Can I retire at age 45 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,356,789
2 years$715,413$702,089$689,176$676,656$664,512$625,825
3 years$472,204$458,823$445,942$433,540$421,594$384,117
4 years$350,624$337,283$324,532$312,341$300,684$264,706
5 years$277,695$264,434$251,850$239,908$228,575$194,195
6 years$229,091$215,930$203,532$191,856$180,864$148,113
7 years$194,388$181,338$169,136$157,736$147,091$115,970
8 years$168,372$155,440$143,441$132,321$122,026$92,519
9 years$148,149$135,339$123,546$112,708$102,763$74,842
10 years$131,979$119,294$107,710$97,155$87,560$61,187
11 years$118,758$106,201$94,826$84,554$75,304$50,439
12 years$107,749$95,320$84,156$74,165$65,257$41,852
13 years$98,440$86,142$75,188$65,477$56,905$34,910
14 years$90,468$78,300$67,556$58,123$49,883$29,245
15 years$83,566$71,529$60,994$51,836$43,921$24,585
16 years$77,532$65,626$55,300$46,413$38,817$20,727
17 years$72,213$60,439$50,321$41,702$34,418$17,516
18 years$67,491$55,849$45,937$37,582$30,603$14,833
19 years$63,271$51,760$42,053$33,958$27,277$12,582
20 years$59,477$48,098$38,594$30,756$24,364$10,687
21 years$56,049$44,801$35,499$27,913$21,803$9,089
22 years$52,937$41,820$32,718$25,379$19,544$7,737
23 years$50,100$39,114$30,209$23,113$17,544$6,592
24 years$47,503$36,647$27,938$21,081$15,769$5,620
25 years$45,118$34,391$25,877$19,252$14,189$4,795
26 years$42,919$32,322$23,999$17,603$12,781$4,093
27 years$40,887$30,419$22,285$16,113$11,523$3,495
28 years$39,004$28,664$20,717$14,763$10,398$2,986
29 years$37,253$27,041$19,279$13,538$9,389$2,552
30 years$35,622$25,537$17,958$12,424$8,483$2,181
31 years$34,100$24,141$16,741$11,411$7,670$1,865
32 years$32,675$22,843$15,620$10,487$6,938$1,595
33 years$31,340$21,632$14,585$9,643$6,279$1,364
34 years$30,086$20,502$13,627$8,873$5,685$1,167
35 years$28,906$19,446$12,740$8,168$5,149$998
36 years$27,794$18,457$11,918$7,522$4,665$854
37 years$26,745$17,530$11,155$6,931$4,228$731
38 years$25,753$16,660$10,446$6,388$3,833$625
39 years$24,815$15,842$9,787$5,890$3,476$535
40 years$23,925$15,072$9,173$5,433$3,153$458
41 years$23,082$14,347$8,602$5,013$2,860$392
42 years$22,280$13,664$8,069$4,626$2,596$336
43 years$21,518$13,019$7,571$4,270$2,356$287
44 years$20,792$12,410$7,107$3,943$2,138$246
45 years$20,101$11,834$6,673$3,641$1,941$211
46 years$19,442$11,289$6,268$3,364$1,762$180
47 years$18,813$10,773$5,888$3,108$1,600$154
48 years$18,211$10,285$5,534$2,872$1,453$132
49 years$17,636$9,821$5,201$2,654$1,320$113
50 years$17,086$9,382$4,890$2,453$1,199$97

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $17,500,000, adding $6,925 every year, while hoping to spend $34,893 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: 54/29/17 Blend
44$17,500,000$17,500,000$17,500,000$17,500,000
45$19,292,143$18,364,643$18,093,393$20,245,460
46$21,222,816$19,227,385$18,662,396$21,760,110
47$23,349,248$20,131,231$19,249,291$23,403,668
48$25,691,369$21,078,160$19,854,640$25,191,930
49$28,271,143$22,070,244$20,479,025$27,138,698
50$31,112,770$23,109,656$21,123,043$29,259,140
51$34,242,919$24,198,676$21,787,311$31,569,928
52$37,690,978$25,339,692$22,472,467$34,089,388
53$41,489,330$26,535,210$23,179,167$36,837,669
54$45,673,661$27,787,854$23,908,089$39,836,925
55$50,283,295$29,100,379$24,659,930$43,111,516
56$55,361,566$30,475,673$25,435,412$46,688,236
57$60,956,225$31,916,760$26,235,279$50,596,551
58$67,119,895$33,426,817$27,060,295$54,868,877
59$73,910,563$35,009,169$27,911,253$59,540,871
60$81,392,128$36,667,306$28,788,968$64,651,764
61$89,635,008$38,404,886$29,694,281$70,244,721
62$98,716,799$40,225,746$30,628,060$76,367,237
63$108,723,012$42,133,907$31,591,200$83,071,578
64$119,747,878$44,133,587$32,584,623$90,415,266
65$131,895,235$46,229,207$33,609,282$98,461,605
66$145,279,516$48,425,405$34,666,160$107,280,274
67$160,026,818$50,727,041$35,756,268$116,947,969
68$176,276,102$53,139,215$36,880,651$127,549,117
69$194,180,499$55,667,271$38,040,388$139,176,659
70$213,908,759$58,316,816$39,236,589$151,932,915
71$235,646,839$61,093,726$40,470,402$165,930,535
72$259,599,663$64,004,166$41,743,007$181,293,548
73$285,993,057$67,054,598$43,055,626$198,158,517
74$315,075,875$70,251,800$44,409,515$216,675,816
75$347,122,353$73,602,877$45,805,973$237,011,025
76$382,434,698$77,115,282$47,246,338$259,346,484
77$421,345,936$80,796,830$48,731,989$283,882,991
78$464,223,062$84,655,716$50,264,351$310,841,681
79$511,470,500$88,700,531$51,844,893$340,466,089
80$563,533,922$92,940,288$53,475,128$373,024,435
81$620,904,456$97,384,436$55,156,619$408,812,128
82$684,123,322$102,042,885$56,890,977$448,154,535
83$753,786,940$106,926,026$58,679,864$491,410,028
84$830,552,564$112,044,757$60,524,995$538,973,341
85$915,144,480$117,410,505$62,428,138$591,279,270
86$1,008,360,852$123,035,255$64,391,115$648,806,754
87$1,111,081,251$128,931,575$66,415,809$712,083,359
88$1,224,274,960$135,112,643$68,504,160$781,690,240
89$1,349,010,124$141,592,281$70,658,168$858,267,583
90$1,486,463,837$148,384,983$72,879,897$942,520,626
91$1,637,933,252$155,505,951$75,171,477$1,035,226,278
92$1,804,847,825$162,971,124$77,535,103$1,137,240,413
93$1,988,782,814$170,797,220$79,973,040$1,249,505,922
94$2,191,474,149$179,001,771$82,487,624$1,373,061,564
95$2,414,834,817$187,603,162$85,081,264$1,509,051,738
96$2,660,972,928$196,620,677$87,756,446$1,658,737,240
97$2,932,211,612$206,074,536$90,515,733$1,823,507,121
98$3,231,110,955$215,985,946$93,361,768$2,004,891,753
99$3,560,492,164$226,377,150$96,297,279$2,204,577,225
100$3,923,464,205$237,271,470$99,325,078$2,424,421,212