Can I retire at age 45 with 19,100,000?

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 $19,100,000?

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$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,502,783
2 years$780,822$766,280$752,186$738,521$725,267$704,870
3 years$515,377$500,772$486,714$473,178$460,139$440,257
4 years$382,681$368,121$354,203$340,898$328,175$308,961
5 years$303,084$288,611$274,876$261,842$249,474$230,983
6 years$250,036$235,673$222,141$209,397$197,400$179,655
7 years$212,160$197,918$184,600$172,157$160,539$143,546
8 years$183,766$169,652$156,556$144,418$133,183$116,940
9 years$161,694$147,712$134,841$123,012$112,159$96,659
10 years$144,046$130,201$117,558$106,038$95,565$80,797
11 years$129,616$115,911$103,496$92,285$82,189$68,139
12 years$117,600$104,035$91,850$80,946$71,223$57,875
13 years$107,440$94,017$82,062$71,463$62,108$49,445
14 years$98,740$85,459$73,733$63,437$54,444$42,445
15 years$91,206$78,068$66,571$56,575$47,936$36,583
16 years$84,620$71,626$60,356$50,657$42,366$31,637
17 years$78,815$65,965$54,922$45,515$37,565$27,437
18 years$73,661$60,955$50,137$41,018$33,401$23,853
19 years$69,055$56,492$45,898$37,063$29,771$20,780
20 years$64,915$52,495$42,123$33,568$26,592$18,136
21 years$61,174$48,897$38,745$30,465$23,797$15,852
22 years$57,777$45,644$35,709$27,700$21,331$13,874
23 years$54,681$42,690$32,971$25,226$19,148$12,157
24 years$51,846$39,998$30,493$23,008$17,210$10,663
25 years$49,243$37,536$28,242$21,012$15,487$9,361
26 years$46,843$35,278$26,193$19,213$13,950$8,224
27 years$44,626$33,200$24,323$17,586$12,577$7,230
28 years$42,570$31,284$22,611$16,112$11,348$6,360
29 years$40,659$29,513$21,042$14,775$10,247$5,598
30 years$38,879$27,872$19,600$13,560$9,259$4,929
31 years$37,218$26,348$18,272$12,454$8,371$4,341
32 years$35,663$24,931$17,048$11,445$7,572$3,825
33 years$34,205$23,610$15,918$10,525$6,853$3,372
34 years$32,836$22,377$14,873$9,684$6,205$2,973
35 years$31,549$21,224$13,905$8,915$5,620$2,621
36 years$30,335$20,145$13,008$8,210$5,092$2,312
37 years$29,190$19,133$12,175$7,564$4,615$2,040
38 years$28,108$18,183$11,401$6,972$4,184$1,800
39 years$27,083$17,290$10,682$6,429$3,794$1,588
40 years$26,113$16,450$10,012$5,930$3,441$1,402
41 years$25,192$15,659$9,388$5,471$3,122$1,237
42 years$24,317$14,913$8,806$5,049$2,833$1,092
43 years$23,485$14,209$8,264$4,661$2,571$964
44 years$22,694$13,545$7,757$4,303$2,334$851
45 years$21,939$12,916$7,283$3,974$2,119$752
46 years$21,220$12,321$6,841$3,671$1,924$664
47 years$20,533$11,758$6,427$3,392$1,747$586
48 years$19,876$11,225$6,039$3,134$1,586$518
49 years$19,249$10,719$5,677$2,896$1,441$457
50 years$18,648$10,239$5,337$2,677$1,309$404

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $19,100,000, adding $3,211 every year, while hoping to spend $45,656 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: 63/25/12 Blend
44$19,100,000$19,100,000$19,100,000$19,100,000
45$21,051,512$20,039,212$19,743,162$22,318,786
46$23,150,189$20,972,556$20,355,980$24,100,763
47$25,461,400$21,950,103$20,987,798$26,040,188
48$28,006,777$22,973,972$21,639,203$28,156,765
49$30,810,154$24,046,382$22,310,802$30,467,700
50$33,897,796$25,169,661$23,003,220$32,991,915
51$37,298,645$26,346,249$23,717,102$35,750,224
52$41,044,594$27,578,702$24,453,112$38,765,521
53$45,170,786$28,869,702$25,211,935$42,062,994
54$49,715,949$30,222,061$25,994,278$45,670,354
55$54,722,757$31,638,723$26,800,868$49,618,092
56$60,238,237$33,122,779$27,632,455$53,939,759
57$66,314,210$34,677,468$28,489,815$58,672,278
58$73,007,779$36,306,183$29,373,743$63,856,285
59$80,381,872$38,012,486$30,285,063$69,536,501
60$88,505,833$39,800,107$31,224,623$75,762,154
61$97,456,075$41,672,960$32,193,295$82,587,430
62$107,316,805$43,635,146$33,191,981$90,071,977
63$118,180,817$45,690,966$34,221,610$98,281,462
64$130,150,365$47,844,928$35,283,139$107,288,176
65$143,338,133$50,101,760$36,377,555$117,171,715
66$157,868,295$52,466,419$37,505,875$128,019,713
67$173,877,688$54,944,100$38,669,149$139,928,665
68$191,517,104$57,540,253$39,868,457$153,004,822
69$210,952,713$60,260,590$41,104,915$167,365,186
70$232,367,632$63,111,101$42,379,672$183,138,600
71$255,963,651$66,098,065$43,693,911$200,466,955
72$281,963,142$69,228,069$45,048,856$219,506,513
73$310,611,153$72,508,015$46,445,763$240,429,368
74$342,177,726$75,945,143$47,885,932$263,425,058
75$376,960,444$79,547,044$49,370,700$288,702,340
76$415,287,237$83,321,677$50,901,446$316,491,143
77$457,519,482$87,277,387$52,479,592$347,044,721
78$504,055,415$91,422,925$54,106,604$380,642,029
79$555,333,885$95,767,465$55,783,992$417,590,338
80$611,838,500$100,320,630$57,513,315$458,228,113
81$674,102,194$105,092,508$59,296,178$502,928,194
82$742,712,254$110,093,677$61,134,236$552,101,292
83$818,315,866$115,335,229$63,029,195$606,199,842
84$901,626,226$120,828,797$64,982,815$665,722,257
85$993,429,270$126,586,578$66,996,909$731,217,605
86$1,094,591,096$132,621,360$69,073,345$803,290,768
87$1,206,066,137$138,946,556$71,214,052$882,608,129
88$1,328,906,175$145,576,229$73,421,014$969,903,833
89$1,464,270,268$152,525,127$75,696,281$1,065,986,688
90$1,613,435,691$159,808,714$78,041,962$1,171,747,775
91$1,777,809,998$167,443,208$80,460,235$1,288,168,823
92$1,958,944,306$175,445,613$82,953,341$1,416,331,452
93$2,158,547,941$183,833,764$85,523,593$1,557,427,339
94$2,378,504,573$192,626,360$88,173,375$1,712,769,444
95$2,620,890,000$201,843,013$90,905,145$1,883,804,359
96$2,887,991,748$211,504,288$93,721,434$2,072,125,927
97$3,182,330,658$221,631,751$96,624,855$2,279,490,249
98$3,506,684,696$232,248,017$99,618,098$2,507,832,221
99$3,864,115,170$243,376,805$102,703,939$2,759,283,750
100$4,257,995,634$255,042,984$105,885,237$3,036,193,839