Can I retire at age 65 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%18.6%
1 years$751,469$744,776$738,245$731,871$725,647$700,458
2 years$372,015$365,086$358,371$351,861$345,546$320,429
3 years$245,546$238,588$231,890$225,441$219,229$194,973
4 years$182,324$175,387$168,757$162,417$156,356$133,146
5 years$144,401$137,506$130,962$124,752$118,859$96,757
6 years$119,127$112,284$105,837$99,765$94,049$73,072
7 years$101,082$94,296$87,951$82,023$76,487$56,631
8 years$87,554$80,829$74,589$68,807$63,453$44,702
9 years$77,037$70,376$64,244$58,608$53,437$35,767
10 years$68,629$62,033$56,009$50,521$45,531$28,913
11 years$61,754$55,224$49,310$43,968$39,158$23,559
12 years$56,029$49,566$43,761$38,566$33,934$19,316
13 years$51,189$44,794$39,098$34,048$29,591$15,917
14 years$47,043$40,716$35,129$30,224$25,939$13,168
15 years$43,454$37,195$31,717$26,954$22,839$10,930
16 years$40,316$34,126$28,756$24,135$20,185$9,096
17 years$37,551$31,428$26,167$21,685$17,897$7,586
18 years$35,095$29,041$23,887$19,542$15,914$6,339
19 years$32,901$26,915$21,867$17,658$14,184$5,304
20 years$30,928$25,011$20,069$15,993$12,670$4,444
21 years$29,146$23,297$18,459$14,515$11,338$3,727
22 years$27,527$21,747$17,013$13,197$10,163$3,129
23 years$26,052$20,339$15,709$12,019$9,123$2,628
24 years$24,702$19,056$14,528$10,962$8,200$2,209
25 years$23,461$17,884$13,456$10,011$7,378$1,857
26 years$22,318$16,808$12,480$9,154$6,646$1,563
27 years$21,261$15,818$11,588$8,379$5,992$1,315
28 years$20,282$14,905$10,773$7,677$5,407$1,107
29 years$19,372$14,061$10,025$7,040$4,882$932
30 years$18,524$13,279$9,338$6,461$4,411$785
31 years$17,732$12,553$8,706$5,933$3,988$661
32 years$16,991$11,878$8,122$5,453$3,608$557
33 years$16,297$11,249$7,584$5,015$3,265$470
34 years$15,645$10,661$7,086$4,614$2,956$396
35 years$15,031$10,112$6,625$4,247$2,677$333
36 years$14,453$9,598$6,197$3,912$2,426$281
37 years$13,907$9,116$5,801$3,604$2,199$237
38 years$13,392$8,663$5,432$3,322$1,993$200
39 years$12,904$8,238$5,089$3,063$1,808$168
40 years$12,441$7,838$4,770$2,825$1,640$142
41 years$12,002$7,461$4,473$2,607$1,487$120
42 years$11,586$7,105$4,196$2,406$1,350$101
43 years$11,189$6,770$3,937$2,221$1,225$85
44 years$10,812$6,453$3,696$2,050$1,112$72
45 years$10,453$6,154$3,470$1,894$1,009$60
46 years$10,110$5,870$3,259$1,749$916$51
47 years$9,783$5,602$3,062$1,616$832$43
48 years$9,470$5,348$2,877$1,493$756$36
49 years$9,171$5,107$2,705$1,380$686$31
50 years$8,885$4,878$2,543$1,276$623$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $9,100,000, adding $2,813 every year, while hoping to spend $31,984 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: 45/30/25 Blend
64$9,100,000$9,100,000$9,100,000$9,100,000
65$10,031,102$9,548,802$9,407,752$10,409,959
66$11,020,243$9,982,662$9,688,881$11,112,194
67$12,109,205$10,436,710$9,978,355$11,869,966
68$13,308,136$10,911,900$10,276,422$12,691,148
69$14,628,217$11,409,234$10,583,333$13,581,664
70$16,081,769$11,929,761$10,899,349$14,548,022
71$17,682,371$12,474,581$11,224,738$15,597,371
72$19,444,982$13,044,844$11,559,776$16,737,563
73$21,386,088$13,641,760$11,904,747$17,977,228
74$23,523,855$14,266,592$12,259,942$19,325,847
75$25,878,300$14,920,667$12,625,662$20,793,842
76$28,471,482$15,605,375$13,002,217$22,392,668
77$31,327,707$16,322,172$13,389,925$24,134,921
78$34,473,758$17,072,584$13,789,113$26,034,446
79$37,939,152$17,858,211$14,200,118$28,106,473
80$41,756,412$18,680,729$14,623,288$30,367,745
81$45,961,377$19,541,896$15,058,979$32,836,683
82$50,593,541$20,443,553$15,507,559$35,533,544
83$55,696,426$21,387,631$15,969,406$38,480,617
84$61,317,989$22,376,152$16,444,909$41,702,421
85$67,511,078$23,411,237$16,934,467$45,225,934
86$74,333,929$24,495,109$17,438,493$49,080,842
87$81,850,718$25,630,098$17,957,411$53,299,811
88$90,132,164$26,818,645$18,491,656$57,918,793
89$99,256,196$28,063,310$19,041,678$62,977,355
90$109,308,691$29,366,776$19,607,938$68,519,047
91$120,384,285$30,731,855$20,190,911$74,591,805
92$132,587,262$32,161,496$20,791,087$81,248,400
93$146,032,541$33,658,788$21,408,967$88,546,922
94$160,846,762$35,226,970$22,045,069$96,551,325
95$177,169,480$36,869,439$22,699,926$105,332,021
96$195,154,479$38,589,754$23,374,086$114,966,533
97$214,971,230$40,391,647$24,068,113$125,540,222
98$236,806,486$42,279,028$24,782,585$137,147,080
99$260,866,047$44,255,999$25,518,100$149,890,607
100$287,376,699$46,326,859$26,275,272$163,884,779