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

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 $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%19.9%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,454,974
2 years$776,734$762,268$748,248$734,655$721,470$661,652
3 years$512,679$498,150$484,166$470,701$457,730$400,092
4 years$380,677$366,193$352,349$339,113$326,457$271,436
5 years$301,497$287,100$273,437$260,471$248,167$195,904
6 years$248,727$234,439$220,978$208,301$196,366$146,894
7 years$211,050$196,881$183,634$171,256$159,698$112,999
8 years$182,804$168,764$155,736$143,662$132,485$88,511
9 years$160,847$146,939$134,135$122,368$111,572$70,256
10 years$143,292$129,520$116,942$105,483$95,065$56,327
11 years$128,937$115,304$102,954$91,802$81,759$45,509
12 years$116,984$103,490$91,369$80,522$70,850$36,991
13 years$106,878$93,525$81,632$71,089$61,783$30,211
14 years$98,223$85,012$73,347$63,105$54,159$24,768
15 years$90,728$77,660$66,222$56,279$47,686$20,368
16 years$84,177$71,251$60,040$50,391$42,145$16,791
17 years$78,403$65,620$54,634$45,276$37,368$13,871
18 years$73,276$60,636$49,874$40,803$33,226$11,477
19 years$68,694$56,197$45,657$36,869$29,615$9,510
20 years$64,575$52,221$41,902$33,392$26,453$7,889
21 years$60,853$48,641$38,542$30,305$23,672$6,550
22 years$57,475$45,405$35,522$27,554$21,219$5,442
23 years$54,394$42,466$32,798$25,094$19,047$4,525
24 years$51,575$39,788$30,333$22,888$17,120$3,764
25 years$48,985$37,339$28,094$20,902$15,406$3,133
26 years$46,598$35,093$26,056$19,112$13,877$2,608
27 years$44,392$33,026$24,195$17,494$12,511$2,172
28 years$42,347$31,121$22,493$16,028$11,289$1,809
29 years$40,446$29,359$20,931$14,698$10,194$1,507
30 years$38,676$27,726$19,497$13,489$9,211$1,256
31 years$37,023$26,211$18,176$12,389$8,327$1,047
32 years$35,476$24,800$16,959$11,385$7,533$873
33 years$34,026$23,486$15,835$10,470$6,817$727
34 years$32,665$22,260$14,795$9,633$6,172$606
35 years$31,384$21,113$13,832$8,868$5,590$506
36 years$30,176$20,039$12,940$8,167$5,065$422
37 years$29,037$19,033$12,111$7,525$4,591$352
38 years$27,961$18,088$11,342$6,936$4,162$293
39 years$26,942$17,200$10,626$6,395$3,774$244
40 years$25,976$16,364$9,960$5,899$3,423$204
41 years$25,060$15,577$9,339$5,442$3,106$170
42 years$24,190$14,835$8,760$5,023$2,818$142
43 years$23,362$14,135$8,220$4,636$2,558$118
44 years$22,575$13,474$7,716$4,281$2,321$99
45 years$21,824$12,848$7,245$3,954$2,107$82
46 years$21,108$12,257$6,805$3,652$1,913$69
47 years$20,425$11,697$6,393$3,374$1,738$57
48 years$19,772$11,166$6,008$3,118$1,578$48
49 years$19,148$10,663$5,647$2,881$1,433$40
50 years$18,551$10,186$5,309$2,663$1,302$33

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 $4,373 every year, while hoping to spend $48,890 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: 64/25/11 Blend
44$19,000,000$19,000,000$19,000,000$19,000,000
45$20,942,511$19,935,511$19,641,011$22,230,944
46$23,026,628$20,860,332$20,246,966$24,016,844
47$25,321,687$21,828,831$20,871,582$25,960,634
48$27,849,152$22,843,097$21,515,433$28,082,529
49$30,632,675$23,905,318$22,179,109$30,399,851
50$33,698,318$25,017,789$22,863,220$32,931,653
51$37,074,803$26,182,916$23,568,394$35,698,893
52$40,793,775$27,403,222$24,295,277$38,724,626
53$44,890,108$28,681,348$25,044,538$42,034,217
54$49,402,232$30,020,067$25,816,863$45,655,573
55$54,372,493$31,422,283$26,612,960$49,619,405
56$59,847,554$32,891,042$27,433,561$53,959,503
57$65,878,836$34,429,535$28,279,417$58,713,059
58$72,523,005$36,041,110$29,151,305$63,921,002
59$79,842,501$37,729,274$30,050,024$69,628,381
60$87,906,134$39,497,706$30,976,398$75,884,785
61$96,789,728$41,350,262$31,931,275$82,744,800
62$106,576,840$43,290,984$32,915,532$90,268,515
63$117,359,545$45,324,110$33,930,070$98,522,085
64$129,239,310$47,454,082$34,975,819$107,578,343
65$142,327,947$49,685,560$36,053,736$117,517,478
66$156,748,672$52,023,427$37,164,811$128,427,784
67$172,637,264$54,472,802$38,310,059$140,406,484
68$190,143,349$57,039,053$39,490,530$153,560,632
69$209,431,813$59,727,809$40,707,305$168,008,119
70$230,684,356$62,544,971$41,961,499$183,878,767
71$254,101,210$65,496,723$43,254,258$201,315,551
72$279,903,025$68,589,554$44,586,767$220,475,925
73$308,332,954$71,830,263$45,960,245$241,533,303
74$339,658,951$75,225,982$47,375,949$264,678,681
75$374,176,295$78,784,186$48,835,174$290,122,422
76$412,210,380$82,512,714$50,339,255$318,096,226
77$454,119,787$86,419,785$51,889,568$348,855,307
78$500,299,667$90,514,017$53,487,531$382,680,778
79$551,185,475$94,804,445$55,134,605$419,882,292
80$607,257,076$99,300,545$56,832,296$460,800,945
81$669,043,276$104,012,250$58,582,156$505,812,475
82$737,126,816$108,949,977$60,385,785$555,330,794
83$812,149,874$114,124,648$62,244,831$609,811,865
84$894,820,121$119,547,716$64,160,993$669,757,995
85$985,917,409$125,231,189$66,136,022$735,722,544
86$1,086,301,127$131,187,660$68,171,721$808,315,132
87$1,196,918,320$137,430,333$70,269,951$888,207,364
88$1,318,812,622$143,973,053$72,432,628$976,139,144
89$1,453,134,114$150,830,338$74,661,727$1,072,925,634
90$1,601,150,181$158,017,412$76,959,282$1,179,464,918
91$1,764,257,473$165,550,238$79,327,391$1,296,746,453
92$1,943,995,093$173,445,558$81,768,217$1,425,860,371
93$2,142,059,126$181,720,924$84,283,985$1,568,007,747
94$2,360,318,652$190,394,743$86,876,993$1,724,511,891
95$2,600,833,387$199,486,319$89,549,606$1,896,830,816
96$2,865,873,137$209,015,892$92,304,261$2,086,570,952
97$3,157,939,215$219,004,689$95,143,472$2,295,502,281
98$3,479,788,064$229,474,968$98,069,828$2,525,574,998
99$3,834,457,276$240,450,071$101,085,996$2,778,937,881
100$4,225,294,268$251,954,475$104,194,728$3,057,958,529