Can I retire at age 45 with 15,100,000?

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 $15,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$1,246,944$1,235,837$1,225,000$1,214,423$1,204,095$1,191,521
2 years$617,299$605,802$594,660$583,857$573,379$560,716
3 years$407,445$395,899$384,785$374,083$363,775$351,416
4 years$302,538$291,027$280,025$269,506$259,447$247,488
5 years$239,611$228,169$217,311$207,006$197,228$185,703
6 years$197,673$186,317$175,619$165,545$156,060$144,984
7 years$167,729$156,469$145,940$136,103$126,918$116,296
8 years$145,281$134,123$123,769$114,174$105,291$95,122
9 years$127,831$116,778$106,602$97,251$88,670$78,950
10 years$113,879$102,934$92,938$83,831$75,551$66,274
11 years$102,471$91,636$81,821$72,958$64,977$56,135
12 years$92,972$82,248$72,614$63,994$56,307$47,892
13 years$84,940$74,328$64,876$56,497$49,101$41,102
14 years$78,061$67,562$58,292$50,152$43,042$35,449
15 years$72,105$61,719$52,629$44,727$37,897$30,698
16 years$66,899$56,626$47,716$40,048$33,494$26,676
17 years$62,310$52,150$43,420$35,983$29,698$23,250
18 years$58,235$48,189$39,637$32,428$26,406$20,314
19 years$54,593$44,661$36,286$29,301$23,536$17,787
20 years$51,320$41,502$33,301$26,538$21,023$15,604
21 years$48,362$38,657$30,631$24,085$18,813$13,710
22 years$45,677$36,085$28,231$21,899$16,863$12,064
23 years$43,229$33,750$26,066$19,943$15,138$10,628
24 years$40,988$31,621$24,107$18,190$13,606$9,372
25 years$38,930$29,675$22,328$16,612$12,243$8,273
26 years$37,033$27,890$20,708$15,189$11,028$7,309
27 years$35,280$26,247$19,229$13,903$9,943$6,462
28 years$33,655$24,733$17,876$12,738$8,972$5,716
29 years$32,144$23,333$16,635$11,681$8,101$5,059
30 years$30,737$22,035$15,495$10,720$7,320$4,480
31 years$29,423$20,830$14,445$9,846$6,618$3,969
32 years$28,194$19,710$13,478$9,048$5,986$3,518
33 years$27,042$18,666$12,584$8,321$5,418$3,119
34 years$25,960$17,691$11,758$7,656$4,905$2,766
35 years$24,942$16,779$10,993$7,048$4,443$2,453
36 years$23,982$15,926$10,284$6,491$4,025$2,177
37 years$23,077$15,126$9,625$5,980$3,648$1,932
38 years$22,221$14,375$9,014$5,512$3,308$1,715
39 years$21,411$13,669$8,445$5,083$2,999$1,522
40 years$20,644$13,005$7,915$4,688$2,721$1,352
41 years$19,916$12,380$7,422$4,325$2,468$1,200
42 years$19,225$11,790$6,962$3,992$2,240$1,066
43 years$18,567$11,234$6,533$3,685$2,033$947
44 years$17,941$10,708$6,132$3,402$1,845$841
45 years$17,345$10,211$5,758$3,142$1,675$747
46 years$16,776$9,741$5,408$2,902$1,521$664
47 years$16,233$9,296$5,081$2,681$1,381$590
48 years$15,714$8,874$4,775$2,478$1,254$524
49 years$15,218$8,474$4,488$2,290$1,139$465
50 years$14,743$8,095$4,219$2,117$1,035$414

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $15,100,000, adding $5,946 every year, while hoping to spend $42,569 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: 65/14/21 Blend
44$15,100,000$15,100,000$15,100,000$15,100,000
45$16,646,333$15,846,033$15,611,983$17,638,772
46$18,298,966$16,577,196$16,089,692$19,037,735
47$20,118,741$17,342,759$16,581,977$20,560,628
48$22,122,661$18,144,362$17,089,281$22,223,980
49$24,329,463$18,983,727$17,612,063$24,041,565
50$26,759,793$19,862,654$18,150,791$26,028,538
51$29,436,401$20,783,033$18,705,952$28,201,578
52$32,384,357$21,746,845$19,278,045$30,579,043
53$35,631,287$22,756,166$19,867,584$33,181,135
54$39,207,630$23,813,170$20,475,101$36,030,096
55$43,146,932$24,920,139$21,101,140$39,150,407
56$47,486,157$26,079,463$21,746,266$42,569,018
57$52,266,037$27,293,649$22,411,058$46,315,601
58$57,531,458$28,565,323$23,096,114$50,422,822
59$63,331,882$29,897,239$23,802,049$54,926,649
60$69,721,814$31,292,284$24,529,498$59,866,687
61$76,761,316$32,753,483$25,279,113$65,286,544
62$84,516,576$34,284,010$26,051,569$71,234,242
63$93,060,529$35,887,189$26,847,559$77,762,664
64$102,473,549$37,566,506$27,667,797$84,930,048
65$112,844,202$39,325,616$28,513,020$92,800,533
66$124,270,091$41,168,351$29,383,986$101,444,757
67$136,858,767$43,098,727$30,281,477$110,940,521
68$150,728,751$45,120,955$31,206,296$121,373,513
69$166,010,651$47,239,450$32,159,275$132,838,116
70$182,848,394$49,458,839$33,141,267$145,438,290
71$201,400,582$51,783,974$34,153,152$159,288,548
72$221,841,997$54,219,944$35,195,837$174,515,027
73$244,365,239$56,772,080$36,270,257$191,256,675
74$269,182,557$59,445,975$37,377,373$209,666,556
75$296,527,841$62,247,491$38,518,178$229,913,280
76$326,658,836$65,182,774$39,693,693$252,182,597
77$359,859,576$68,258,268$40,904,970$276,679,133
78$396,443,059$71,480,730$42,153,093$303,628,319
79$436,754,209$74,857,243$43,439,179$333,278,505
80$481,173,125$78,395,235$44,764,379$365,903,297
81$530,118,676$82,102,494$46,129,878$401,804,133
82$584,052,448$85,987,184$47,536,896$441,313,110
83$643,483,108$90,057,866$48,986,692$484,796,118
84$708,971,200$94,323,516$50,480,562$532,656,275
85$781,134,442$98,793,548$52,019,839$585,337,722
86$860,653,552$103,477,828$53,605,901$643,329,808
87$948,278,677$108,386,705$55,240,162$707,171,691
88$1,044,836,478$113,531,029$56,924,083$777,457,417
89$1,151,237,925$118,922,176$58,659,166$854,841,512
90$1,268,486,906$124,572,075$60,446,960$940,045,149
91$1,397,689,698$130,493,234$62,289,061$1,033,862,939
92$1,540,065,415$136,698,770$64,187,113$1,137,170,415
93$1,696,957,513$143,202,436$66,142,806$1,250,932,284
94$1,869,846,475$150,018,652$68,157,887$1,376,211,512
95$2,060,363,790$157,162,540$70,234,150$1,514,179,345
96$2,270,307,350$164,649,957$72,373,447$1,666,126,344
97$2,501,658,426$172,497,531$74,577,684$1,833,474,550
98$2,756,600,373$180,722,698$76,848,824$2,017,790,888
99$3,037,539,241$189,343,741$79,188,890$2,220,801,936
100$3,347,126,491$198,379,832$81,599,966$2,444,410,204