Can I retire at age 45 with 10,200,000?

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 $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$842,306$834,804$827,484$820,339$813,362$787,957
2 years$416,983$409,217$401,691$394,394$387,315$361,946
3 years$275,228$267,428$259,921$252,692$245,729$221,192
4 years$204,364$196,588$189,156$182,050$175,256$151,739
5 years$161,856$154,127$146,793$139,832$133,227$110,793
6 years$133,527$125,857$118,630$111,825$105,418$84,086
7 years$113,300$105,694$98,582$91,937$85,733$65,502
8 years$98,137$90,599$83,606$77,124$71,124$51,981
9 years$86,349$78,883$72,009$65,692$59,896$41,820
10 years$76,925$69,532$62,779$56,628$51,035$33,998
11 years$69,219$61,900$55,270$49,283$43,892$27,864
12 years$62,802$55,558$49,051$43,228$38,036$22,983
13 years$57,377$50,208$43,824$38,164$33,168$19,055
14 years$52,730$45,638$39,376$33,877$29,075$15,863
15 years$48,707$41,691$35,551$30,213$25,600$13,251
16 years$45,190$38,251$32,232$27,052$22,625$11,100
17 years$42,090$35,227$29,330$24,306$20,061$9,319
18 years$39,337$32,552$26,775$21,905$17,837$7,839
19 years$36,878$30,169$24,511$19,793$15,899$6,604
20 years$34,667$28,034$22,495$17,926$14,201$5,571
21 years$32,669$26,113$20,691$16,269$12,708$4,705
22 years$30,855$24,375$19,070$14,792$11,391$3,977
23 years$29,201$22,798$17,608$13,472$10,225$3,365
24 years$27,688$21,360$16,284$12,287$9,191$2,849
25 years$26,297$20,045$15,082$11,221$8,270$2,413
26 years$25,016$18,839$13,988$10,260$7,450$2,045
27 years$23,831$17,730$12,989$9,391$6,716$1,733
28 years$22,734$16,707$12,075$8,604$6,060$1,470
29 years$21,713$15,761$11,237$7,890$5,472$1,247
30 years$20,763$14,885$10,467$7,241$4,945$1,058
31 years$19,875$14,071$9,758$6,651$4,470$898
32 years$19,045$13,314$9,104$6,112$4,044$762
33 years$18,267$12,609$8,501$5,621$3,660$647
34 years$17,536$11,950$7,943$5,172$3,313$549
35 years$16,848$11,334$7,426$4,761$3,001$466
36 years$16,200$10,758$6,947$4,384$2,719$396
37 years$15,588$10,218$6,502$4,040$2,464$336
38 years$15,010$9,710$6,089$3,723$2,234$286
39 years$14,463$9,234$5,704$3,433$2,026$243
40 years$13,945$8,785$5,347$3,167$1,838$206
41 years$13,453$8,363$5,014$2,922$1,667$175
42 years$12,986$7,964$4,703$2,696$1,513$149
43 years$12,542$7,588$4,413$2,489$1,373$126
44 years$12,119$7,233$4,142$2,298$1,246$107
45 years$11,716$6,898$3,890$2,122$1,131$91
46 years$11,332$6,580$3,653$1,961$1,027$77
47 years$10,965$6,279$3,432$1,811$933$66
48 years$10,615$5,994$3,225$1,674$847$56
49 years$10,279$5,724$3,032$1,547$769$47
50 years$9,959$5,468$2,850$1,430$699$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $10,200,000, adding $2,287 every year, while hoping to spend $43,316 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: 46/41/13 Blend
44$10,200,000$10,200,000$10,200,000$10,200,000
45$11,242,759$10,702,159$10,544,059$11,718,550
46$12,343,433$11,180,477$10,851,197$12,526,946
47$13,554,923$11,680,781$11,167,173$13,398,807
48$14,888,488$12,204,102$11,492,236$14,343,673
49$16,356,532$12,751,521$11,826,644$15,368,333
50$17,972,723$13,324,170$12,170,661$16,480,238
51$19,752,122$13,923,236$12,524,560$17,687,568
52$21,711,325$14,549,961$12,888,618$18,999,309
53$23,868,617$15,205,646$13,263,125$20,425,329
54$26,244,150$15,891,656$13,648,373$21,976,469
55$28,860,126$16,609,420$14,044,666$23,664,640
56$31,741,013$17,360,436$14,452,316$25,502,930
57$34,913,770$18,146,271$14,871,643$27,505,724
58$38,408,107$18,968,571$15,302,975$29,688,833
59$42,256,759$19,829,056$15,746,651$32,069,639
60$46,495,802$20,729,533$16,203,017$34,667,250
61$51,164,986$21,671,892$16,672,430$37,502,680
62$56,308,114$22,658,115$17,155,256$40,599,035
63$61,973,458$23,690,279$17,651,873$43,981,727
64$68,214,206$24,770,558$18,162,667$47,678,708
65$75,088,974$25,901,235$18,688,035$51,720,725
66$82,662,352$27,084,697$19,228,386$56,141,602
67$91,005,514$28,323,449$19,784,139$60,978,554
68$100,196,894$29,620,116$20,355,726$66,272,526
69$110,322,923$30,977,448$20,943,588$72,068,574
70$121,478,844$32,398,325$21,548,181$78,416,281
71$133,769,613$33,885,770$22,169,972$85,370,211
72$147,310,888$35,442,947$22,809,441$92,990,422
73$162,230,121$37,073,175$23,467,080$101,343,013
74$178,667,762$38,779,929$24,143,396$110,500,746
75$196,778,583$40,566,855$24,838,909$120,543,715
76$216,733,140$42,437,771$25,554,153$131,560,092
77$238,719,379$44,396,682$26,289,677$143,646,948
78$262,944,418$46,447,782$27,046,043$156,911,155
79$289,636,495$48,595,469$27,823,832$171,470,381
80$319,047,123$50,844,352$28,623,636$187,454,185
81$351,453,468$53,199,264$29,446,066$205,005,229
82$387,160,962$55,665,268$30,291,749$224,280,604
83$426,506,186$58,247,673$31,161,329$245,453,300
84$469,860,050$60,952,041$32,055,466$268,713,820
85$517,631,290$63,784,206$32,974,839$294,271,962
86$570,270,330$66,750,280$33,920,145$322,358,777
87$628,273,533$69,856,673$34,892,099$353,228,734
88$692,187,884$73,110,101$35,891,435$387,162,099
89$762,616,159$76,517,607$36,918,909$424,467,562
90$840,222,608$80,086,571$37,975,294$465,485,123
91$925,739,233$83,824,732$39,061,385$510,589,283
92$1,019,972,693$87,740,201$40,177,998$560,192,553
93$1,123,811,918$91,841,482$41,325,973$614,749,321
94$1,238,236,509$96,137,489$42,506,167$674,760,114
95$1,364,325,974$100,637,567$43,719,465$740,776,296
96$1,503,269,929$105,351,514$44,966,773$813,405,243
97$1,656,379,322$110,289,599$46,249,021$893,316,043
98$1,825,098,814$115,462,590$47,567,163$981,245,782
99$2,011,020,411$120,881,774$48,922,181$1,078,006,468
100$2,215,898,498$126,558,987$50,315,080$1,184,492,659