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%17.5%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,468,941
2 years$776,734$762,268$748,248$734,655$721,470$675,375
3 years$512,679$498,150$484,166$470,701$457,730$413,132
4 years$380,677$366,193$352,349$339,113$326,457$283,697
5 years$301,497$287,100$273,437$260,471$248,167$207,361
6 years$248,727$234,439$220,978$208,301$196,366$157,549
7 years$211,050$196,881$183,634$171,256$159,698$122,869
8 years$182,804$168,764$155,736$143,662$132,485$97,620
9 years$160,847$146,939$134,135$122,368$111,572$78,634
10 years$143,292$129,520$116,942$105,483$95,065$64,006
11 years$128,937$115,304$102,954$91,802$81,759$52,526
12 years$116,984$103,490$91,369$80,522$70,850$43,382
13 years$106,878$93,525$81,632$71,089$61,783$36,016
14 years$98,223$85,012$73,347$63,105$54,159$30,025
15 years$90,728$77,660$66,222$56,279$47,686$25,117
16 years$84,177$71,251$60,040$50,391$42,145$21,069
17 years$78,403$65,620$54,634$45,276$37,368$17,715
18 years$73,276$60,636$49,874$40,803$33,226$14,923
19 years$68,694$56,197$45,657$36,869$29,615$12,592
20 years$64,575$52,221$41,902$33,392$26,453$10,639
21 years$60,853$48,641$38,542$30,305$23,672$8,999
22 years$57,475$45,405$35,522$27,554$21,219$7,619
23 years$54,394$42,466$32,798$25,094$19,047$6,456
24 years$51,575$39,788$30,333$22,888$17,120$5,474
25 years$48,985$37,339$28,094$20,902$15,406$4,644
26 years$46,598$35,093$26,056$19,112$13,877$3,942
27 years$44,392$33,026$24,195$17,494$12,511$3,347
28 years$42,347$31,121$22,493$16,028$11,289$2,843
29 years$40,446$29,359$20,931$14,698$10,194$2,415
30 years$38,676$27,726$19,497$13,489$9,211$2,053
31 years$37,023$26,211$18,176$12,389$8,327$1,745
32 years$35,476$24,800$16,959$11,385$7,533$1,484
33 years$34,026$23,486$15,835$10,470$6,817$1,262
34 years$32,665$22,260$14,795$9,633$6,172$1,073
35 years$31,384$21,113$13,832$8,868$5,590$913
36 years$30,176$20,039$12,940$8,167$5,065$776
37 years$29,037$19,033$12,111$7,525$4,591$660
38 years$27,961$18,088$11,342$6,936$4,162$562
39 years$26,942$17,200$10,626$6,395$3,774$478
40 years$25,976$16,364$9,960$5,899$3,423$407
41 years$25,060$15,577$9,339$5,442$3,106$346
42 years$24,190$14,835$8,760$5,023$2,818$294
43 years$23,362$14,135$8,220$4,636$2,558$251
44 years$22,575$13,474$7,716$4,281$2,321$213
45 years$21,824$12,848$7,245$3,954$2,107$181
46 years$21,108$12,257$6,805$3,652$1,913$154
47 years$20,425$11,697$6,393$3,374$1,738$131
48 years$19,772$11,166$6,008$3,118$1,578$112
49 years$19,148$10,663$5,647$2,881$1,433$95
50 years$18,551$10,186$5,309$2,663$1,302$81

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 $4,442 every year, while hoping to spend $22,873 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: 49/38/13 Blend
44$19,000,000$19,000,000$19,000,000$19,000,000
45$20,942,582$19,935,582$19,641,082$21,893,840
46$23,054,389$20,888,089$20,274,721$23,501,104
47$25,380,833$21,886,502$20,928,821$25,243,263
48$27,943,784$22,933,046$21,604,043$27,135,156
49$30,767,340$24,030,056$22,301,069$29,190,818
50$33,878,058$25,179,978$23,020,603$31,425,659
51$37,305,201$26,385,378$23,763,375$33,856,603
52$41,081,017$27,648,947$24,530,133$36,502,235
53$45,241,043$28,973,508$25,321,655$39,382,975
54$49,824,440$30,362,020$26,138,741$42,521,255
55$54,874,360$31,817,586$26,982,216$45,941,726
56$60,438,359$33,343,462$27,852,934$49,671,478
57$66,568,840$34,943,060$28,751,776$53,740,287
58$73,323,552$36,619,961$29,679,651$58,180,886
59$80,766,133$38,377,917$30,637,498$63,029,260
60$88,966,709$40,220,866$31,626,285$68,324,975
61$98,002,561$42,152,936$32,647,013$74,111,543
62$107,958,849$44,178,456$33,700,715$80,436,811
63$118,929,419$46,301,968$34,788,456$87,353,409
64$131,017,688$48,528,233$35,911,338$94,919,227
65$144,337,622$50,862,246$37,070,497$103,197,945
66$159,014,806$53,309,243$38,267,106$112,259,624
67$175,187,638$55,874,718$39,502,376$122,181,348
68$193,008,629$58,564,430$40,777,557$133,047,934
69$212,645,843$61,384,422$42,093,939$144,952,715
70$234,284,489$64,341,029$43,452,856$157,998,405
71$258,128,664$67,440,895$44,855,684$172,298,046
72$284,403,279$70,690,991$46,303,841$187,976,055
73$313,356,189$74,098,624$47,798,794$205,169,377
74$345,260,524$77,671,461$49,342,058$224,028,758
75$380,417,274$81,417,539$50,935,193$244,720,141
76$419,158,128$85,345,291$52,579,815$267,426,209
77$461,848,606$89,463,559$54,277,587$292,348,083
78$508,891,507$93,781,617$56,030,230$319,707,196
79$560,730,716$98,309,191$57,839,518$349,747,351
80$617,855,392$103,056,484$59,707,284$382,736,999
81$680,804,583$108,034,193$61,635,420$418,971,733
82$750,172,322$113,253,540$63,625,878$458,777,054
83$826,613,230$118,726,294$65,680,675$502,511,408
84$910,848,694$124,464,798$67,801,893$550,569,529
85$1,003,673,685$130,481,997$69,991,681$603,386,134
86$1,105,964,256$136,791,470$72,252,257$661,439,985
87$1,218,685,814$143,407,456$74,585,911$725,258,368
88$1,342,902,236$150,344,891$76,995,009$795,422,026
89$1,479,785,914$157,619,440$79,481,991$872,570,600
90$1,630,628,818$165,247,533$82,049,379$957,408,615
91$1,796,854,697$173,246,402$84,699,773$1,050,712,087
92$1,980,032,521$181,634,121$87,435,860$1,153,335,793
93$2,181,891,291$190,429,645$90,260,413$1,266,221,289
94$2,404,336,361$199,652,856$93,176,296$1,390,405,739
95$2,649,467,432$209,324,608$96,186,464$1,527,031,647
96$2,919,598,367$219,466,771$99,293,968$1,677,357,583
97$3,217,279,044$230,102,287$102,501,959$1,842,769,997
98$3,545,319,422$241,255,214$105,813,690$2,024,796,240
99$3,906,816,073$252,950,789$109,232,518$2,225,118,909
100$4,305,181,415$265,215,480$112,761,910$2,445,591,658