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%19.5%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,457,276
2 years$776,734$762,268$748,248$734,655$721,470$663,907
3 years$512,679$498,150$484,166$470,701$457,730$402,226
4 years$380,677$366,193$352,349$339,113$326,457$273,435
5 years$301,497$287,100$273,437$260,471$248,167$197,764
6 years$248,727$234,439$220,978$208,301$196,366$148,616
7 years$211,050$196,881$183,634$171,256$159,698$114,586
8 years$182,804$168,764$155,736$143,662$132,485$89,968
9 years$160,847$146,939$134,135$122,368$111,572$71,588
10 years$143,292$129,520$116,942$105,483$95,065$57,541
11 years$128,937$115,304$102,954$91,802$81,759$46,611
12 years$116,984$103,490$91,369$80,522$70,850$37,989
13 years$106,878$93,525$81,632$71,089$61,783$31,111
14 years$98,223$85,012$73,347$63,105$54,159$25,577
15 years$90,728$77,660$66,222$56,279$47,686$21,094
16 years$84,177$71,251$60,040$50,391$42,145$17,440
17 years$78,403$65,620$54,634$45,276$37,368$14,450
18 years$73,276$60,636$49,874$40,803$33,226$11,992
19 years$68,694$56,197$45,657$36,869$29,615$9,967
20 years$64,575$52,221$41,902$33,392$26,453$8,293
21 years$60,853$48,641$38,542$30,305$23,672$6,907
22 years$57,475$45,405$35,522$27,554$21,219$5,757
23 years$54,394$42,466$32,798$25,094$19,047$4,802
24 years$51,575$39,788$30,333$22,888$17,120$4,007
25 years$48,985$37,339$28,094$20,902$15,406$3,346
26 years$46,598$35,093$26,056$19,112$13,877$2,794
27 years$44,392$33,026$24,195$17,494$12,511$2,335
28 years$42,347$31,121$22,493$16,028$11,289$1,951
29 years$40,446$29,359$20,931$14,698$10,194$1,631
30 years$38,676$27,726$19,497$13,489$9,211$1,363
31 years$37,023$26,211$18,176$12,389$8,327$1,140
32 years$35,476$24,800$16,959$11,385$7,533$953
33 years$34,026$23,486$15,835$10,470$6,817$797
34 years$32,665$22,260$14,795$9,633$6,172$667
35 years$31,384$21,113$13,832$8,868$5,590$558
36 years$30,176$20,039$12,940$8,167$5,065$467
37 years$29,037$19,033$12,111$7,525$4,591$390
38 years$27,961$18,088$11,342$6,936$4,162$327
39 years$26,942$17,200$10,626$6,395$3,774$273
40 years$25,976$16,364$9,960$5,899$3,423$229
41 years$25,060$15,577$9,339$5,442$3,106$191
42 years$24,190$14,835$8,760$5,023$2,818$160
43 years$23,362$14,135$8,220$4,636$2,558$134
44 years$22,575$13,474$7,716$4,281$2,321$112
45 years$21,824$12,848$7,245$3,954$2,107$94
46 years$21,108$12,257$6,805$3,652$1,913$78
47 years$20,425$11,697$6,393$3,374$1,738$66
48 years$19,772$11,166$6,008$3,118$1,578$55
49 years$19,148$10,663$5,647$2,881$1,433$46
50 years$18,551$10,186$5,309$2,663$1,302$38

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 $5,050 every year, while hoping to spend $37,267 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: 48/34/18 Blend
44$19,000,000$19,000,000$19,000,000$19,000,000
45$20,943,209$19,936,209$19,641,709$21,842,142
46$23,039,765$20,873,432$20,260,055$23,403,651
47$25,348,920$21,855,329$20,897,866$25,094,047
48$27,892,320$22,884,051$21,555,755$26,928,787
49$30,693,819$23,961,851$22,234,354$28,921,411
50$33,779,699$25,091,093$22,934,316$31,086,786
51$37,178,926$26,274,253$23,656,313$33,441,241
52$40,923,415$27,513,930$24,401,038$36,002,715
53$45,048,337$28,812,847$25,169,207$38,790,916
54$49,592,449$30,173,858$25,961,557$41,827,500
55$54,598,461$31,599,959$26,778,851$45,136,268
56$60,113,434$33,094,287$27,621,872$48,743,381
57$66,189,231$34,660,134$28,491,432$52,677,596
58$72,883,002$36,300,951$29,388,365$56,970,530
59$80,257,727$38,020,355$30,313,533$61,656,945
60$88,382,803$39,822,141$31,267,825$66,775,072
61$97,334,710$41,710,286$32,252,158$72,366,952
62$107,197,722$43,688,962$33,267,477$78,478,827
63$118,064,709$45,762,541$34,314,757$85,161,564
64$130,038,014$47,935,609$35,395,005$92,471,120
65$143,230,412$50,212,975$36,509,259$100,469,057
66$157,766,183$52,599,681$37,658,589$109,223,113
67$173,782,281$55,101,012$38,844,098$118,807,819
68$191,429,625$57,722,513$40,066,927$129,305,197
69$210,874,527$60,469,996$41,328,249$140,805,511
70$232,300,260$63,349,557$42,629,276$153,408,103
71$255,908,788$66,367,587$43,971,259$167,222,318
72$281,922,674$69,530,789$45,355,486$182,368,513
73$310,587,179$72,846,190$46,783,287$198,979,175
74$342,172,578$76,321,159$48,256,034$217,200,152
75$376,976,711$79,963,426$49,775,141$237,192,010
76$415,327,796$83,781,094$51,342,068$259,131,524
77$457,587,524$87,782,660$52,958,320$283,213,327
78$504,154,477$91,977,037$54,625,450$309,651,719
79$555,467,890$96,373,568$56,345,059$338,682,669
80$612,011,795$100,982,053$58,118,798$370,566,014
81$674,319,594$105,812,769$59,948,373$405,587,882
82$742,979,089$110,876,491$61,835,541$444,063,371
83$818,638,038$116,184,522$63,782,114$486,339,485
84$902,010,265$121,748,710$65,789,962$532,798,384
85$993,882,401$127,581,486$67,861,014$583,860,955
86$1,095,121,307$133,695,880$69,997,259$639,990,753
87$1,206,682,264$140,105,561$72,200,751$701,698,338
88$1,329,617,983$146,824,862$74,473,604$769,546,060
89$1,465,088,551$153,868,814$76,818,003$844,153,325
90$1,614,372,377$161,253,180$79,236,200$926,202,402
91$1,778,878,264$168,994,490$81,730,518$1,016,444,820
92$1,960,158,709$177,110,082$84,303,352$1,115,708,417
93$2,159,924,557$185,618,136$86,957,174$1,224,905,106
94$2,380,061,156$194,537,719$89,694,534$1,345,039,435
95$2,622,646,153$203,888,826$92,518,060$1,477,218,019
96$2,889,969,111$213,692,429$95,430,465$1,622,659,927
97$3,184,553,122$223,970,520$98,434,548$1,782,708,141
98$3,509,178,628$234,746,162$101,533,192$1,958,842,165
99$3,866,909,669$246,043,546$104,729,375$2,152,691,936
100$4,261,122,814$257,888,038$108,026,167$2,366,053,143