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

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,372,922
2 years$715,413$702,089$689,176$676,656$664,512$641,852
3 years$472,204$458,823$445,942$433,540$421,594$399,532
4 years$350,624$337,283$324,532$312,341$300,684$279,392
5 years$277,695$264,434$251,850$239,908$228,575$208,113
6 years$229,091$215,930$203,532$191,856$180,864$161,255
7 years$194,388$181,338$169,136$157,736$147,091$128,341
8 years$168,372$155,440$143,441$132,321$122,026$104,132
9 years$148,149$135,339$123,546$112,708$102,763$85,716
10 years$131,979$119,294$107,710$97,155$87,560$71,345
11 years$118,758$106,201$94,826$84,554$75,304$59,905
12 years$107,749$95,320$84,156$74,165$65,257$50,654
13 years$98,440$86,142$75,188$65,477$56,905$43,077
14 years$90,468$78,300$67,556$58,123$49,883$36,806
15 years$83,566$71,529$60,994$51,836$43,921$31,571
16 years$77,532$65,626$55,300$46,413$38,817$27,170
17 years$72,213$60,439$50,321$41,702$34,418$23,447
18 years$67,491$55,849$45,937$37,582$30,603$20,281
19 years$63,271$51,760$42,053$33,958$27,277$17,578
20 years$59,477$48,098$38,594$30,756$24,364$15,262
21 years$56,049$44,801$35,499$27,913$21,803$13,270
22 years$52,937$41,820$32,718$25,379$19,544$11,552
23 years$50,100$39,114$30,209$23,113$17,544$10,068
24 years$47,503$36,647$27,938$21,081$15,769$8,783
25 years$45,118$34,391$25,877$19,252$14,189$7,668
26 years$42,919$32,322$23,999$17,603$12,781$6,699
27 years$40,887$30,419$22,285$16,113$11,523$5,857
28 years$39,004$28,664$20,717$14,763$10,398$5,123
29 years$37,253$27,041$19,279$13,538$9,389$4,483
30 years$35,622$25,537$17,958$12,424$8,483$3,925
31 years$34,100$24,141$16,741$11,411$7,670$3,437
32 years$32,675$22,843$15,620$10,487$6,938$3,011
33 years$31,340$21,632$14,585$9,643$6,279$2,638
34 years$30,086$20,502$13,627$8,873$5,685$2,313
35 years$28,906$19,446$12,740$8,168$5,149$2,027
36 years$27,794$18,457$11,918$7,522$4,665$1,778
37 years$26,745$17,530$11,155$6,931$4,228$1,559
38 years$25,753$16,660$10,446$6,388$3,833$1,367
39 years$24,815$15,842$9,787$5,890$3,476$1,199
40 years$23,925$15,072$9,173$5,433$3,153$1,052
41 years$23,082$14,347$8,602$5,013$2,860$923
42 years$22,280$13,664$8,069$4,626$2,596$810
43 years$21,518$13,019$7,571$4,270$2,356$711
44 years$20,792$12,410$7,107$3,943$2,138$624
45 years$20,101$11,834$6,673$3,641$1,941$547
46 years$19,442$11,289$6,268$3,364$1,762$480
47 years$18,813$10,773$5,888$3,108$1,600$422
48 years$18,211$10,285$5,534$2,872$1,453$370
49 years$17,636$9,821$5,201$2,654$1,320$325
50 years$17,086$9,382$4,890$2,453$1,199$285

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 $6,520 every year, while hoping to spend $39,014 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: 69/24/7 Blend
44$17,500,000$17,500,000$17,500,000$17,500,000
45$19,291,725$18,364,225$18,092,975$20,600,788
46$21,217,971$19,222,562$18,657,579$22,326,482
47$23,339,386$20,121,649$19,239,790$24,208,149
48$25,675,836$21,063,443$19,840,156$26,265,392
49$28,249,213$22,049,994$20,459,243$28,515,416
50$31,083,640$23,083,450$21,097,635$30,977,146
51$34,205,697$24,166,065$21,755,932$33,671,405
52$37,644,678$25,300,202$22,434,755$36,621,106
53$41,432,859$26,488,336$23,134,744$39,851,462
54$45,605,811$27,733,065$23,856,558$43,390,220
55$50,202,728$29,037,109$24,600,876$47,267,919
56$55,266,801$30,403,323$25,368,401$51,518,170
57$60,845,627$31,834,698$26,159,855$56,177,969
58$66,991,655$33,334,372$26,975,983$61,288,042
59$73,762,680$34,905,632$27,817,555$66,893,218
60$81,222,392$36,551,927$28,685,362$73,042,852
61$89,440,977$38,276,872$29,580,222$79,791,281
62$98,495,775$40,084,257$30,502,978$87,198,328
63$108,472,014$41,978,057$31,454,499$95,329,863
64$119,463,615$43,962,437$32,435,680$104,258,415
65$131,574,074$46,041,766$33,447,445$114,063,847
66$144,917,443$48,220,626$34,490,748$124,834,104
67$159,619,404$50,503,818$35,566,570$136,666,034
68$175,818,457$52,896,379$36,675,923$149,666,289
69$193,667,226$55,403,589$37,819,854$163,952,327
70$213,333,902$58,030,983$38,999,437$179,653,509
71$235,003,825$60,784,367$40,215,784$196,912,307
72$258,881,242$63,669,827$41,470,039$215,885,639
73$285,191,227$66,693,746$42,763,383$236,746,342
74$314,181,809$69,862,817$44,097,034$259,684,784
75$346,126,314$73,184,056$45,472,245$284,910,655
76$381,325,945$76,664,821$46,890,312$312,654,929
77$420,112,622$80,312,829$48,352,569$343,172,033
78$462,852,121$84,136,169$49,860,391$376,742,229
79$509,947,521$88,143,325$51,415,198$413,674,251
80$561,843,013$92,343,192$53,018,452$454,308,199
81$619,028,092$96,745,100$54,671,661$499,018,732
82$682,042,177$101,358,830$56,376,382$548,218,590
83$751,479,705$106,194,639$58,134,217$602,362,469
84$827,995,742$111,263,283$59,946,820$661,951,296
85$912,312,166$116,576,042$61,815,896$727,536,935
86$1,005,224,481$122,144,742$63,743,204$799,727,379
87$1,107,609,332$127,981,789$65,730,555$879,192,464
88$1,220,432,774$134,100,186$67,779,819$966,670,169
89$1,344,759,397$140,513,575$69,892,922$1,062,973,560
90$1,481,762,374$147,236,259$72,071,853$1,168,998,440
91$1,632,734,536$154,283,235$74,318,660$1,285,731,777
92$1,799,100,579$161,670,234$76,635,456$1,414,260,994
93$1,982,430,513$169,413,750$79,024,418$1,555,784,207
94$2,184,454,483$177,531,082$81,487,794$1,711,621,500
95$2,407,079,103$186,040,368$84,027,898$1,883,227,360
96$2,652,405,458$194,960,633$86,647,119$2,072,204,372
97$2,922,748,937$204,311,825$89,347,920$2,280,318,313
98$3,220,661,091$214,114,867$92,132,837$2,509,514,782
99$3,548,953,725$224,391,699$95,004,490$2,761,937,534
100$3,910,725,442$235,165,329$97,965,578$3,039,948,673