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%13%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,401,660
2 years$727,677$714,125$700,990$688,256$675,903$658,056
3 years$480,299$466,688$453,587$440,972$428,821$411,418
4 years$356,634$343,065$330,095$317,696$305,839$289,014
5 years$282,455$268,967$256,167$244,021$232,494$216,297
6 years$233,018$219,632$207,021$195,145$183,964$168,414
7 years$197,720$184,447$172,036$160,440$149,612$134,715
8 years$171,259$158,105$145,900$134,589$124,118$109,872
9 years$150,688$137,659$125,664$114,640$104,525$90,924
10 years$134,242$121,339$109,556$98,821$89,061$76,096
11 years$120,794$108,021$96,452$86,004$76,595$64,254
12 years$109,596$96,954$85,598$75,437$66,376$54,645
13 years$100,128$87,618$76,477$66,599$57,881$46,746
14 years$92,019$79,643$68,715$59,119$50,738$40,182
15 years$84,998$72,755$62,040$52,724$44,674$34,680
16 years$78,861$66,751$56,248$47,209$39,483$30,032
17 years$73,451$61,475$51,184$42,417$35,008$26,083
18 years$68,648$56,806$46,724$38,226$31,128$22,708
19 years$64,355$52,647$42,774$34,540$27,745$19,812
20 years$60,497$48,922$39,256$31,283$24,782$17,316
21 years$57,010$45,569$36,108$28,391$22,177$15,158
22 years$53,845$42,537$33,279$25,814$19,879$13,287
23 years$50,959$39,784$30,727$23,510$17,844$11,661
24 years$48,317$37,275$28,417$21,442$16,039$10,244
25 years$45,891$34,981$26,320$19,582$14,433$9,007
26 years$43,655$32,876$24,411$17,905$13,000$7,926
27 years$41,588$30,941$22,667$16,389$11,721$6,979
28 years$39,672$29,155$21,072$15,016$10,576$6,149
29 years$37,892$27,505$19,610$13,770$9,550$5,421
30 years$36,233$25,975$18,266$12,637$8,629$4,781
31 years$34,684$24,555$17,028$11,606$7,801$4,218
32 years$33,235$23,234$15,888$10,666$7,057$3,723
33 years$31,877$22,003$14,835$9,809$6,386$3,287
34 years$30,602$20,854$13,861$9,025$5,782$2,903
35 years$29,401$19,780$12,959$8,308$5,237$2,564
36 years$28,271$18,774$12,122$7,651$4,745$2,265
37 years$27,203$17,831$11,346$7,050$4,301$2,002
38 years$26,195$16,946$10,625$6,498$3,899$1,769
39 years$25,240$16,114$9,955$5,991$3,536$1,564
40 years$24,335$15,331$9,331$5,526$3,207$1,383
41 years$23,477$14,593$8,749$5,099$2,909$1,223
42 years$22,662$13,898$8,207$4,705$2,640$1,081
43 years$21,887$13,242$7,701$4,344$2,396$956
44 years$21,149$12,623$7,229$4,011$2,175$846
45 years$20,446$12,037$6,788$3,704$1,974$748
46 years$19,775$11,483$6,375$3,421$1,793$662
47 years$19,135$10,958$5,989$3,161$1,628$585
48 years$18,524$10,461$5,628$2,921$1,478$518
49 years$17,939$9,990$5,290$2,699$1,343$458
50 years$17,379$9,542$4,974$2,495$1,220$405

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 $5,526 every year, while hoping to spend $25,974 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: 50/45/5 Blend
44$17,800,000$17,800,000$17,800,000$17,800,000
45$19,621,300$18,677,900$18,402,000$20,578,736
46$21,595,037$19,565,481$18,990,831$22,118,167
47$23,769,224$20,495,683$19,598,517$23,786,713
48$26,164,280$21,470,567$20,225,663$25,599,058
49$28,802,705$22,492,294$20,872,892$27,568,651
50$31,709,295$23,563,130$21,540,847$29,710,258
51$34,911,371$24,685,451$22,230,194$32,040,090
52$38,439,043$25,861,750$22,941,617$34,575,947
53$42,325,488$27,094,639$23,675,824$37,337,382
54$46,607,269$28,386,858$24,433,546$40,345,872
55$51,324,677$29,741,279$25,215,535$43,625,011
56$56,522,109$31,160,917$26,022,570$47,200,725
57$62,248,492$32,648,930$26,855,454$51,101,506
58$68,557,741$34,208,631$27,715,015$55,358,669
59$75,509,271$35,843,494$28,602,109$60,006,634
60$83,168,554$37,557,162$29,517,617$65,083,243
61$91,607,740$39,353,457$30,462,451$70,630,100
62$100,906,337$41,236,384$31,437,550$76,692,954
63$111,151,961$43,210,144$32,443,886$83,322,116
64$122,441,164$45,279,144$33,482,458$90,572,916
65$134,880,344$47,448,003$34,554,302$98,506,215
66$148,586,751$49,721,567$35,660,483$107,188,961
67$163,689,592$52,104,917$36,802,103$116,694,801
68$180,331,254$54,603,382$37,980,297$127,104,765
69$198,668,643$57,222,549$39,196,238$138,508,007
70$218,874,670$59,968,278$40,451,136$151,002,628
71$241,139,878$62,846,716$41,746,242$164,696,586
72$265,674,248$65,864,307$43,082,842$179,708,688
73$292,709,173$69,027,810$44,462,270$196,169,691
74$322,499,650$72,344,314$45,885,897$214,223,515
75$355,326,680$75,821,251$47,355,141$234,028,576
76$391,499,928$79,466,419$48,871,464$255,759,253
77$431,360,640$83,287,993$50,436,377$279,607,511
78$475,284,867$87,294,547$52,051,438$305,784,682
79$523,687,017$91,495,073$53,718,255$334,523,434
80$577,023,764$95,899,003$55,438,488$366,079,930
81$635,798,361$100,516,226$57,213,850$400,736,222
82$700,565,388$105,357,116$59,046,108$438,802,870
83$771,935,994$110,432,551$60,937,089$480,621,848
84$850,583,658$115,753,939$62,888,675$526,569,726
85$937,250,556$121,333,247$64,902,810$577,061,190
86$1,032,754,559$127,183,022$66,981,500$632,552,917
87$1,137,996,961$133,316,427$69,126,817$693,547,838
88$1,253,970,983$139,747,264$71,340,897$760,599,845
89$1,381,771,152$146,490,009$73,625,947$834,318,971
90$1,522,603,636$153,559,845$75,984,242$915,377,097
91$1,677,797,625$160,972,696$78,418,132$1,004,514,247
92$1,848,817,886$168,745,262$80,930,043$1,102,545,517
93$2,037,278,589$176,895,057$83,522,478$1,210,368,710
94$2,244,958,543$185,440,453$86,198,019$1,328,972,757
95$2,473,817,995$194,400,716$88,959,333$1,459,446,986
96$2,726,017,132$203,796,053$91,809,173$1,602,991,342
97$3,003,936,477$213,647,657$94,750,377$1,760,927,644
98$3,310,199,361$223,977,756$97,785,878$1,934,711,992
99$3,647,696,693$234,809,662$100,918,702$2,125,948,439
100$4,019,614,247$246,167,828$104,151,970$2,336,404,049