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

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 $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%12.7%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,427,059
2 years$739,941$726,160$712,805$699,855$687,295$670,926
3 years$488,394$474,554$461,232$448,404$436,048$420,078
4 years$362,645$348,847$335,659$323,050$310,993$295,545
5 years$287,216$273,501$260,485$248,133$236,412$221,531
6 years$236,946$223,334$210,510$198,434$187,065$172,770
7 years$201,052$187,555$174,935$163,144$152,134$138,430
8 years$174,145$160,770$148,359$136,857$126,210$113,096
9 years$153,228$139,979$127,782$116,572$106,287$93,758
10 years$136,504$123,384$111,403$100,486$90,562$78,610
11 years$122,830$109,842$98,077$87,453$77,886$66,501
12 years$111,443$98,588$87,041$76,708$67,494$56,664
13 years$101,815$89,095$77,765$67,722$58,856$48,568
14 years$93,570$80,985$69,873$60,116$51,593$41,831
15 years$86,431$73,981$63,086$53,613$45,427$36,177
16 years$80,190$67,876$57,196$48,004$40,148$31,394
17 years$74,689$62,512$52,046$43,132$35,598$27,323
18 years$69,805$57,763$47,512$38,870$31,652$23,839
19 years$65,440$53,535$43,495$35,123$28,212$20,843
20 years$61,516$49,747$39,917$31,810$25,200$18,258
21 years$57,971$46,337$36,716$28,870$22,551$16,019
22 years$54,752$43,254$33,840$26,249$20,214$14,073
23 years$51,818$40,455$31,245$23,906$18,145$12,379
24 years$49,132$37,903$28,896$21,803$16,309$10,900
25 years$46,665$35,571$26,764$19,912$14,676$9,607
26 years$44,391$33,431$24,822$18,207$13,219$8,474
27 years$42,289$31,462$23,049$16,665$11,918$7,479
28 years$40,341$29,647$21,427$15,269$10,754$6,606
29 years$38,530$27,968$19,940$14,002$9,711$5,837
30 years$36,844$26,413$18,573$12,850$8,774$5,161
31 years$35,269$24,969$17,315$11,802$7,933$4,565
32 years$33,796$23,626$16,156$10,846$7,176$4,039
33 years$32,414$22,374$15,085$9,974$6,494$3,575
34 years$31,117$21,205$14,094$9,177$5,880$3,165
35 years$29,897$20,113$13,177$8,448$5,325$2,803
36 years$28,747$19,090$12,327$7,780$4,825$2,483
37 years$27,662$18,131$11,538$7,168$4,373$2,199
38 years$26,636$17,231$10,805$6,607$3,965$1,949
39 years$25,665$16,385$10,123$6,092$3,595$1,727
40 years$24,746$15,589$9,488$5,619$3,261$1,531
41 years$23,873$14,839$8,897$5,184$2,959$1,357
42 years$23,044$14,133$8,345$4,785$2,685$1,203
43 years$22,256$13,465$7,831$4,417$2,436$1,067
44 years$21,505$12,835$7,351$4,078$2,212$946
45 years$20,790$12,240$6,902$3,766$2,008$839
46 years$20,109$11,676$6,483$3,479$1,823$744
47 years$19,458$11,143$6,090$3,214$1,655$660
48 years$18,836$10,637$5,723$2,970$1,503$585
49 years$18,241$10,158$5,379$2,745$1,365$519
50 years$17,672$9,703$5,058$2,537$1,240$460

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 $6,523 every year, while hoping to spend $48,516 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: 73/21/6 Blend
44$18,100,000$18,100,000$18,100,000$18,100,000
45$19,952,928$18,993,628$18,713,078$21,395,253
46$21,936,507$19,872,696$19,288,346$23,225,347
47$24,120,783$20,793,211$19,881,259$25,222,198
48$26,526,179$21,757,154$20,492,357$27,407,630
49$29,175,196$22,766,601$21,122,197$29,800,235
50$32,092,627$23,823,726$21,771,352$32,420,475
51$35,305,795$24,930,809$22,440,413$35,290,868
52$38,844,808$26,090,240$23,129,988$38,436,199
53$42,742,842$27,304,525$23,840,706$41,883,747
54$47,036,454$28,576,289$24,573,212$45,663,542
55$51,765,932$29,908,286$25,328,174$49,808,638
56$56,975,666$31,303,402$26,106,277$54,355,428
57$62,714,576$32,764,660$26,908,229$59,343,973
58$69,036,567$34,295,233$27,734,759$64,818,384
59$76,001,042$35,898,445$28,586,619$70,827,226
60$83,673,461$37,577,781$29,464,583$77,423,974
61$92,125,956$39,336,894$30,369,449$84,667,512
62$101,438,016$41,179,615$31,302,038$92,622,679
63$111,697,235$43,109,958$32,263,198$101,360,879
64$123,000,140$45,132,133$33,253,802$110,960,745
65$135,453,100$47,250,552$34,274,749$121,508,875
66$149,173,330$49,469,843$35,326,967$133,100,642
67$164,290,000$51,794,856$36,411,411$145,841,084
68$180,945,451$54,230,675$37,529,065$159,845,891
69$199,296,542$56,782,633$38,680,943$175,242,487
70$219,516,125$59,456,318$39,868,091$192,171,223
71$241,794,684$62,257,591$41,091,585$210,786,690
72$266,342,124$65,192,596$42,352,536$231,259,173
73$293,389,761$68,267,773$43,652,087$253,776,248
74$323,192,500$71,489,878$44,991,415$278,544,535
75$356,031,244$74,865,991$46,371,737$305,791,645
76$392,215,543$78,403,536$47,794,302$335,768,311
77$432,086,517$82,110,299$49,260,400$368,750,748
78$476,020,078$85,994,439$50,771,359$405,043,242
79$524,430,475$90,064,516$52,328,549$444,981,009
80$577,774,208$94,329,501$53,933,379$488,933,350
81$636,554,334$98,798,804$55,587,304$537,307,117
82$701,325,218$103,482,287$57,291,821$590,550,542
83$772,697,766$108,390,295$59,048,473$649,157,448
84$851,345,191$113,533,673$60,858,850$713,671,896
85$938,009,370$118,923,792$62,724,590$784,693,304
86$1,033,507,844$124,572,576$64,647,383$862,882,083
87$1,138,741,541$130,492,529$66,628,967$948,965,854
88$1,254,703,276$136,696,760$68,671,134$1,043,746,299
89$1,382,487,125$143,199,017$70,775,733$1,148,106,702
90$1,523,298,757$150,013,713$72,944,665$1,263,020,268
91$1,678,466,810$157,155,966$75,179,891$1,389,559,285
92$1,849,455,440$164,641,623$77,483,432$1,528,905,226
93$2,037,878,138$172,487,306$79,857,370$1,682,359,870
94$2,245,512,965$180,710,441$82,303,850$1,851,357,571
95$2,474,319,340$189,329,305$84,825,081$2,037,478,763
96$2,726,456,533$198,363,061$87,423,341$2,242,464,858
97$3,004,304,052$207,831,804$90,100,977$2,468,234,648
98$3,310,484,111$217,756,608$92,860,405$2,716,902,392
99$3,647,886,379$228,159,570$95,704,117$2,990,797,735
100$4,019,695,264$239,063,864$98,634,679$3,292,487,672