Can I retire at age 45 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,494,915
2 years$776,734$762,268$748,248$734,655$721,470$701,180
3 years$512,679$498,150$484,166$470,701$457,730$437,952
4 years$380,677$366,193$352,349$339,113$326,457$307,343
5 years$301,497$287,100$273,437$260,471$248,167$229,773
6 years$248,727$234,439$220,978$208,301$196,366$178,714
7 years$211,050$196,881$183,634$171,256$159,698$142,794
8 years$182,804$168,764$155,736$143,662$132,485$116,328
9 years$160,847$146,939$134,135$122,368$111,572$96,153
10 years$143,292$129,520$116,942$105,483$95,065$80,374
11 years$128,937$115,304$102,954$91,802$81,759$67,782
12 years$116,984$103,490$91,369$80,522$70,850$57,572
13 years$106,878$93,525$81,632$71,089$61,783$49,186
14 years$98,223$85,012$73,347$63,105$54,159$42,223
15 years$90,728$77,660$66,222$56,279$47,686$36,392
16 years$84,177$71,251$60,040$50,391$42,145$31,471
17 years$78,403$65,620$54,634$45,276$37,368$27,294
18 years$73,276$60,636$49,874$40,803$33,226$23,728
19 years$68,694$56,197$45,657$36,869$29,615$20,672
20 years$64,575$52,221$41,902$33,392$26,453$18,041
21 years$60,853$48,641$38,542$30,305$23,672$15,769
22 years$57,475$45,405$35,522$27,554$21,219$13,802
23 years$54,394$42,466$32,798$25,094$19,047$12,094
24 years$51,575$39,788$30,333$22,888$17,120$10,608
25 years$48,985$37,339$28,094$20,902$15,406$9,312
26 years$46,598$35,093$26,056$19,112$13,877$8,181
27 years$44,392$33,026$24,195$17,494$12,511$7,193
28 years$42,347$31,121$22,493$16,028$11,289$6,327
29 years$40,446$29,359$20,931$14,698$10,194$5,568
30 years$38,676$27,726$19,497$13,489$9,211$4,903
31 years$37,023$26,211$18,176$12,389$8,327$4,319
32 years$35,476$24,800$16,959$11,385$7,533$3,805
33 years$34,026$23,486$15,835$10,470$6,817$3,354
34 years$32,665$22,260$14,795$9,633$6,172$2,957
35 years$31,384$21,113$13,832$8,868$5,590$2,608
36 years$30,176$20,039$12,940$8,167$5,065$2,300
37 years$29,037$19,033$12,111$7,525$4,591$2,029
38 years$27,961$18,088$11,342$6,936$4,162$1,790
39 years$26,942$17,200$10,626$6,395$3,774$1,580
40 years$25,976$16,364$9,960$5,899$3,423$1,394
41 years$25,060$15,577$9,339$5,442$3,106$1,231
42 years$24,190$14,835$8,760$5,023$2,818$1,086
43 years$23,362$14,135$8,220$4,636$2,558$959
44 years$22,575$13,474$7,716$4,281$2,321$847
45 years$21,824$12,848$7,245$3,954$2,107$748
46 years$21,108$12,257$6,805$3,652$1,913$660
47 years$20,425$11,697$6,393$3,374$1,738$583
48 years$19,772$11,166$6,008$3,118$1,578$515
49 years$19,148$10,663$5,647$2,881$1,433$455
50 years$18,551$10,186$5,309$2,663$1,302$402

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $19,000,000, adding $2,754 every year, while hoping to spend $29,639 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: 51/21/28 Blend
44$19,000,000$19,000,000$19,000,000$19,000,000
45$20,940,841$19,933,841$19,639,341$21,843,426
46$23,045,271$20,879,063$20,265,723$23,418,108
47$25,363,359$21,869,608$20,912,096$25,126,246
48$27,916,868$22,907,665$21,579,097$26,983,133
49$30,729,778$23,995,530$22,267,386$29,002,943
50$33,828,515$25,135,611$22,977,643$31,201,255
51$37,242,198$26,330,430$23,710,568$33,595,195
52$41,002,917$27,582,636$24,466,887$36,203,589
53$45,146,032$28,895,003$25,247,346$39,047,139
54$49,710,511$30,270,442$26,052,716$42,148,609
55$54,739,294$31,712,004$26,883,792$45,533,036
56$60,279,699$33,222,890$27,741,397$49,227,955
57$66,383,872$34,806,454$28,626,376$53,263,658
58$73,109,272$36,466,216$29,539,606$57,673,467
59$80,519,222$38,205,865$30,481,987$62,494,044
60$88,683,500$40,029,270$31,454,451$67,765,728
61$97,679,002$41,940,488$32,457,959$73,532,907
62$107,590,462$43,943,775$33,493,503$79,844,429
63$118,511,260$46,043,590$34,562,106$86,754,054
64$130,544,296$48,244,614$35,664,825$94,320,949
65$143,802,966$50,551,752$36,802,748$102,610,243
66$158,412,230$52,970,149$37,977,001$111,693,624
67$174,509,791$55,505,200$39,188,744$121,650,008
68$192,247,398$58,162,563$40,439,176$132,566,275
69$211,792,276$60,948,172$41,729,531$144,538,073
70$233,328,704$63,868,248$43,061,087$157,670,711
71$257,059,757$66,929,317$44,435,158$172,080,139
72$283,209,220$70,138,222$45,853,104$187,894,030
73$312,023,704$73,502,138$47,316,326$205,252,969
74$343,774,970$77,028,590$48,826,271$224,311,770
75$378,762,497$80,725,472$50,384,431$245,240,917
76$417,316,311$84,601,059$51,992,349$268,228,159
77$459,800,095$88,664,031$53,651,612$293,480,265
78$506,614,626$92,923,490$55,363,863$321,224,962
79$558,201,560$97,388,983$57,130,795$351,713,061
80$615,047,597$102,070,521$58,954,154$385,220,808
81$677,689,078$106,978,603$60,835,745$422,052,474
82$746,717,049$112,124,239$62,777,427$462,543,201
83$822,782,839$117,518,978$64,781,122$507,062,150
84$906,604,210$123,174,929$66,848,811$556,015,959
85$998,972,133$129,104,794$68,982,539$609,852,558
86$1,100,758,254$135,321,893$71,184,418$669,065,377
87$1,212,923,125$141,840,195$73,456,625$734,197,972
88$1,336,525,270$148,674,350$75,801,408$805,849,133
89$1,472,731,179$155,839,725$78,221,087$884,678,507
90$1,622,826,321$163,352,434$80,718,056$971,412,797
91$1,788,227,280$171,229,377$83,294,784$1,066,852,588
92$1,970,495,125$179,488,280$85,953,823$1,171,879,876
93$2,171,350,154$188,147,732$88,697,802$1,287,466,359
94$2,392,688,129$197,227,229$91,529,437$1,414,682,575
95$2,636,598,174$206,747,220$94,451,530$1,554,707,968
96$2,905,382,504$216,729,150$97,466,972$1,708,841,991
97$3,201,578,153$227,195,511$100,578,748$1,878,516,325
98$3,527,980,926$238,169,893$103,789,938$2,065,308,359
99$3,887,671,798$249,677,036$107,103,719$2,270,956,031
100$4,284,046,000$261,742,889$110,523,372$2,497,374,194