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

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,411,635
2 years$727,677$714,125$700,990$688,256$675,903$668,072
3 years$480,299$466,688$453,587$440,972$428,821$421,161
4 years$356,634$343,065$330,095$317,696$305,839$298,410
5 years$282,455$268,967$256,167$244,021$232,494$225,318
6 years$233,018$219,632$207,021$195,145$183,964$177,052
7 years$197,720$184,447$172,036$160,440$149,612$142,965
8 years$171,259$158,105$145,900$134,589$124,118$117,737
9 years$150,688$137,659$125,664$114,640$104,525$98,409
10 years$134,242$121,339$109,556$98,821$89,061$83,206
11 years$120,794$108,021$96,452$86,004$76,595$70,998
12 years$109,596$96,954$85,598$75,437$66,376$61,032
13 years$100,128$87,618$76,477$66,599$57,881$52,785
14 years$92,019$79,643$68,715$59,119$50,738$45,885
15 years$84,998$72,755$62,040$52,724$44,674$40,056
16 years$78,861$66,751$56,248$47,209$39,483$35,095
17 years$73,451$61,475$51,184$42,417$35,008$30,843
18 years$68,648$56,806$46,724$38,226$31,128$27,178
19 years$64,355$52,647$42,774$34,540$27,745$24,003
20 years$60,497$48,922$39,256$31,283$24,782$21,242
21 years$57,010$45,569$36,108$28,391$22,177$18,831
22 years$53,845$42,537$33,279$25,814$19,879$16,718
23 years$50,959$39,784$30,727$23,510$17,844$14,863
24 years$48,317$37,275$28,417$21,442$16,039$13,229
25 years$45,891$34,981$26,320$19,582$14,433$11,786
26 years$43,655$32,876$24,411$17,905$13,000$10,511
27 years$41,588$30,941$22,667$16,389$11,721$9,381
28 years$39,672$29,155$21,072$15,016$10,576$8,379
29 years$37,892$27,505$19,610$13,770$9,550$7,488
30 years$36,233$25,975$18,266$12,637$8,629$6,696
31 years$34,684$24,555$17,028$11,606$7,801$5,990
32 years$33,235$23,234$15,888$10,666$7,057$5,362
33 years$31,877$22,003$14,835$9,809$6,386$4,801
34 years$30,602$20,854$13,861$9,025$5,782$4,300
35 years$29,401$19,780$12,959$8,308$5,237$3,853
36 years$28,271$18,774$12,122$7,651$4,745$3,454
37 years$27,203$17,831$11,346$7,050$4,301$3,096
38 years$26,195$16,946$10,625$6,498$3,899$2,776
39 years$25,240$16,114$9,955$5,991$3,536$2,490
40 years$24,335$15,331$9,331$5,526$3,207$2,234
41 years$23,477$14,593$8,749$5,099$2,909$2,004
42 years$22,662$13,898$8,207$4,705$2,640$1,798
43 years$21,887$13,242$7,701$4,344$2,396$1,614
44 years$21,149$12,623$7,229$4,011$2,175$1,449
45 years$20,446$12,037$6,788$3,704$1,974$1,300
46 years$19,775$11,483$6,375$3,421$1,793$1,167
47 years$19,135$10,958$5,989$3,161$1,628$1,048
48 years$18,524$10,461$5,628$2,921$1,478$941
49 years$17,939$9,990$5,290$2,699$1,343$845
50 years$17,379$9,542$4,974$2,495$1,220$759

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 $3,873 every year, while hoping to spend $51,621 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: 86/7/7 Blend
44$17,800,000$17,800,000$17,800,000$17,800,000
45$19,619,595$18,676,195$18,400,295$21,296,071
46$21,565,869$19,536,404$18,961,781$23,249,889
47$23,708,934$20,437,034$19,540,346$25,389,065
48$26,068,806$21,380,009$20,136,508$27,738,102
49$28,667,544$22,367,350$20,750,801$30,318,092
50$31,529,455$23,401,171$21,383,774$33,152,265
51$34,681,322$24,483,691$22,035,994$36,266,210
52$38,152,659$25,617,234$22,708,042$39,688,110
53$41,975,988$26,804,237$23,400,519$43,449,010
54$46,187,148$28,047,253$24,114,046$47,583,106
55$50,825,629$29,348,960$24,849,257$52,128,067
56$55,934,947$30,712,164$25,606,812$57,125,389
57$61,563,057$32,139,805$26,387,385$62,620,784
58$67,762,800$33,634,967$27,191,674$68,664,608
59$74,592,407$35,200,881$28,020,396$75,312,337
60$82,116,044$36,840,936$28,874,292$82,625,085
61$90,404,422$38,558,684$29,754,122$90,670,182
62$99,535,459$40,357,845$30,660,671$99,521,803
63$109,595,021$42,242,324$31,594,748$109,261,669
64$120,677,726$44,216,212$32,557,185$119,979,815
65$132,887,844$46,283,796$33,548,841$131,775,434
66$146,340,275$48,449,573$34,570,598$144,757,816
67$161,161,637$50,718,255$35,623,367$159,047,370
68$177,491,459$53,094,785$36,708,085$174,776,762
69$195,483,500$55,584,342$37,825,718$192,092,162
70$215,307,199$58,192,357$38,977,262$211,154,623
71$237,149,273$60,924,522$40,163,740$232,141,593
72$261,215,482$63,786,807$41,386,208$255,248,589
73$287,732,569$66,785,468$42,645,754$280,691,038
74$316,950,402$69,927,067$43,943,498$308,706,310
75$349,144,331$73,218,481$45,280,593$339,555,946
76$384,617,788$76,666,922$46,658,228$373,528,132
77$423,705,151$80,279,949$48,077,627$410,940,409
78$466,774,899$84,065,490$49,540,050$452,142,665
79$514,233,095$88,031,855$51,046,797$497,520,438
80$566,527,211$92,187,757$52,599,206$547,498,545
81$624,150,361$96,542,331$54,198,654$602,545,090
82$687,645,950$101,105,158$55,846,561$663,175,875
83$757,612,805$105,886,278$57,544,389$729,959,264
84$834,710,829$110,896,223$59,293,644$803,521,542
85$919,667,229$116,146,034$61,095,876$884,552,823
86$1,013,283,382$121,647,285$62,952,684$973,813,554
87$1,116,442,401$127,412,116$64,865,713$1,072,141,688
88$1,230,117,469$133,453,254$66,836,658$1,180,460,590
89$1,355,381,030$139,784,042$68,867,264$1,299,787,741
90$1,493,414,909$146,418,473$70,959,331$1,431,244,339
91$1,645,521,471$153,371,220$73,114,710$1,576,065,874
92$1,813,135,917$160,657,666$75,335,309$1,735,613,783
93$1,997,839,831$168,293,942$77,623,093$1,911,388,292
94$2,201,376,112$176,296,964$79,980,085$2,105,042,569
95$2,425,665,427$184,684,466$82,408,369$2,318,398,324
96$2,672,824,345$193,475,049$84,910,093$2,553,462,993
97$2,945,185,314$202,688,213$87,487,468$2,812,448,676
98$3,245,318,689$212,344,408$90,142,771$3,097,793,017
99$3,576,056,989$222,465,077$92,878,347$3,412,182,196
100$3,940,521,642$233,072,707$95,696,612$3,758,576,280