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%12.3%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,508,411
2 years$780,822$766,280$752,186$738,521$725,267$710,509
3 years$515,377$500,772$486,714$473,178$460,139$445,731
4 years$382,681$368,121$354,203$340,898$328,175$314,228
5 years$303,084$288,611$274,876$261,842$249,474$236,028
6 years$250,036$235,673$222,141$209,397$197,400$184,472
7 years$212,160$197,918$184,600$172,157$160,539$148,135
8 years$183,766$169,652$156,556$144,418$133,183$121,302
9 years$161,694$147,712$134,841$123,012$112,159$100,798
10 years$144,046$130,201$117,558$106,038$95,565$84,717
11 years$129,616$115,911$103,496$92,285$82,189$71,845
12 years$117,600$104,035$91,850$80,946$71,223$61,373
13 years$107,440$94,017$82,062$71,463$62,108$52,740
14 years$98,740$85,459$73,733$63,437$54,444$45,546
15 years$91,206$78,068$66,571$56,575$47,936$39,495
16 years$84,620$71,626$60,356$50,657$42,366$34,368
17 years$78,815$65,965$54,922$45,515$37,565$29,995
18 years$73,661$60,955$50,137$41,018$33,401$26,245
19 years$69,055$56,492$45,898$37,063$29,771$23,014
20 years$64,915$52,495$42,123$33,568$26,592$20,219
21 years$61,174$48,897$38,745$30,465$23,797$17,792
22 years$57,777$45,644$35,709$27,700$21,331$15,678
23 years$54,681$42,690$32,971$25,226$19,148$13,833
24 years$51,846$39,998$30,493$23,008$17,210$12,218
25 years$49,243$37,536$28,242$21,012$15,487$10,802
26 years$46,843$35,278$26,193$19,213$13,950$9,558
27 years$44,626$33,200$24,323$17,586$12,577$8,463
28 years$42,570$31,284$22,611$16,112$11,348$7,499
29 years$40,659$29,513$21,042$14,775$10,247$6,648
30 years$38,879$27,872$19,600$13,560$9,259$5,897
31 years$37,218$26,348$18,272$12,454$8,371$5,233
32 years$35,663$24,931$17,048$11,445$7,572$4,645
33 years$34,205$23,610$15,918$10,525$6,853$4,125
34 years$32,836$22,377$14,873$9,684$6,205$3,664
35 years$31,549$21,224$13,905$8,915$5,620$3,256
36 years$30,335$20,145$13,008$8,210$5,092$2,894
37 years$29,190$19,133$12,175$7,564$4,615$2,572
38 years$28,108$18,183$11,401$6,972$4,184$2,287
39 years$27,083$17,290$10,682$6,429$3,794$2,034
40 years$26,113$16,450$10,012$5,930$3,441$1,809
41 years$25,192$15,659$9,388$5,471$3,122$1,609
42 years$24,317$14,913$8,806$5,049$2,833$1,432
43 years$23,485$14,209$8,264$4,661$2,571$1,274
44 years$22,694$13,545$7,757$4,303$2,334$1,133
45 years$21,939$12,916$7,283$3,974$2,119$1,009
46 years$21,220$12,321$6,841$3,671$1,924$898
47 years$20,533$11,758$6,427$3,392$1,747$799
48 years$19,876$11,225$6,039$3,134$1,586$711
49 years$19,249$10,719$5,677$2,896$1,441$633
50 years$18,648$10,239$5,337$2,677$1,309$563

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 $3,461 every year, while hoping to spend $36,581 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: 55/20/25 Blend
44$19,100,000$19,100,000$19,100,000$19,100,000
45$21,051,770$20,039,470$19,743,420$22,064,700
46$23,160,129$20,982,482$20,365,903$23,704,410
47$25,482,314$21,970,476$21,008,012$25,485,163
48$28,040,097$23,005,617$21,670,368$27,423,839
49$30,857,470$24,090,175$22,353,609$29,535,618
50$33,960,869$25,226,531$23,058,392$31,837,194
51$37,379,427$26,417,180$23,785,397$34,346,923
52$41,145,247$27,664,739$24,535,326$37,084,993
53$45,293,703$28,971,952$25,308,900$40,073,608
54$49,863,778$30,341,696$26,106,866$43,337,190
55$54,898,429$31,776,985$26,929,992$46,902,608
56$60,444,995$33,280,983$27,779,072$50,799,421
57$66,555,638$34,857,004$28,654,925$55,060,154
58$73,287,842$36,508,527$29,558,394$59,720,594
59$80,704,952$38,239,195$30,490,350$64,820,125
60$88,876,772$40,052,831$31,451,692$70,402,089
61$97,880,226$41,953,442$32,443,347$76,514,190
62$107,800,079$43,945,231$33,466,269$83,208,933
63$118,729,744$46,032,604$34,521,446$90,544,115
64$130,772,157$48,220,181$35,609,894$98,583,357
65$144,040,754$50,512,807$36,732,662$107,396,701
66$158,660,538$52,915,561$37,890,833$117,061,256
67$174,769,260$55,433,770$39,085,522$127,661,920
68$192,518,719$58,073,021$40,317,883$139,292,168
69$212,076,198$60,839,168$41,589,101$152,054,925
70$233,626,038$63,738,355$42,900,404$166,063,526
71$257,371,381$66,777,021$44,253,054$181,442,773
72$283,536,086$69,961,920$45,648,356$198,330,102
73$312,366,846$73,300,132$47,087,655$216,876,865
74$344,135,510$76,799,085$48,572,337$237,249,748
75$379,141,656$80,466,564$50,103,835$259,632,328
76$417,715,416$84,310,737$51,683,624$284,226,792
77$460,220,590$88,340,164$53,313,227$311,255,832
78$507,058,085$92,563,828$54,994,215$340,964,726
79$558,669,697$96,991,143$56,728,209$373,623,641
80$615,542,282$101,631,984$58,516,879$409,530,164
81$678,212,351$106,496,708$60,361,951$449,012,094
82$747,271,137$111,596,172$62,265,203$492,430,514
83$823,370,175$116,941,767$64,228,468$540,183,184
84$907,227,452$122,545,432$66,253,641$592,708,269
85$999,634,187$128,419,693$68,342,673$650,488,461
86$1,101,462,299$134,577,684$70,497,578$714,055,505
87$1,213,672,640$141,033,176$72,720,433$783,995,200
88$1,337,324,063$147,800,616$75,013,381$860,952,901
89$1,473,583,420$154,895,149$77,378,633$945,639,588
90$1,623,736,580$162,332,662$79,818,468$1,038,838,546
91$1,789,200,563$170,129,814$82,335,238$1,141,412,736
92$1,971,536,922$178,304,077$84,931,370$1,254,312,906
93$2,172,466,483$186,873,772$87,609,367$1,378,586,542
94$2,393,885,593$195,858,116$90,371,809$1,515,387,717
95$2,637,884,020$205,277,259$93,221,360$1,665,987,956
96$2,906,764,681$215,152,336$96,160,768$1,831,788,202
97$3,203,065,390$225,505,512$99,192,865$2,014,332,005
98$3,529,582,808$236,360,031$102,320,574$2,215,320,055
99$3,889,398,853$247,740,270$105,546,912$2,436,626,196
100$4,285,909,790$259,671,798$108,874,987$2,680,315,072