Can I retire at age 45 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,070,622
2 years$551,890$541,611$531,650$521,992$512,623$506,684
3 years$364,272$353,949$344,013$334,445$325,229$319,420
4 years$270,481$260,190$250,353$240,949$231,956$226,322
5 years$214,222$203,992$194,284$185,072$176,329$170,888
6 years$176,727$166,575$157,011$148,003$139,524$134,281
7 years$149,956$139,889$130,477$121,682$113,470$108,429
8 years$129,887$119,911$110,654$102,076$94,134$89,295
9 years$114,286$104,404$95,307$86,946$79,275$74,636
10 years$101,812$92,027$83,091$74,948$67,546$63,106
11 years$91,613$81,926$73,152$65,227$58,092$53,847
12 years$83,120$73,533$64,920$57,213$50,341$46,288
13 years$75,940$66,452$58,002$50,511$43,898$40,034
14 years$69,790$60,403$52,115$44,838$38,481$34,800
15 years$64,465$55,179$47,053$39,987$33,882$30,380
16 years$59,810$50,626$42,660$35,804$29,945$26,617
17 years$55,707$46,625$38,819$32,170$26,551$23,392
18 years$52,064$43,083$35,437$28,992$23,608$20,612
19 years$48,809$39,929$32,441$26,196$21,042$18,205
20 years$45,882$37,104$29,772$23,726$18,795$16,110
21 years$43,238$34,561$27,385$21,533$16,820$14,282
22 years$40,837$32,261$25,239$19,578$15,077$12,680
23 years$38,649$30,173$23,304$17,830$13,534$11,272
24 years$36,645$28,271$21,552$16,262$12,164$10,033
25 years$34,805$26,531$19,962$14,852$10,946$8,939
26 years$33,109$24,934$18,514$13,580$9,860$7,972
27 years$31,542$23,466$17,192$12,430$8,889$7,115
28 years$30,089$22,112$15,982$11,388$8,021$6,355
29 years$28,738$20,860$14,872$10,443$7,243$5,679
30 years$27,480$19,700$13,853$9,584$6,544$5,078
31 years$26,306$18,623$12,915$8,802$5,917$4,543
32 years$25,207$17,621$12,050$8,090$5,352$4,067
33 years$24,177$16,688$11,251$7,439$4,844$3,641
34 years$23,209$15,816$10,512$6,845$4,385$3,262
35 years$22,299$15,001$9,828$6,301$3,972$2,922
36 years$21,441$14,239$9,194$5,803$3,599$2,619
37 years$20,632$13,523$8,605$5,347$3,262$2,348
38 years$19,867$12,852$8,059$4,928$2,957$2,106
39 years$19,143$12,221$7,550$4,544$2,682$1,889
40 years$18,457$11,627$7,077$4,191$2,432$1,694
41 years$17,806$11,068$6,636$3,867$2,207$1,520
42 years$17,187$10,541$6,224$3,569$2,002$1,364
43 years$16,600$10,043$5,841$3,294$1,817$1,224
44 years$16,040$9,573$5,483$3,042$1,649$1,099
45 years$15,507$9,129$5,148$2,809$1,497$986
46 years$14,998$8,709$4,835$2,595$1,360$885
47 years$14,513$8,311$4,543$2,397$1,235$795
48 years$14,049$7,934$4,269$2,215$1,121$714
49 years$13,605$7,576$4,012$2,047$1,018$641
50 years$13,181$7,237$3,772$1,892$925$575

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $13,500,000, adding $5,564 every year, while hoping to spend $44,092 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: 27/45/28 Blend
44$13,500,000$13,500,000$13,500,000$13,500,000
45$14,882,739$14,167,239$13,957,989$15,154,680
46$16,353,865$14,814,520$14,378,668$16,022,789
47$17,973,568$15,492,041$14,811,962$16,950,013
48$19,756,956$16,201,235$15,258,248$17,944,653
49$21,720,678$16,943,607$15,717,911$19,012,486
50$23,883,077$17,720,734$16,191,351$20,159,828
51$26,264,368$18,534,268$16,678,978$21,393,594
52$28,886,825$19,385,938$17,181,216$22,721,351
53$31,774,993$20,277,561$17,698,498$24,151,383
54$34,955,918$21,211,037$18,231,273$25,692,765
55$38,459,403$22,188,359$18,780,002$27,355,440
56$42,318,290$23,211,616$19,345,160$29,150,302
57$46,568,768$24,282,998$19,927,236$31,089,295
58$51,250,717$25,404,799$20,526,732$33,185,513
59$56,408,080$26,579,425$21,144,168$35,453,317
60$62,089,282$27,809,395$21,780,076$37,908,459
61$68,347,686$29,097,353$22,435,006$40,568,223
62$75,242,095$30,446,067$23,109,523$43,451,576
63$82,837,305$31,858,441$23,804,209$46,579,338
64$91,204,723$33,337,518$24,519,663$49,974,363
65$100,423,036$34,886,487$25,256,502$53,661,750
66$110,578,952$36,508,691$26,015,361$57,669,058
67$121,768,024$38,207,636$26,796,895$62,026,564
68$134,095,546$39,986,994$27,601,775$66,767,524
69$147,677,553$41,850,617$28,430,695$71,928,483
70$162,641,908$43,802,542$29,284,368$77,549,597
71$179,129,516$45,847,001$30,163,528$83,675,002
72$197,295,652$47,988,429$31,068,932$90,353,210
73$217,311,424$50,231,478$32,001,356$97,637,554
74$239,365,391$52,581,022$32,961,603$105,586,671
75$263,665,340$55,042,171$33,950,497$114,265,037
76$290,440,252$57,620,285$34,968,885$123,743,559
77$319,942,458$60,320,979$36,017,643$134,100,218
78$352,450,024$63,150,142$37,097,669$145,420,791
79$388,269,374$66,113,947$38,209,889$157,799,634
80$427,738,186$69,218,866$39,355,256$171,340,551
81$471,228,575$72,471,684$40,534,751$186,157,746
82$519,150,608$75,879,515$41,749,384$202,376,883
83$571,956,175$79,449,816$43,000,193$220,136,237
84$630,143,254$83,190,407$44,288,249$239,587,979
85$694,260,614$87,109,484$45,614,652$260,899,576
86$764,912,990$91,215,642$46,980,537$284,255,348
87$842,766,799$95,517,893$48,387,069$309,858,171
88$928,556,426$100,025,684$49,835,450$337,931,363
89$1,023,091,159$104,748,919$51,326,915$368,720,752
90$1,127,262,827$109,697,986$52,862,736$402,496,963
91$1,242,054,221$114,883,773$54,444,223$439,557,937
92$1,368,548,370$120,317,696$56,072,723$480,231,697
93$1,507,938,768$126,011,728$57,749,624$524,879,408
94$1,661,540,638$131,978,418$59,476,352$573,898,739
95$1,830,803,351$138,230,928$61,254,377$627,727,575
96$2,017,324,105$144,783,056$63,085,211$686,848,098
97$2,222,863,010$151,649,272$64,970,412$751,791,291
98$2,449,359,695$158,844,745$66,911,579$823,141,896
99$2,698,951,629$166,385,382$68,910,362$901,543,883
100$2,973,994,294$174,287,865$70,968,458$987,706,467