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%14.4%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,370,102
2 years$715,413$702,089$689,176$676,656$664,512$639,040
3 years$472,204$458,823$445,942$433,540$421,594$396,816
4 years$350,624$337,283$324,532$312,341$300,684$276,792
5 years$277,695$264,434$251,850$239,908$228,575$205,637
6 years$229,091$215,930$203,532$191,856$180,864$158,905
7 years$194,388$181,338$169,136$157,736$147,091$126,117
8 years$168,372$155,440$143,441$132,321$122,026$102,032
9 years$148,149$135,339$123,546$112,708$102,763$83,738
10 years$131,979$119,294$107,710$97,155$87,560$69,485
11 years$118,758$106,201$94,826$84,554$75,304$58,161
12 years$107,749$95,320$84,156$74,165$65,257$49,021
13 years$98,440$86,142$75,188$65,477$56,905$41,551
14 years$90,468$78,300$67,556$58,123$49,883$35,383
15 years$83,566$71,529$60,994$51,836$43,921$30,246
16 years$77,532$65,626$55,300$46,413$38,817$25,938
17 years$72,213$60,439$50,321$41,702$34,418$22,304
18 years$67,491$55,849$45,937$37,582$30,603$19,223
19 years$63,271$51,760$42,053$33,958$27,277$16,600
20 years$59,477$48,098$38,594$30,756$24,364$14,358
21 years$56,049$44,801$35,499$27,913$21,803$12,437
22 years$52,937$41,820$32,718$25,379$19,544$10,786
23 years$50,100$39,114$30,209$23,113$17,544$9,364
24 years$47,503$36,647$27,938$21,081$15,769$8,137
25 years$45,118$34,391$25,877$19,252$14,189$7,076
26 years$42,919$32,322$23,999$17,603$12,781$6,157
27 years$40,887$30,419$22,285$16,113$11,523$5,361
28 years$39,004$28,664$20,717$14,763$10,398$4,670
29 years$37,253$27,041$19,279$13,538$9,389$4,070
30 years$35,622$25,537$17,958$12,424$8,483$3,549
31 years$34,100$24,141$16,741$11,411$7,670$3,095
32 years$32,675$22,843$15,620$10,487$6,938$2,700
33 years$31,340$21,632$14,585$9,643$6,279$2,356
34 years$30,086$20,502$13,627$8,873$5,685$2,057
35 years$28,906$19,446$12,740$8,168$5,149$1,795
36 years$27,794$18,457$11,918$7,522$4,665$1,568
37 years$26,745$17,530$11,155$6,931$4,228$1,369
38 years$25,753$16,660$10,446$6,388$3,833$1,196
39 years$24,815$15,842$9,787$5,890$3,476$1,044
40 years$23,925$15,072$9,173$5,433$3,153$912
41 years$23,082$14,347$8,602$5,013$2,860$797
42 years$22,280$13,664$8,069$4,626$2,596$696
43 years$21,518$13,019$7,571$4,270$2,356$608
44 years$20,792$12,410$7,107$3,943$2,138$532
45 years$20,101$11,834$6,673$3,641$1,941$464
46 years$19,442$11,289$6,268$3,364$1,762$406
47 years$18,813$10,773$5,888$3,108$1,600$355
48 years$18,211$10,285$5,534$2,872$1,453$310
49 years$17,636$9,821$5,201$2,654$1,320$271
50 years$17,086$9,382$4,890$2,453$1,199$237

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 $4,147 every year, while hoping to spend $31,993 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: 61/12/27 Blend
44$17,500,000$17,500,000$17,500,000$17,500,000
45$19,289,278$18,361,778$18,090,528$20,325,760
46$21,222,744$19,227,464$18,662,520$21,897,015
47$23,352,351$20,134,498$19,252,602$23,607,499
48$25,698,072$21,084,869$19,861,345$25,473,925
49$28,281,916$22,080,668$20,489,341$27,511,514
50$31,128,135$23,124,085$21,137,198$29,737,017
51$34,263,455$24,217,415$21,805,543$32,168,862
52$37,717,325$25,363,066$22,495,027$34,827,331
53$41,522,198$26,563,562$23,206,316$37,734,742
54$45,713,836$27,821,550$23,940,102$40,915,663
55$50,331,647$29,139,806$24,697,095$44,397,131
56$55,419,057$30,521,239$25,478,029$48,208,909
57$61,023,920$31,968,899$26,283,663$52,383,763
58$67,198,972$33,485,987$27,114,778$56,957,762
59$74,002,323$35,075,856$27,972,179$61,970,617
60$81,498,011$36,742,024$28,856,698$67,466,050
61$89,756,604$38,488,180$29,769,193$73,492,203
62$98,855,866$40,318,189$30,710,550$80,102,083
63$108,881,492$42,236,107$31,681,680$87,354,061
64$119,927,915$44,246,187$32,683,527$95,312,417
65$132,099,199$46,352,887$33,717,062$104,047,936
66$145,510,021$48,560,882$34,783,287$113,638,575
67$160,286,753$50,875,075$35,883,237$124,170,190
68$176,568,655$53,300,607$37,017,979$135,737,339
69$194,509,189$55,842,869$38,188,613$148,444,168
70$214,277,470$58,507,513$39,396,275$162,405,388
71$236,059,859$61,300,468$40,642,137$177,747,348
72$260,061,722$64,227,949$41,927,407$194,609,220
73$286,509,375$67,296,475$43,253,331$213,144,305
74$315,652,210$70,512,881$44,621,197$233,521,470
75$347,765,059$73,884,336$46,032,331$255,926,736
76$383,150,784$77,418,357$47,488,103$280,565,019
77$422,143,133$81,122,826$48,989,923$307,662,060
78$465,109,897$85,006,009$50,539,251$337,466,541
79$512,456,379$89,076,576$52,137,588$370,252,427
80$564,629,218$93,343,616$53,786,485$406,321,535
81$622,120,608$97,816,663$55,487,542$446,006,373
82$685,472,945$102,505,715$57,242,410$489,673,272
83$755,283,946$107,421,256$59,052,792$537,725,821
84$832,212,291$112,574,280$60,920,443$590,608,675
85$916,983,843$117,976,317$62,847,175$648,811,730
86$1,010,398,499$123,639,461$64,834,859$712,874,737
87$1,113,337,742$129,576,390$66,885,424$783,392,381
88$1,226,772,963$135,800,406$69,000,857$861,019,881
89$1,351,774,633$142,325,453$71,183,213$946,479,157
90$1,489,522,404$149,166,159$73,434,610$1,040,565,626
91$1,641,316,251$156,337,862$75,757,230$1,144,155,699
92$1,808,588,740$163,856,649$78,153,330$1,258,215,030
93$1,992,918,558$171,739,391$80,625,232$1,383,807,617
94$2,196,045,411$180,003,781$83,175,338$1,522,105,821
95$2,419,886,451$188,668,375$85,806,120$1,674,401,417
96$2,666,554,377$197,752,633$88,520,132$1,842,117,766
97$2,938,377,375$207,276,964$91,320,009$2,026,823,226
98$3,237,921,105$217,262,772$94,208,466$2,230,245,938
99$3,568,012,915$227,732,506$97,188,308$2,454,290,110
100$3,931,768,542$238,709,708$100,262,426$2,701,053,973