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

Use the below retirement simulation to view the chances of a successful retirement.
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%13%
1 years$751,469$744,776$738,245$731,871$725,647$716,579
2 years$372,015$365,086$358,371$351,861$345,546$336,422
3 years$245,546$238,588$231,890$225,441$219,229$210,332
4 years$182,324$175,387$168,757$162,417$156,356$147,754
5 years$144,401$137,506$130,962$124,752$118,859$110,579
6 years$119,127$112,284$105,837$99,765$94,049$86,099
7 years$101,082$94,296$87,951$82,023$76,487$68,871
8 years$87,554$80,829$74,589$68,807$63,453$56,170
9 years$77,037$70,376$64,244$58,608$53,437$46,484
10 years$68,629$62,033$56,009$50,521$45,531$38,903
11 years$61,754$55,224$49,310$43,968$39,158$32,849
12 years$56,029$49,566$43,761$38,566$33,934$27,937
13 years$51,189$44,794$39,098$34,048$29,591$23,898
14 years$47,043$40,716$35,129$30,224$25,939$20,543
15 years$43,454$37,195$31,717$26,954$22,839$17,729
16 years$40,316$34,126$28,756$24,135$20,185$15,354
17 years$37,551$31,428$26,167$21,685$17,897$13,334
18 years$35,095$29,041$23,887$19,542$15,914$11,609
19 years$32,901$26,915$21,867$17,658$14,184$10,128
20 years$30,928$25,011$20,069$15,993$12,670$8,852
21 years$29,146$23,297$18,459$14,515$11,338$7,749
22 years$27,527$21,747$17,013$13,197$10,163$6,793
23 years$26,052$20,339$15,709$12,019$9,123$5,961
24 years$24,702$19,056$14,528$10,962$8,200$5,237
25 years$23,461$17,884$13,456$10,011$7,378$4,605
26 years$22,318$16,808$12,480$9,154$6,646$4,052
27 years$21,261$15,818$11,588$8,379$5,992$3,568
28 years$20,282$14,905$10,773$7,677$5,407$3,144
29 years$19,372$14,061$10,025$7,040$4,882$2,771
30 years$18,524$13,279$9,338$6,461$4,411$2,444
31 years$17,732$12,553$8,706$5,933$3,988$2,156
32 years$16,991$11,878$8,122$5,453$3,608$1,903
33 years$16,297$11,249$7,584$5,015$3,265$1,680
34 years$15,645$10,661$7,086$4,614$2,956$1,484
35 years$15,031$10,112$6,625$4,247$2,677$1,311
36 years$14,453$9,598$6,197$3,912$2,426$1,158
37 years$13,907$9,116$5,801$3,604$2,199$1,023
38 years$13,392$8,663$5,432$3,322$1,993$905
39 years$12,904$8,238$5,089$3,063$1,808$800
40 years$12,441$7,838$4,770$2,825$1,640$707
41 years$12,002$7,461$4,473$2,607$1,487$625
42 years$11,586$7,105$4,196$2,406$1,350$553
43 years$11,189$6,770$3,937$2,221$1,225$489
44 years$10,812$6,453$3,696$2,050$1,112$432
45 years$10,453$6,154$3,470$1,894$1,009$382
46 years$10,110$5,870$3,259$1,749$916$338
47 years$9,783$5,602$3,062$1,616$832$299
48 years$9,470$5,348$2,877$1,493$756$265
49 years$9,171$5,107$2,705$1,380$686$234
50 years$8,885$4,878$2,543$1,276$623$207

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 $4,076 every year, while hoping to spend $22,093 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: 30/50/20 Blend
44$9,100,000$9,100,000$9,100,000$9,100,000
45$10,032,404$9,550,104$9,409,054$10,270,334
46$11,032,203$9,994,553$9,700,751$10,895,987
47$12,133,240$10,460,039$10,001,479$11,566,344
48$13,345,820$10,947,569$10,311,517$12,287,065
49$14,681,295$11,458,201$10,631,154$13,062,517
50$16,152,175$11,993,042$10,960,686$13,897,478
51$17,772,247$12,553,251$11,300,420$14,797,178
52$19,556,702$13,140,046$11,650,669$15,767,343
53$21,522,279$13,754,702$12,011,760$16,814,242
54$23,687,425$14,398,556$12,384,028$17,944,746
55$26,072,467$15,073,010$12,767,817$19,166,379
56$28,699,804$15,779,533$13,163,485$20,487,394
57$31,594,121$16,519,666$13,571,398$21,916,832
58$34,782,615$17,295,024$13,991,934$23,464,613
59$38,295,262$18,107,301$14,425,484$25,141,615
60$42,165,091$18,958,270$14,872,450$26,959,770
61$46,428,499$19,849,795$15,333,246$28,932,174
62$51,125,596$20,783,824$15,808,300$31,073,200
63$56,300,581$21,762,405$16,298,051$33,398,622
64$62,002,159$22,787,682$16,802,955$35,925,763
65$68,284,005$23,861,904$17,323,479$38,673,643
66$75,205,263$24,987,428$17,860,106$41,663,151
67$82,831,114$26,166,725$18,413,333$44,917,236
68$91,233,380$27,402,388$18,983,673$48,461,107
69$100,491,214$28,697,133$19,571,654$52,322,467
70$110,691,834$30,053,810$20,177,822$56,531,758
71$121,931,360$31,475,405$20,802,738$61,122,438
72$134,315,709$32,965,050$21,446,980$66,131,287
73$147,961,604$34,526,030$22,111,146$71,598,739
74$162,997,669$36,161,787$22,795,851$77,569,251
75$179,565,648$37,875,931$23,501,729$84,091,708
76$197,821,741$39,672,249$24,229,433$91,219,869
77$217,938,078$41,554,708$24,979,638$99,012,864
78$240,104,344$43,527,471$25,753,039$107,535,727
79$264,529,572$45,594,902$26,550,351$116,860,003
80$291,444,113$47,761,577$27,372,312$127,064,398
81$321,101,811$50,032,293$28,219,683$138,235,506
82$353,782,403$52,412,082$29,093,249$150,468,611
83$389,794,153$54,906,219$29,993,818$163,868,557
84$429,476,768$57,520,236$30,922,223$178,550,727
85$473,204,605$60,259,933$31,879,323$194,642,103
86$521,390,198$63,131,394$32,866,005$212,282,442
87$574,488,162$66,140,996$33,883,179$231,625,573
88$632,999,478$69,295,428$34,931,789$252,840,824
89$697,476,224$72,601,703$36,012,803$276,114,592
90$768,526,788$76,067,175$37,127,221$301,652,072
91$846,821,611$79,699,557$38,276,073$329,679,172
92$933,099,516$83,506,937$39,460,423$360,444,608
93$1,028,174,684$87,497,794$40,681,364$394,222,222
94$1,132,944,338$91,681,022$41,940,026$431,313,535
95$1,248,397,216$96,065,948$43,237,572$472,050,555
96$1,375,622,902$100,662,350$44,575,202$516,798,877
97$1,515,822,118$105,480,484$45,954,151$565,961,094
98$1,670,318,052$110,531,106$47,375,693$619,980,557
99$1,840,568,858$115,825,495$48,841,143$679,345,517
100$2,028,181,413$121,375,476$50,351,853$744,593,694