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%17.6%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,468,352
2 years$776,734$762,268$748,248$734,655$721,470$674,794
3 years$512,679$498,150$484,166$470,701$457,730$412,577
4 years$380,677$366,193$352,349$339,113$326,457$283,173
5 years$301,497$287,100$273,437$260,471$248,167$206,869
6 years$248,727$234,439$220,978$208,301$196,366$157,090
7 years$211,050$196,881$183,634$171,256$159,698$122,441
8 years$182,804$168,764$155,736$143,662$132,485$97,223
9 years$160,847$146,939$134,135$122,368$111,572$78,266
10 years$143,292$129,520$116,942$105,483$95,065$63,667
11 years$128,937$115,304$102,954$91,802$81,759$52,213
12 years$116,984$103,490$91,369$80,522$70,850$43,096
13 years$106,878$93,525$81,632$71,089$61,783$35,754
14 years$98,223$85,012$73,347$63,105$54,159$29,786
15 years$90,728$77,660$66,222$56,279$47,686$24,899
16 years$84,177$71,251$60,040$50,391$42,145$20,872
17 years$78,403$65,620$54,634$45,276$37,368$17,536
18 years$73,276$60,636$49,874$40,803$33,226$14,762
19 years$68,694$56,197$45,657$36,869$29,615$12,446
20 years$64,575$52,221$41,902$33,392$26,453$10,508
21 years$60,853$48,641$38,542$30,305$23,672$8,881
22 years$57,475$45,405$35,522$27,554$21,219$7,513
23 years$54,394$42,466$32,798$25,094$19,047$6,361
24 years$51,575$39,788$30,333$22,888$17,120$5,389
25 years$48,985$37,339$28,094$20,902$15,406$4,568
26 years$46,598$35,093$26,056$19,112$13,877$3,874
27 years$44,392$33,026$24,195$17,494$12,511$3,287
28 years$42,347$31,121$22,493$16,028$11,289$2,790
29 years$40,446$29,359$20,931$14,698$10,194$2,369
30 years$38,676$27,726$19,497$13,489$9,211$2,011
31 years$37,023$26,211$18,176$12,389$8,327$1,708
32 years$35,476$24,800$16,959$11,385$7,533$1,451
33 years$34,026$23,486$15,835$10,470$6,817$1,233
34 years$32,665$22,260$14,795$9,633$6,172$1,048
35 years$31,384$21,113$13,832$8,868$5,590$890
36 years$30,176$20,039$12,940$8,167$5,065$757
37 years$29,037$19,033$12,111$7,525$4,591$643
38 years$27,961$18,088$11,342$6,936$4,162$547
39 years$26,942$17,200$10,626$6,395$3,774$465
40 years$25,976$16,364$9,960$5,899$3,423$395
41 years$25,060$15,577$9,339$5,442$3,106$336
42 years$24,190$14,835$8,760$5,023$2,818$286
43 years$23,362$14,135$8,220$4,636$2,558$243
44 years$22,575$13,474$7,716$4,281$2,321$206
45 years$21,824$12,848$7,245$3,954$2,107$176
46 years$21,108$12,257$6,805$3,652$1,913$149
47 years$20,425$11,697$6,393$3,374$1,738$127
48 years$19,772$11,166$6,008$3,118$1,578$108
49 years$19,148$10,663$5,647$2,881$1,433$92
50 years$18,551$10,186$5,309$2,663$1,302$78

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 $5,813 every year, while hoping to spend $51,899 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: 44/39/17 Blend
44$19,000,000$19,000,000$19,000,000$19,000,000
45$20,943,996$19,936,996$19,642,496$21,762,420
46$23,025,064$20,858,689$20,245,300$23,258,737
47$25,316,660$21,823,805$20,866,558$24,873,998
48$27,840,206$22,834,418$21,506,833$26,623,685
49$30,619,303$23,892,700$22,166,708$28,520,233
50$33,679,958$25,000,928$22,846,779$30,577,289
51$37,050,831$26,161,491$23,547,663$32,809,835
52$40,763,502$27,376,890$24,269,996$35,234,318
53$44,852,770$28,649,749$25,014,432$37,868,801
54$49,356,982$29,982,816$25,781,645$40,733,121
55$54,318,394$31,378,974$26,572,330$43,849,068
56$59,783,571$32,841,245$27,387,204$47,240,582
57$65,803,825$34,372,795$28,227,005$50,933,969
58$72,435,697$35,976,944$29,092,492$54,958,137
59$79,741,497$37,657,173$29,984,449$59,344,860
60$87,789,885$39,417,130$30,903,683$64,129,064
61$96,656,523$41,260,640$31,851,027$69,349,149
62$106,424,789$43,191,711$32,827,337$75,047,332
63$117,186,561$45,214,549$33,833,496$81,270,039
64$129,043,087$47,333,558$34,870,414$88,068,326
65$142,105,938$49,553,359$35,939,030$95,498,346
66$156,498,065$51,878,794$37,040,308$103,621,867
67$172,354,954$54,314,942$38,175,245$112,506,836
68$189,825,909$56,867,124$39,344,866$122,228,005
69$209,075,461$59,540,922$40,550,228$132,867,621
70$230,284,917$62,342,186$41,792,419$144,516,182
71$253,654,076$65,277,051$43,072,563$157,273,272
72$279,403,112$68,351,947$44,391,814$171,248,484
73$307,774,654$71,573,617$45,751,365$186,562,433
74$339,036,075$74,949,130$47,152,442$203,347,869
75$373,482,016$78,485,898$48,596,309$221,750,913
76$411,437,166$82,191,692$50,084,271$241,932,409
77$453,259,332$86,074,660$51,617,668$264,069,419
78$499,342,809$90,143,343$53,197,885$288,356,868
79$550,122,108$94,406,700$54,826,347$315,009,356
80$606,076,055$98,874,120$56,504,522$344,263,156
81$667,732,311$103,555,451$58,233,922$376,378,416
82$735,672,355$108,461,016$60,016,107$411,641,580
83$810,536,972$113,601,642$61,852,683$450,368,065
84$893,032,299$118,988,679$63,745,304$492,905,195
85$983,936,498$124,634,028$65,695,675$539,635,456
86$1,084,107,094$130,550,169$67,705,554$590,980,059
87$1,194,489,076$136,750,186$69,776,749$647,402,882
88$1,316,123,817$143,247,801$71,911,125$709,414,806
89$1,450,158,903$150,057,399$74,110,604$777,578,496
90$1,597,858,967$157,194,067$76,377,165$852,513,669
91$1,760,617,629$164,673,624$78,712,848$934,902,892
92$1,939,970,651$172,512,656$81,119,752$1,025,497,983
93$2,137,610,438$180,728,556$83,600,044$1,125,127,049
94$2,355,402,010$189,339,563$86,155,953$1,234,702,256
95$2,595,400,614$198,364,801$88,789,777$1,355,228,382
96$2,859,871,126$207,824,325$91,503,884$1,487,812,239
97$3,151,309,429$217,739,165$94,300,712$1,633,673,063
98$3,472,465,980$228,131,373$97,182,774$1,794,153,961
99$3,826,371,772$239,024,073$100,152,660$1,970,734,517
100$4,216,366,955$250,441,515$103,213,036$2,165,044,691