Can I retire at age 45 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,419,993
2 years$739,941$726,160$712,805$699,855$687,295$663,858
3 years$488,394$474,554$461,232$448,404$436,048$413,231
4 years$362,645$348,847$335,659$323,050$310,993$288,971
5 years$287,216$273,501$260,485$248,133$236,412$215,248
6 years$236,946$223,334$210,510$198,434$187,065$166,783
7 years$201,052$187,555$174,935$163,144$152,134$132,741
8 years$174,145$160,770$148,359$136,857$126,210$107,703
9 years$153,228$139,979$127,782$116,572$106,287$88,655
10 years$136,504$123,384$111,403$100,486$90,562$73,791
11 years$122,830$109,842$98,077$87,453$77,886$61,959
12 years$111,443$98,588$87,041$76,708$67,494$52,391
13 years$101,815$89,095$77,765$67,722$58,856$44,554
14 years$93,570$80,985$69,873$60,116$51,593$38,068
15 years$86,431$73,981$63,086$53,613$45,427$32,654
16 years$80,190$67,876$57,196$48,004$40,148$28,102
17 years$74,689$62,512$52,046$43,132$35,598$24,251
18 years$69,805$57,763$47,512$38,870$31,652$20,977
19 years$65,440$53,535$43,495$35,123$28,212$18,181
20 years$61,516$49,747$39,917$31,810$25,200$15,785
21 years$57,971$46,337$36,716$28,870$22,551$13,725
22 years$54,752$43,254$33,840$26,249$20,214$11,948
23 years$51,818$40,455$31,245$23,906$18,145$10,413
24 years$49,132$37,903$28,896$21,803$16,309$9,084
25 years$46,665$35,571$26,764$19,912$14,676$7,931
26 years$44,391$33,431$24,822$18,207$13,219$6,929
27 years$42,289$31,462$23,049$16,665$11,918$6,057
28 years$40,341$29,647$21,427$15,269$10,754$5,298
29 years$38,530$27,968$19,940$14,002$9,711$4,637
30 years$36,844$26,413$18,573$12,850$8,774$4,059
31 years$35,269$24,969$17,315$11,802$7,933$3,555
32 years$33,796$23,626$16,156$10,846$7,176$3,114
33 years$32,414$22,374$15,085$9,974$6,494$2,729
34 years$31,117$21,205$14,094$9,177$5,880$2,392
35 years$29,897$20,113$13,177$8,448$5,325$2,097
36 years$28,747$19,090$12,327$7,780$4,825$1,839
37 years$27,662$18,131$11,538$7,168$4,373$1,612
38 years$26,636$17,231$10,805$6,607$3,965$1,414
39 years$25,665$16,385$10,123$6,092$3,595$1,241
40 years$24,746$15,589$9,488$5,619$3,261$1,088
41 years$23,873$14,839$8,897$5,184$2,959$955
42 years$23,044$14,133$8,345$4,785$2,685$838
43 years$22,256$13,465$7,831$4,417$2,436$735
44 years$21,505$12,835$7,351$4,078$2,212$645
45 years$20,790$12,240$6,902$3,766$2,008$566
46 years$20,109$11,676$6,483$3,479$1,823$497
47 years$19,458$11,143$6,090$3,214$1,655$436
48 years$18,836$10,637$5,723$2,970$1,503$383
49 years$18,241$10,158$5,379$2,745$1,365$336
50 years$17,672$9,703$5,058$2,537$1,240$295

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $18,100,000, adding $5,565 every year, while hoping to spend $29,515 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: 48/28/24 Blend
44$18,100,000$18,100,000$18,100,000$18,100,000
45$19,951,940$18,992,640$18,712,090$20,773,238
46$21,955,634$19,891,876$19,307,542$22,247,558
47$24,162,716$20,834,185$19,921,951$23,844,259
48$26,593,900$21,821,647$20,555,923$25,577,618
49$29,272,012$22,856,441$21,210,081$27,460,503
50$32,222,206$23,940,856$21,885,067$29,507,052
51$35,472,199$25,077,286$22,581,545$31,732,795
52$39,052,537$26,268,247$23,300,201$34,154,796
53$42,996,878$27,516,373$24,041,739$36,791,810
54$47,342,312$28,824,428$24,806,890$39,664,448
55$52,129,713$30,195,310$25,596,406$42,795,368
56$57,404,121$31,632,057$26,411,063$46,209,480
57$63,215,170$33,137,857$27,251,662$49,934,174
58$69,617,554$34,716,049$28,119,030$53,999,566
59$76,671,546$36,370,137$29,014,019$58,438,779
60$84,443,566$38,103,795$29,937,510$63,288,243
61$93,006,803$39,920,875$30,890,411$68,588,032
62$102,441,917$41,825,417$31,873,659$74,382,228
63$112,837,786$43,821,657$32,888,221$80,719,329
64$124,292,359$45,914,036$33,935,095$87,652,699
65$136,913,569$48,107,213$35,015,310$95,241,053
66$150,820,359$50,406,073$36,129,929$103,549,006
67$166,143,803$52,815,738$37,280,049$112,647,667
68$183,028,340$55,341,578$38,466,800$122,615,298
69$201,633,144$57,989,228$39,691,350$133,538,038
70$222,133,618$60,764,594$40,954,904$145,510,705
71$244,723,058$63,673,871$42,258,705$158,637,670
72$269,614,474$66,723,554$43,604,035$173,033,833
73$297,042,598$69,920,456$44,992,218$188,825,689
74$327,266,105$73,271,720$46,424,619$206,152,504
75$360,570,053$76,784,840$47,902,649$225,167,611
76$397,268,572$80,467,670$49,427,761$246,039,841
77$437,707,831$84,328,451$51,001,456$268,955,097
78$482,269,308$88,375,823$52,625,283$294,118,087
79$531,373,386$92,618,848$54,300,839$321,754,235
80$585,483,328$97,067,028$56,029,774$352,111,789
81$645,109,644$101,730,329$57,813,788$385,464,137
82$710,814,916$106,619,203$59,654,638$422,112,369
83$783,219,104$111,744,610$61,554,135$462,388,088
84$863,005,403$117,118,046$63,514,148$506,656,517
85$950,926,690$122,751,566$65,536,608$555,319,916
86$1,047,812,632$128,657,813$67,623,504$608,821,355
87$1,154,577,520$134,850,045$69,776,891$667,648,861
88$1,272,228,898$141,342,169$71,998,889$732,339,994
89$1,401,877,078$148,148,768$74,291,684$803,486,892
90$1,544,745,619$155,285,136$76,657,534$881,741,820
91$1,702,182,879$162,767,314$79,098,768$967,823,296
92$1,875,674,745$170,612,125$81,617,789$1,062,522,832
93$2,066,858,662$178,837,212$84,217,078$1,166,712,368
94$2,277,539,088$187,461,079$86,899,193$1,281,352,461
95$2,509,704,535$196,503,131$89,666,776$1,407,501,309
96$2,765,546,336$205,983,723$92,522,551$1,546,324,694
97$3,047,479,337$215,924,200$95,469,331$1,699,106,939
98$3,358,164,692$226,346,949$98,510,017$1,867,262,987
99$3,700,534,992$237,275,450$101,647,604$2,052,351,698
100$4,077,821,944$248,734,330$104,885,181$2,256,090,517