661,268
91$1,570,149,308$144,825,890$68,485,045$1,247,073,735
92$1,730,047,167$151,664,989$70,521,924$1,371,963,578
93$1,906,246,502$158,831,097$72,618,932$1,509,497,603
94$2,100,409,806$166,339,982$74,777,827$1,660,961,454
95$2,314,369,141$174,208,176$77,000,419$1,827,771,730
96$2,550,143,430$182,453,013$79,288,570$2,011,489,333
97$2,809,957,519$191,092,670$81,644,196$2,213,834,179
98$3,096,263,179$200,146,203$84,069,269$2,436,701,408
99$3,411,762,250$209,633,594$86,565,816$2,682,179,245
100$3,759,432,153$219,575,794$89,135,925$2,952,568,688