Can I retire at age 45 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$751,469$744,776$738,245$731,871$725,647$717,472
2 years$372,015$365,086$358,371$351,861$345,546$337,316
3 years$245,546$238,588$231,890$225,441$219,229$211,199
4 years$182,324$175,387$168,757$162,417$156,356$148,589
5 years$144,401$137,506$130,962$124,752$118,859$111,378
6 years$119,127$112,284$105,837$99,765$94,049$86,862
7 years$101,082$94,296$87,951$82,023$76,487$69,597
8 years$87,554$80,829$74,589$68,807$63,453$56,860
9 years$77,037$70,376$64,244$58,608$53,437$47,138
10 years$68,629$62,033$56,009$50,521$45,531$39,522
11 years$61,754$55,224$49,310$43,968$39,158$33,434
12 years$56,029$49,566$43,761$38,566$33,934$28,489
13 years$51,189$44,794$39,098$34,048$29,591$24,418
14 years$47,043$40,716$35,129$30,224$25,939$21,031
15 years$43,454$37,195$31,717$26,954$22,839$18,188
16 years$40,316$34,126$28,756$24,135$20,185$15,784
17 years$37,551$31,428$26,167$21,685$17,897$13,737
18 years$35,095$29,041$23,887$19,542$15,914$11,985
19 years$32,901$26,915$21,867$17,658$14,184$10,479
20 years$30,928$25,011$20,069$15,993$12,670$9,179
21 years$29,146$23,297$18,459$14,515$11,338$8,054
22 years$27,527$21,747$17,013$13,197$10,163$7,076
23 years$26,052$20,339$15,709$12,019$9,123$6,224
24 years$24,702$19,056$14,528$10,962$8,200$5,480
25 years$23,461$17,884$13,456$10,011$7,378$4,830
26 years$22,318$16,808$12,480$9,154$6,646$4,260
27 years$21,261$15,818$11,588$8,379$5,992$3,760
28 years$20,282$14,905$10,773$7,677$5,407$3,321
29 years$19,372$14,061$10,025$7,040$4,882$2,935
30 years$18,524$13,279$9,338$6,461$4,411$2,595
31 years$17,732$12,553$8,706$5,933$3,988$2,295
32 years$16,991$11,878$8,122$5,453$3,608$2,031
33 years$16,297$11,249$7,584$5,015$3,265$1,797
34 years$15,645$10,661$7,086$4,614$2,956$1,591
35 years$15,031$10,112$6,625$4,247$2,677$1,409
36 years$14,453$9,598$6,197$3,912$2,426$1,248
37 years$13,907$9,116$5,801$3,604$2,199$1,106
38 years$13,392$8,663$5,432$3,322$1,993$980
39 years$12,904$8,238$5,089$3,063$1,808$868
40 years$12,441$7,838$4,770$2,825$1,640$770
41 years$12,002$7,461$4,473$2,607$1,487$682
42 years$11,586$7,105$4,196$2,406$1,350$605
43 years$11,189$6,770$3,937$2,221$1,225$536
44 years$10,812$6,453$3,696$2,050$1,112$476
45 years$10,453$6,154$3,470$1,894$1,009$422
46 years$10,110$5,870$3,259$1,749$916$374
47 years$9,783$5,602$3,062$1,616$832$332
48 years$9,470$5,348$2,877$1,493$756$294
49 years$9,171$5,107$2,705$1,380$686$261
50 years$8,885$4,878$2,543$1,276$623$231

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $9,100,000, adding $5,027 every year, while hoping to spend $36,763 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: 69/26/5 Blend
44$9,100,000$9,100,000$9,100,000$9,100,000
45$10,033,385$9,551,085$9,410,035$10,719,972
46$11,017,675$9,979,973$9,686,156$11,603,407
47$12,101,130$10,428,644$9,970,295$12,564,402
48$13,293,827$10,898,029$10,262,681$13,614,542
49$14,606,868$11,389,103$10,563,551$14,762,546
50$16,052,486$11,902,887$10,873,148$16,018,008
51$17,644,163$12,440,451$11,191,722$17,391,483
52$19,396,752$13,002,918$11,519,529$18,894,585
53$21,326,621$13,591,461$11,856,833$20,540,094
54$23,451,806$14,207,312$12,203,906$22,342,074
55$25,792,180$14,851,761$12,561,028$24,316,003
56$28,369,644$15,526,158$12,928,483$26,478,917
57$31,208,329$16,231,921$13,306,569$28,849,566
58$34,334,827$16,970,534$13,695,587$31,448,590
59$37,778,439$17,743,550$14,095,850$34,298,712
60$41,571,456$18,552,601$14,507,677$37,424,945
61$45,749,459$19,399,392$14,931,399$40,854,826
62$50,351,657$20,285,715$15,367,353$44,618,674
63$55,421,254$21,213,444$15,815,888$48,749,873
64$61,005,863$22,184,543$16,277,361$53,285,180
65$67,157,949$23,201,074$16,752,140$58,265,068
66$73,935,326$24,265,193$17,240,603$63,734,108
67$81,401,705$25,379,163$17,743,139$69,741,380
68$89,627,291$26,545,354$18,260,146$76,340,935
69$98,689,449$27,766,251$18,792,036$83,592,298
70$108,673,433$29,044,457$19,339,229$91,561,027
71$119,673,190$30,382,702$19,902,159$100,319,324
72$131,792,246$31,783,845$20,481,273$109,946,712
73$145,144,686$33,250,885$21,077,026$120,530,781
74$159,856,228$34,786,962$21,689,891$132,168,004
75$176,065,412$36,395,372$22,320,351$144,964,649
76$193,924,904$38,079,565$22,968,902$159,037,767
77$213,602,939$39,843,159$23,636,056$174,516,294
78$235,284,911$41,689,946$24,322,336$191,542,262
79$259,175,121$43,623,902$25,028,283$210,272,128
80$285,498,703$45,649,193$25,754,450$230,878,247
81$314,503,754$47,770,186$26,501,408$253,550,486
82$346,463,671$49,991,460$27,269,739$278,498,011
83$381,679,737$52,317,813$28,060,047$305,951,251
84$420,483,960$54,754,276$28,872,949$336,164,063
85$463,242,210$57,306,121$29,709,078$369,416,118
86$510,357,672$59,978,877$30,569,088$406,015,531
87$562,274,650$62,778,338$31,453,648$446,301,758
88$619,482,765$65,710,577$32,363,447$490,648,791
89$682,521,576$68,781,964$33,299,190$539,468,670
90$751,985,669$71,999,173$34,261,606$593,215,369
91$828,530,277$75,369,202$35,251,440$652,389,058
92$912,877,461$78,899,388$36,269,458$717,540,820
93$1,005,822,925$82,597,422$37,316,449$789,277,833
94$1,108,243,534$86,471,366$38,393,220$868,269,086
95$1,221,105,585$90,529,674$39,500,604$955,251,682
96$1,345,473,934$94,781,207$40,639,453$1,051,037,778
97$1,482,522,044$99,235,255$41,810,644$1,156,522,231
98$1,633,543,070$103,901,560$43,015,077$1,272,691,034
99$1,799,962,059$108,790,332$44,253,679$1,400,630,597
100$1,983,349,410$113,912,279$45,527,397$1,541,537,991