Can I retire at age 45 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,396,559
2 years$739,941$726,160$712,805$699,855$687,295$640,623
3 years$488,394$474,554$461,232$448,404$436,048$390,930
4 years$362,645$348,847$335,659$323,050$310,993$267,774
5 years$287,216$273,501$260,485$248,133$236,412$195,208
6 years$236,946$223,334$210,510$198,434$187,065$147,910
7 years$201,052$187,555$174,935$163,144$152,134$115,023
8 years$174,145$160,770$148,359$136,857$126,210$91,118
9 years$153,228$139,979$127,782$116,572$106,287$73,172
10 years$136,504$123,384$111,403$100,486$90,562$59,374
11 years$122,830$109,842$98,077$87,453$77,886$48,567
12 years$111,443$98,588$87,041$76,708$67,494$39,980
13 years$101,815$89,095$77,765$67,722$58,856$33,079
14 years$93,570$80,985$69,873$60,116$51,593$27,482
15 years$86,431$73,981$63,086$53,613$45,427$22,907
16 years$80,190$67,876$57,196$48,004$40,148$19,147
17 years$74,689$62,512$52,046$43,132$35,598$16,040
18 years$69,805$57,763$47,512$38,870$31,652$13,462
19 years$65,440$53,535$43,495$35,123$28,212$11,316
20 years$61,516$49,747$39,917$31,810$25,200$9,525
21 years$57,971$46,337$36,716$28,870$22,551$8,025
22 years$54,752$43,254$33,840$26,249$20,214$6,768
23 years$51,818$40,455$31,245$23,906$18,145$5,712
24 years$49,132$37,903$28,896$21,803$16,309$4,824
25 years$46,665$35,571$26,764$19,912$14,676$4,076
26 years$44,391$33,431$24,822$18,207$13,219$3,446
27 years$42,289$31,462$23,049$16,665$11,918$2,914
28 years$40,341$29,647$21,427$15,269$10,754$2,465
29 years$38,530$27,968$19,940$14,002$9,711$2,086
30 years$36,844$26,413$18,573$12,850$8,774$1,766
31 years$35,269$24,969$17,315$11,802$7,933$1,495
32 years$33,796$23,626$16,156$10,846$7,176$1,266
33 years$32,414$22,374$15,085$9,974$6,494$1,072
34 years$31,117$21,205$14,094$9,177$5,880$908
35 years$29,897$20,113$13,177$8,448$5,325$769
36 years$28,747$19,090$12,327$7,780$4,825$651
37 years$27,662$18,131$11,538$7,168$4,373$552
38 years$26,636$17,231$10,805$6,607$3,965$467
39 years$25,665$16,385$10,123$6,092$3,595$396
40 years$24,746$15,589$9,488$5,619$3,261$335
41 years$23,873$14,839$8,897$5,184$2,959$284
42 years$23,044$14,133$8,345$4,785$2,685$241
43 years$22,256$13,465$7,831$4,417$2,436$204
44 years$21,505$12,835$7,351$4,078$2,212$173
45 years$20,790$12,240$6,902$3,766$2,008$147
46 years$20,109$11,676$6,483$3,479$1,823$124
47 years$19,458$11,143$6,090$3,214$1,655$105
48 years$18,836$10,637$5,723$2,970$1,503$89
49 years$18,241$10,158$5,379$2,745$1,365$76
50 years$17,672$9,703$5,058$2,537$1,240$64

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $18,100,000, adding $6,103 every year, while hoping to spend $35,180 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: 84/11/5 Blend
44$18,100,000$18,100,000$18,100,000$18,100,000
45$19,952,495$18,993,195$18,712,645$21,627,643
46$21,950,219$19,886,431$19,302,088$23,614,480
47$24,150,530$20,822,255$19,910,097$25,790,778
48$26,574,058$21,802,719$20,537,259$28,179,846
49$29,243,531$22,829,971$21,184,176$30,803,004
50$32,183,996$23,906,265$21,851,471$33,683,730
51$35,423,053$25,033,962$22,539,785$36,847,878
52$38,991,118$26,215,539$23,249,781$40,323,923
53$42,921,705$27,453,594$23,982,142$44,143,225
54$47,251,747$28,750,848$24,737,571$48,340,321
55$52,021,942$30,110,156$25,516,797$52,953,252
56$57,277,138$31,534,512$26,320,568$58,023,918
57$63,066,757$33,027,053$27,149,657$63,598,468
58$69,445,258$34,591,071$28,004,862$69,727,738
59$76,472,655$36,230,014$28,887,006$76,467,720
60$84,215,082$37,947,501$29,796,938$83,880,095
61$92,745,417$39,747,325$30,735,531$92,032,808
62$102,143,968$41,633,463$31,703,690$101,000,704
63$112,499,235$43,610,085$32,702,346$110,866,235
64$123,908,742$45,681,564$33,732,459$121,720,232
65$136,479,958$47,852,484$34,795,021$133,662,756
66$150,331,312$50,127,654$35,891,052$146,804,044
67$165,593,312$52,512,115$37,021,609$161,265,540
68$182,409,774$55,011,154$38,187,777$177,181,038
69$200,939,182$57,630,312$39,390,679$194,697,942
70$221,356,185$60,375,403$40,631,473$213,978,650
71$243,853,239$63,252,521$41,911,350$235,202,082
72$268,642,433$66,268,058$43,231,544$258,565,364
73$295,957,483$69,428,715$44,593,323$284,285,683
74$326,055,945$72,741,520$45,997,998$312,602,330
75$359,221,640$76,213,843$47,446,919$343,778,956
76$395,767,337$79,853,412$48,941,481$378,106,047
77$436,037,706$83,668,329$50,483,121$415,903,667
78$480,412,568$87,667,094$52,073,322$457,524,467
79$529,310,486$91,858,618$53,713,614$503,357,008
80$583,192,710$96,252,244$55,405,575$553,829,423
81$642,567,537$100,857,774$57,150,832$609,413,444
82$707,995,104$105,685,484$58,951,063$670,628,855
83$780,092,683$110,746,151$60,808,002$738,048,383
84$859,540,499$116,051,075$62,723,433$812,303,098
85$947,088,162$121,612,109$64,699,200$894,088,359
86$1,043,561,734$127,441,682$66,737,202$984,170,369
87$1,149,871,533$133,552,827$68,839,401$1,083,393,399
88$1,267,020,727$139,959,213$71,007,818$1,192,687,740
89$1,396,114,801$146,675,174$73,244,540$1,313,078,482
90$1,538,371,996$153,715,743$75,551,718$1,445,695,172
91$1,695,134,810$161,096,685$77,931,571$1,591,782,468
92$1,867,882,670$168,834,532$80,386,388$1,752,711,872
93$2,058,245,902$176,946,624$82,918,531$1,929,994,666
94$2,268,021,118$185,451,142$85,530,436$2,125,296,164
95$2,499,188,181$194,367,157$88,224,615$2,340,451,417
96$2,753,928,895$203,714,668$91,003,659$2,577,482,517
97$3,034,647,603$213,514,647$93,870,242$2,838,617,677
98$3,343,993,885$223,789,091$96,827,122$3,126,312,240
99$3,684,887,573$234,561,069$99,877,142$3,443,271,846
100$4,060,546,316$245,854,771$103,023,237$3,792,477,951