Can I retire at age 45 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,369,580
2 years$727,677$714,125$700,990$688,256$675,903$626,237
3 years$480,299$466,688$453,587$440,972$428,821$380,865
4 years$356,634$343,065$330,095$317,696$305,839$259,961
5 years$282,455$268,967$256,167$244,021$232,494$188,814
6 years$233,018$219,632$207,021$195,145$183,964$142,516
7 years$197,720$184,447$172,036$160,440$149,612$110,387
8 years$171,259$158,105$145,900$134,589$124,118$87,083
9 years$150,688$137,659$125,664$114,640$104,525$69,634
10 years$134,242$121,339$109,556$98,821$89,061$56,254
11 years$120,794$108,021$96,452$86,004$76,595$45,807
12 years$109,596$96,954$85,598$75,437$66,376$37,533
13 years$100,128$87,618$76,477$66,599$57,881$30,907
14 years$92,019$79,643$68,715$59,119$50,738$25,552
15 years$84,998$72,755$62,040$52,724$44,674$21,193
16 years$78,861$66,751$56,248$47,209$39,483$17,625
17 years$73,451$61,475$51,184$42,417$35,008$14,689
18 years$68,648$56,806$46,724$38,226$31,128$12,264
19 years$64,355$52,647$42,774$34,540$27,745$10,255
20 years$60,497$48,922$39,256$31,283$24,782$8,585
21 years$57,010$45,569$36,108$28,391$22,177$7,194
22 years$53,845$42,537$33,279$25,814$19,879$6,034
23 years$50,959$39,784$30,727$23,510$17,844$5,065
24 years$48,317$37,275$28,417$21,442$16,039$4,254
25 years$45,891$34,981$26,320$19,582$14,433$3,574
26 years$43,655$32,876$24,411$17,905$13,000$3,005
27 years$41,588$30,941$22,667$16,389$11,721$2,527
28 years$39,672$29,155$21,072$15,016$10,576$2,125
29 years$37,892$27,505$19,610$13,770$9,550$1,788
30 years$36,233$25,975$18,266$12,637$8,629$1,505
31 years$34,684$24,555$17,028$11,606$7,801$1,266
32 years$33,235$23,234$15,888$10,666$7,057$1,066
33 years$31,877$22,003$14,835$9,809$6,386$898
34 years$30,602$20,854$13,861$9,025$5,782$756
35 years$29,401$19,780$12,959$8,308$5,237$636
36 years$28,271$18,774$12,122$7,651$4,745$536
37 years$27,203$17,831$11,346$7,050$4,301$451
38 years$26,195$16,946$10,625$6,498$3,899$380
39 years$25,240$16,114$9,955$5,991$3,536$320
40 years$24,335$15,331$9,331$5,526$3,207$270
41 years$23,477$14,593$8,749$5,099$2,909$227
42 years$22,662$13,898$8,207$4,705$2,640$191
43 years$21,887$13,242$7,701$4,344$2,396$161
44 years$21,149$12,623$7,229$4,011$2,175$136
45 years$20,446$12,037$6,788$3,704$1,974$114
46 years$19,775$11,483$6,375$3,421$1,793$96
47 years$19,135$10,958$5,989$3,161$1,628$81
48 years$18,524$10,461$5,628$2,921$1,478$68
49 years$17,939$9,990$5,290$2,699$1,343$58
50 years$17,379$9,542$4,974$2,495$1,220$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $17,800,000, adding $3,550 every year, while hoping to spend $28,888 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: 59/14/27 Blend
44$17,800,000$17,800,000$17,800,000$17,800,000
45$19,619,262$18,675,862$18,399,962$20,632,927
46$21,589,690$19,560,242$18,985,624$22,209,984
47$23,760,133$20,486,990$19,589,938$23,925,969
48$26,150,964$21,458,148$20,213,497$25,797,141
49$28,784,628$22,475,864$20,856,915$27,838,580
50$31,685,864$23,542,385$21,520,826$30,066,876
51$34,881,930$24,660,070$22,205,881$32,500,282
52$38,402,864$25,831,390$22,912,755$35,158,878
53$42,281,766$27,058,939$23,642,143$38,064,762
54$46,555,115$28,345,435$24,394,763$41,242,249
55$51,263,103$29,693,728$25,171,354$44,718,097
56$56,450,027$31,106,808$25,972,682$48,521,760
57$62,164,696$32,587,808$26,799,533$52,685,653
58$68,460,900$34,140,016$27,652,723$57,245,458
59$75,397,912$35,766,877$28,533,089$62,240,454
60$83,041,051$37,472,005$29,441,499$67,713,882
61$91,462,294$39,259,190$30,378,846$73,713,348
62$100,740,963$41,132,405$31,346,052$80,291,265
63$110,964,466$43,095,817$32,344,069$87,505,341
64$122,229,126$45,153,797$33,373,880$95,419,121
65$134,641,089$47,310,925$34,436,497$104,102,573
66$148,317,326$49,572,007$35,532,966$113,632,749
67$163,386,740$51,942,082$36,664,367$124,094,499
68$179,991,377$54,426,433$37,831,813$135,581,264
69$198,287,771$57,030,602$39,036,452$148,195,957
70$218,448,422$59,760,400$40,279,472$162,051,915
71$240,663,421$62,621,919$41,562,094$177,273,971
72$265,142,248$65,621,551$42,885,581$193,999,613
73$292,115,746$68,765,996$44,251,238$212,380,279
74$321,838,304$72,062,282$45,660,406$232,582,777
75$354,590,256$75,517,779$47,114,475$254,790,841
76$390,680,527$79,140,215$48,614,875$279,206,865
77$430,449,551$82,937,695$50,163,083$306,053,793
78$474,272,483$86,918,720$51,760,624$335,577,219
79$522,562,742$91,092,203$53,409,070$368,047,686
80$575,775,913$95,467,492$55,110,046$403,763,235
81$634,414,048$100,054,391$56,865,224$443,052,195
82$699,030,407$104,863,182$58,676,335$486,276,277
83$770,234,676$109,904,646$60,545,160$533,833,970
84$848,698,731$115,190,092$62,473,541$586,164,287
85$935,162,974$120,731,378$64,463,376$643,750,894
86$1,030,443,324$126,540,942$66,516,626$707,126,661
87$1,135,438,921$132,631,827$68,635,312$776,878,669
88$1,251,140,617$139,017,713$70,821,521$853,653,742
89$1,378,640,324$145,712,944$73,077,405$938,164,528
90$1,519,141,327$152,732,569$75,405,188$1,031,196,208
91$1,673,969,642$160,092,364$77,807,162$1,133,613,888
92$1,844,586,537$167,808,881$80,285,693$1,246,370,748
93$2,032,602,322$175,899,475$82,843,223$1,370,517,008
94$2,239,791,559$184,382,349$85,482,270$1,507,209,830
95$2,468,109,807$193,276,593$88,205,435$1,657,724,209
96$2,719,712,090$202,602,230$91,015,401$1,823,464,989
97$2,996,973,242$212,380,258$93,914,935$2,005,980,094
98$3,302,510,323$222,632,700$96,906,896$2,206,975,117
99$3,639,207,329$233,382,656$99,994,230$2,428,329,389
100$4,010,242,420$244,654,349$103,179,980$2,672,113,694