Can I retire at age 45 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,365,068
2 years$715,413$702,089$689,176$676,656$664,512$634,031
3 years$472,204$458,823$445,942$433,540$421,594$391,989
4 years$350,624$337,283$324,532$312,341$300,684$272,185
5 years$277,695$264,434$251,850$239,908$228,575$201,262
6 years$229,091$215,930$203,532$191,856$180,864$154,765
7 years$194,388$181,338$169,136$157,736$147,091$122,211
8 years$168,372$155,440$143,441$132,321$122,026$98,357
9 years$148,149$135,339$123,546$112,708$102,763$80,288
10 years$131,979$119,294$107,710$97,155$87,560$66,254
11 years$118,758$106,201$94,826$84,554$75,304$55,141
12 years$107,749$95,320$84,156$74,165$65,257$46,205
13 years$98,440$86,142$75,188$65,477$56,905$38,931
14 years$90,468$78,300$67,556$58,123$49,883$32,950
15 years$83,566$71,529$60,994$51,836$43,921$27,992
16 years$77,532$65,626$55,300$46,413$38,817$23,853
17 years$72,213$60,439$50,321$41,702$34,418$20,379
18 years$67,491$55,849$45,937$37,582$30,603$17,449
19 years$63,271$51,760$42,053$33,958$27,277$14,967
20 years$59,477$48,098$38,594$30,756$24,364$12,859
21 years$56,049$44,801$35,499$27,913$21,803$11,062
22 years$52,937$41,820$32,718$25,379$19,544$9,527
23 years$50,100$39,114$30,209$23,113$17,544$8,213
24 years$47,503$36,647$27,938$21,081$15,769$7,087
25 years$45,118$34,391$25,877$19,252$14,189$6,119
26 years$42,919$32,322$23,999$17,603$12,781$5,286
27 years$40,887$30,419$22,285$16,113$11,523$4,569
28 years$39,004$28,664$20,717$14,763$10,398$3,952
29 years$37,253$27,041$19,279$13,538$9,389$3,419
30 years$35,622$25,537$17,958$12,424$8,483$2,959
31 years$34,100$24,141$16,741$11,411$7,670$2,561
32 years$32,675$22,843$15,620$10,487$6,938$2,218
33 years$31,340$21,632$14,585$9,643$6,279$1,921
34 years$30,086$20,502$13,627$8,873$5,685$1,664
35 years$28,906$19,446$12,740$8,168$5,149$1,441
36 years$27,794$18,457$11,918$7,522$4,665$1,249
37 years$26,745$17,530$11,155$6,931$4,228$1,082
38 years$25,753$16,660$10,446$6,388$3,833$938
39 years$24,815$15,842$9,787$5,890$3,476$813
40 years$23,925$15,072$9,173$5,433$3,153$705
41 years$23,082$14,347$8,602$5,013$2,860$611
42 years$22,280$13,664$8,069$4,626$2,596$530
43 years$21,518$13,019$7,571$4,270$2,356$459
44 years$20,792$12,410$7,107$3,943$2,138$398
45 years$20,101$11,834$6,673$3,641$1,941$345
46 years$19,442$11,289$6,268$3,364$1,762$299
47 years$18,813$10,773$5,888$3,108$1,600$260
48 years$18,211$10,285$5,534$2,872$1,453$225
49 years$17,636$9,821$5,201$2,654$1,320$195
50 years$17,086$9,382$4,890$2,453$1,199$169

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $17,500,000, adding $4,198 every year, while hoping to spend $33,384 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: 65/11/24 Blend
44$17,500,000$17,500,000$17,500,000$17,500,000
45$19,289,330$18,361,830$18,090,580$20,422,561
46$21,221,322$19,226,040$18,661,094$22,050,855
47$23,349,257$20,131,476$19,249,602$23,825,636
48$25,693,088$21,080,125$19,856,670$25,764,656
49$28,274,799$22,074,068$20,482,885$27,884,048
50$31,118,617$23,115,485$21,128,850$30,201,567
51$34,251,237$24,206,665$21,795,188$32,736,754
52$37,702,079$25,350,007$22,482,541$35,511,117
53$41,503,558$26,548,024$23,191,574$38,548,332
54$45,691,398$27,803,355$23,922,968$41,874,460
55$50,304,963$29,118,762$24,677,431$45,518,193
56$55,387,633$30,497,145$25,455,689$49,511,118
57$60,987,210$31,941,544$26,258,492$53,888,013
58$67,156,370$33,455,144$27,086,616$58,687,170
59$73,953,161$35,041,287$27,940,859$63,950,752
60$81,441,550$36,703,476$28,822,044$69,725,188
61$89,692,027$38,445,386$29,731,022$76,061,604
62$98,782,271$40,270,867$30,668,669$83,016,304
63$108,797,883$42,183,960$31,635,889$90,651,294
64$119,833,191$44,188,898$32,633,615$99,034,863
65$131,992,145$46,290,122$33,662,810$108,242,219
66$145,389,295$48,492,290$34,724,466$118,356,200
67$160,150,875$50,800,283$35,819,607$129,468,043
68$176,415,989$53,219,223$36,949,289$141,678,244
69$194,337,931$55,754,476$38,114,601$155,097,495
70$214,085,629$58,411,673$39,316,669$169,847,727
71$235,845,235$61,196,718$40,556,650$186,063,252
72$259,821,893$64,115,801$41,835,741$203,892,024
73$286,241,663$67,175,412$43,155,175$223,497,027
74$315,353,665$70,382,360$44,516,226$245,057,804
75$347,432,425$73,743,781$45,920,205$268,772,150
76$382,780,467$77,267,162$47,368,468$294,857,962
77$421,731,174$80,960,351$48,862,410$323,555,294
78$464,651,925$84,831,580$50,403,473$355,128,608
79$511,947,575$88,889,481$51,993,142$389,869,265
80$564,064,268$93,143,106$53,632,952$428,098,265
81$621,493,651$97,601,946$55,324,484$470,169,261
82$684,777,518$102,275,956$57,069,370$516,471,895
83$754,512,923$107,175,576$58,869,291$567,435,458
84$831,357,814$112,311,752$60,725,986$623,532,932
85$916,037,248$117,695,965$62,641,243$685,285,445
86$1,009,350,234$123,340,254$64,616,911$753,267,175
87$1,112,177,276$129,257,244$66,654,896$828,110,757
88$1,225,488,685$135,460,176$68,757,162$910,513,240
89$1,350,353,743$141,962,936$70,925,738$1,001,242,656
90$1,487,950,790$148,780,085$73,162,716$1,101,145,250
91$1,639,578,356$155,926,895$75,470,253$1,211,153,457
92$1,806,667,416$163,419,381$77,850,574$1,332,294,684
93$1,990,794,901$171,274,340$80,305,977$1,465,700,994
94$2,193,698,583$179,509,384$82,838,829$1,612,619,775
95$2,417,293,482$188,142,987$85,451,573$1,774,425,493
96$2,663,689,947$197,194,523$88,146,730$1,952,632,652
97$2,935,213,575$206,684,309$90,926,900$2,148,910,068
98$3,234,427,173$216,633,653$93,794,764$2,365,096,601
99$3,564,154,944$227,064,901$96,753,088$2,603,218,496
100$3,927,509,158$238,001,492$99,804,726$2,865,508,483