Can I retire at age 45 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,035,860
2 years$535,538$525,564$515,897$506,525$497,434$488,613
3 years$353,479$343,462$333,820$324,536$315,593$306,976
4 years$262,467$252,481$242,935$233,810$225,083$216,738
5 years$207,874$197,948$188,528$179,588$171,105$163,054
6 years$171,491$161,639$152,358$143,618$135,389$127,645
7 years$145,513$135,744$126,611$118,076$110,108$102,672
8 years$126,039$116,358$107,376$99,051$91,345$84,218
9 years$110,900$101,311$92,483$84,370$76,926$70,106
10 years$98,796$89,300$80,629$72,728$65,545$59,028
11 years$88,899$79,499$70,984$63,295$56,371$50,152
12 years$80,658$71,354$62,997$55,518$48,850$42,923
13 years$73,689$64,483$56,283$49,014$42,598$36,957
14 years$67,722$58,613$50,571$43,509$37,341$31,978
15 years$62,555$53,544$45,659$38,803$32,878$27,786
16 years$58,038$49,126$41,396$34,744$29,058$24,229
17 years$54,057$45,243$37,669$31,217$25,764$21,190
18 years$50,522$41,807$34,387$28,133$22,909$18,581
19 years$47,362$38,746$31,480$25,420$20,419$16,328
20 years$44,523$36,005$28,890$23,023$18,239$14,376
21 years$41,957$33,537$26,574$20,895$16,321$12,679
22 years$39,627$31,305$24,492$18,998$14,630$11,198
23 years$37,503$29,279$22,614$17,302$13,133$9,903
24 years$35,559$27,433$20,914$15,780$11,804$8,767
25 years$33,774$25,744$19,370$14,412$10,622$7,769
26 years$32,128$24,196$17,965$13,177$9,568$6,890
27 years$30,607$22,771$16,682$12,061$8,626$6,116
28 years$29,197$21,457$15,508$11,051$7,783$5,432
29 years$27,887$20,242$14,432$10,134$7,028$4,827
30 years$26,666$19,117$13,443$9,300$6,350$4,292
31 years$25,526$18,071$12,532$8,542$5,741$3,818
32 years$24,460$17,099$11,693$7,850$5,194$3,398
33 years$23,460$16,193$10,918$7,219$4,700$3,025
34 years$22,521$15,348$10,201$6,642$4,255$2,694
35 years$21,638$14,557$9,537$6,114$3,854$2,400
36 years$20,806$13,817$8,922$5,631$3,492$2,138
37 years$20,020$13,123$8,350$5,188$3,165$1,906
38 years$19,278$12,471$7,820$4,782$2,869$1,699
39 years$18,575$11,859$7,326$4,409$2,602$1,514
40 years$17,910$11,283$6,867$4,067$2,360$1,350
41 years$17,278$10,740$6,439$3,752$2,141$1,204
42 years$16,678$10,229$6,040$3,463$1,943$1,074
43 years$16,108$9,746$5,668$3,197$1,763$958
44 years$15,565$9,290$5,320$2,952$1,601$855
45 years$15,047$8,859$4,995$2,726$1,453$763
46 years$14,554$8,451$4,692$2,518$1,319$680
47 years$14,083$8,065$4,408$2,326$1,198$607
48 years$13,632$7,699$4,142$2,150$1,088$542
49 years$13,202$7,352$3,893$1,987$988$484
50 years$12,790$7,023$3,660$1,836$898$432

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,100,000, adding $6,466 every year, while hoping to spend $54,072 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: 37/38/25 Blend
44$13,100,000$13,100,000$13,100,000$13,100,000
45$14,442,870$13,748,570$13,545,520$14,868,782
46$15,858,510$14,364,717$13,941,762$15,798,140
47$17,416,734$15,009,244$14,349,467$16,795,869
48$19,132,027$15,683,483$14,768,960$17,872,536
49$21,020,352$16,388,832$15,200,578$19,035,291
50$23,099,296$17,126,754$15,644,667$20,291,981
51$25,388,242$17,898,782$16,101,581$21,651,209
52$27,908,544$18,706,523$16,571,685$23,122,419
53$30,683,733$19,551,661$17,055,354$24,715,973
54$33,739,741$20,435,959$17,552,975$26,443,247
55$37,105,138$21,361,265$18,064,944$28,316,730
56$40,811,410$22,329,515$18,591,667$30,350,136
57$44,893,251$23,342,738$19,133,565$32,558,530
58$49,388,891$24,403,060$19,691,067$34,958,457
59$54,340,456$25,512,709$20,264,617$37,568,098
60$59,794,369$26,674,018$20,854,668$40,407,427
61$65,801,783$27,889,433$21,461,688$43,498,399
62$72,419,068$29,161,518$22,086,157$46,865,143
63$79,708,339$30,492,959$22,728,569$50,534,185
64$87,738,045$31,886,570$23,389,432$54,534,688
65$96,583,614$33,345,300$24,069,267$58,898,717
66$106,328,165$34,872,242$24,768,609$63,661,534
67$117,063,290$36,470,633$25,488,009$68,861,917
68$128,889,921$38,143,870$26,228,034$74,542,523
69$141,919,284$39,895,511$26,989,263$80,750,269
70$156,273,943$41,729,283$27,772,296$87,536,771
71$172,088,962$43,649,095$28,577,745$94,958,817
72$189,513,178$45,659,043$29,406,241$103,078,890
73$208,710,605$47,763,419$30,258,434$111,965,743
74$229,861,983$49,966,723$31,134,987$121,695,038
75$253,166,483$52,273,669$32,036,587$132,350,040
76$278,843,587$54,689,202$32,963,935$144,022,394
77$307,135,160$57,218,500$33,917,755$156,812,970
78$338,307,734$59,866,994$34,898,787$170,832,799
79$372,655,022$62,640,376$35,907,795$186,204,106
80$410,500,689$65,544,609$36,945,561$203,061,443
81$452,201,413$68,585,948$38,012,891$221,552,943
82$498,150,244$71,770,947$39,110,610$241,841,694
83$548,780,321$75,106,476$40,239,568$264,107,263
84$604,568,957$78,599,736$41,400,636$288,547,365
85$666,042,145$82,258,277$42,594,711$315,379,711
86$733,779,523$86,090,012$43,822,713$344,844,034
87$808,419,847$90,103,235$45,085,587$377,204,332
88$890,667,021$94,306,644$46,384,304$412,751,331
89$981,296,740$98,709,352$47,719,861$451,805,207
90$1,081,163,814$103,320,916$49,093,283$494,718,572
91$1,191,210,235$108,151,353$50,505,620$541,879,780
92$1,312,474,074$113,211,165$51,957,953$593,716,560
93$1,446,099,277$118,511,360$53,451,392$650,700,020
94$1,593,346,466$124,063,478$54,987,076$713,349,061
95$1,755,604,837$129,879,621$56,566,175$782,235,239
96$1,934,405,279$135,972,470$58,189,890$857,988,127
97$2,131,434,821$142,355,325$59,859,455$941,301,213
98$2,348,552,563$149,042,126$61,576,137$1,032,938,412
99$2,587,807,223$156,047,490$63,341,237$1,133,741,231
100$2,851,456,482$163,386,738$65,156,090$1,244,636,671