Can I retire at age 45 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,102,103
2 years$576,418$565,683$555,279$545,191$535,407$513,083
3 years$380,462$369,680$359,302$349,309$339,684$317,984
4 years$282,503$271,754$261,480$251,658$242,265$221,357
5 years$223,742$213,058$202,919$193,297$184,166$164,108
6 years$184,582$173,978$163,989$154,581$145,725$126,538
7 years$156,621$146,107$136,275$127,090$118,513$100,203
8 years$135,660$125,240$115,572$106,613$98,318$80,879
9 years$119,365$109,044$99,543$90,810$82,798$66,219
10 years$106,337$96,117$86,783$78,279$70,548$54,814
11 years$95,685$85,567$76,403$68,126$60,674$45,764
12 years$86,815$76,801$67,805$59,756$52,579$38,473
13 years$79,315$69,405$60,580$52,756$45,849$32,524
14 years$72,892$63,088$54,431$46,831$40,191$27,621
15 years$67,330$57,632$49,144$41,765$35,388$23,546
16 years$62,468$52,876$44,556$37,396$31,276$20,136
17 years$58,183$48,697$40,544$33,600$27,731$17,265
18 years$54,378$44,998$37,012$30,280$24,657$14,837
19 years$50,978$41,704$33,883$27,361$21,978$12,774
20 years$47,921$38,753$31,096$24,780$19,631$11,016
21 years$45,160$36,097$28,602$22,490$17,567$9,513
22 years$42,652$33,695$26,361$20,448$15,747$8,225
23 years$40,366$31,514$24,340$18,623$14,135$7,118
24 years$38,274$29,527$22,510$16,985$12,705$6,166
25 years$36,352$27,710$20,849$15,512$11,433$5,345
26 years$34,581$26,043$19,336$14,183$10,298$4,636
27 years$32,943$24,509$17,956$12,982$9,285$4,024
28 years$31,426$23,095$16,692$11,894$8,378$3,494
29 years$30,015$21,787$15,533$10,907$7,565$3,035
30 years$28,702$20,576$14,469$10,010$6,835$2,638
31 years$27,475$19,451$13,489$9,194$6,180$2,293
32 years$26,327$18,405$12,585$8,449$5,590$1,994
33 years$25,251$17,429$11,751$7,770$5,059$1,734
34 years$24,241$16,519$10,979$7,149$4,580$1,508
35 years$23,290$15,668$10,265$6,581$4,149$1,312
36 years$22,394$14,871$9,603$6,061$3,759$1,142
37 years$21,549$14,124$8,988$5,584$3,407$994
38 years$20,750$13,423$8,417$5,147$3,089$865
39 years$19,993$12,764$7,886$4,746$2,801$753
40 years$19,277$12,144$7,391$4,377$2,540$655
41 years$18,597$11,560$6,931$4,039$2,305$571
42 years$17,951$11,009$6,501$3,727$2,091$497
43 years$17,337$10,490$6,100$3,441$1,898$433
44 years$16,753$9,999$5,726$3,177$1,723$377
45 years$16,196$9,535$5,377$2,934$1,564$328
46 years$15,665$9,096$5,050$2,710$1,420$286
47 years$15,158$8,680$4,744$2,504$1,289$249
48 years$14,673$8,286$4,458$2,314$1,171$217
49 years$14,210$7,913$4,191$2,138$1,064$189
50 years$13,767$7,559$3,940$1,976$966$164

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $14,100,000, adding $6,300 every year, while hoping to spend $39,463 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: 32/46/22 Blend
44$14,100,000$14,100,000$14,100,000$14,100,000
45$15,544,698$14,797,398$14,578,848$15,936,405
46$17,088,269$15,480,483$15,025,252$16,914,877
47$18,787,962$16,195,715$15,485,287$17,964,066
48$20,659,659$16,944,630$15,959,368$19,093,360
49$22,720,861$17,728,834$16,447,925$20,309,803
50$24,990,855$18,550,013$16,951,396$21,621,111
51$27,490,891$19,409,932$17,470,236$23,035,731
52$30,244,386$20,310,443$18,004,913$24,562,922
53$33,277,144$21,253,486$18,555,909$26,212,829
54$36,617,600$22,241,094$19,123,719$27,996,574
55$40,297,088$23,275,400$19,708,856$29,926,352
56$44,350,135$24,358,639$20,311,847$32,015,535
57$48,814,789$25,493,153$20,933,235$34,278,797
58$53,732,978$26,681,397$21,573,578$36,732,234
59$59,150,903$27,925,947$22,233,454$39,393,512
60$65,119,477$29,229,500$22,913,456$42,282,022
61$71,694,803$30,594,885$23,614,197$45,419,053
62$78,938,707$32,025,069$24,336,306$48,827,982
63$86,919,316$33,523,158$25,080,434$52,534,481
64$95,711,707$35,092,414$25,847,249$56,566,749
65$105,398,610$36,736,251$26,637,441$60,955,766
66$116,071,193$38,458,252$27,451,720$65,735,572
67$127,829,920$40,262,172$28,290,818$70,943,572
68$140,785,501$42,151,947$29,155,489$76,620,879
69$155,059,934$44,131,704$30,046,510$82,812,682
70$170,787,660$46,205,770$30,964,680$89,568,661
71$188,116,829$48,378,681$31,910,826$96,943,435
72$207,210,703$50,655,193$32,885,795$104,997,065
73$228,249,188$53,040,292$33,890,463$113,795,599
74$251,430,544$55,539,204$34,925,732$123,411,677
75$276,973,246$58,157,412$35,992,531$133,925,201
76$305,118,053$60,900,661$37,091,816$145,424,060
77$336,130,276$63,774,975$38,224,573$158,004,947
78$370,302,286$66,786,671$39,391,819$171,774,242
79$407,956,274$69,942,372$40,594,599$186,848,995
80$449,447,287$73,249,022$41,833,992$203,358,008
81$495,166,587$76,713,901$43,111,107$221,443,020
82$545,545,340$80,344,642$44,427,090$241,260,021
83$601,058,686$84,149,251$45,783,119$262,980,696
84$662,230,226$88,136,119$47,180,408$286,794,014
85$729,636,966$92,314,045$48,620,208$312,907,979
86$803,914,759$96,692,256$50,103,808$341,551,566
87$885,764,315$101,280,427$51,632,535$372,976,842
88$975,957,808$106,088,701$53,207,758$407,461,313
89$1,075,346,171$111,127,714$54,830,885$445,310,505
90$1,184,867,128$116,408,620$56,503,368$486,860,811
91$1,305,554,047$121,943,113$58,226,702$532,482,618
92$1,438,545,690$127,743,457$60,002,427$582,583,770
93$1,585,096,973$133,822,509$61,832,131$637,613,364
94$1,746,590,805$140,193,752$63,717,448$698,065,949
95$1,924,551,147$146,871,326$65,660,062$764,486,139
96$2,120,657,398$153,870,055$67,661,708$837,473,706
97$2,336,760,251$161,205,486$69,724,174$917,689,188
98$2,574,899,162$168,893,920$71,849,299$1,005,860,063
99$2,837,321,607$176,952,453$74,038,982$1,102,787,562
100$3,126,504,298$185,399,011$76,295,175$1,209,354,167