Can I retire at age 45 with 19,100,000?

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,487,450
2 years$780,822$766,280$752,186$738,521$725,267$689,592
3 years$515,377$500,772$486,714$473,178$460,139$425,515
4 years$382,681$368,121$354,203$340,898$328,175$294,868
5 years$303,084$288,611$274,876$261,842$249,474$217,576
6 years$250,036$235,673$222,141$209,397$197,400$166,946
7 years$212,160$197,918$184,600$172,157$160,539$131,533
8 years$183,766$169,652$156,556$144,418$133,183$105,612
9 years$161,694$147,712$134,841$123,012$112,159$86,003
10 years$144,046$130,201$117,558$106,038$95,565$70,795
11 years$129,616$115,911$103,496$92,285$82,189$58,771
12 years$117,600$104,035$91,850$80,946$71,223$49,119
13 years$107,440$94,017$82,062$71,463$62,108$41,275
14 years$98,740$85,459$73,733$63,437$54,444$34,839
15 years$91,206$78,068$66,571$56,575$47,936$29,514
16 years$84,620$71,626$60,356$50,657$42,366$25,079
17 years$78,815$65,965$54,922$45,515$37,565$21,364
18 years$73,661$60,955$50,137$41,018$33,401$18,239
19 years$69,055$56,492$45,898$37,063$29,771$15,599
20 years$64,915$52,495$42,123$33,568$26,592$13,361
21 years$61,174$48,897$38,745$30,465$23,797$11,459
22 years$57,777$45,644$35,709$27,700$21,331$9,839
23 years$54,681$42,690$32,971$25,226$19,148$8,455
24 years$51,846$39,998$30,493$23,008$17,210$7,272
25 years$49,243$37,536$28,242$21,012$15,487$6,259
26 years$46,843$35,278$26,193$19,213$13,950$5,390
27 years$44,626$33,200$24,323$17,586$12,577$4,644
28 years$42,570$31,284$22,611$16,112$11,348$4,003
29 years$40,659$29,513$21,042$14,775$10,247$3,452
30 years$38,879$27,872$19,600$13,560$9,259$2,977
31 years$37,218$26,348$18,272$12,454$8,371$2,569
32 years$35,663$24,931$17,048$11,445$7,572$2,217
33 years$34,205$23,610$15,918$10,525$6,853$1,914
34 years$32,836$22,377$14,873$9,684$6,205$1,652
35 years$31,549$21,224$13,905$8,915$5,620$1,427
36 years$30,335$20,145$13,008$8,210$5,092$1,232
37 years$29,190$19,133$12,175$7,564$4,615$1,064
38 years$28,108$18,183$11,401$6,972$4,184$919
39 years$27,083$17,290$10,682$6,429$3,794$794
40 years$26,113$16,450$10,012$5,930$3,441$686
41 years$25,192$15,659$9,388$5,471$3,122$593
42 years$24,317$14,913$8,806$5,049$2,833$512
43 years$23,485$14,209$8,264$4,661$2,571$442
44 years$22,694$13,545$7,757$4,303$2,334$382
45 years$21,939$12,916$7,283$3,974$2,119$330
46 years$21,220$12,321$6,841$3,671$1,924$285
47 years$20,533$11,758$6,427$3,392$1,747$247
48 years$19,876$11,225$6,039$3,134$1,586$213
49 years$19,249$10,719$5,677$2,896$1,441$184
50 years$18,648$10,239$5,337$2,677$1,309$159

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $19,100,000, adding $6,696 every year, while hoping to spend $46,485 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: 48/45/7 Blend
44$19,100,000$19,100,000$19,100,000$19,100,000
45$21,055,107$20,042,807$19,746,757$22,026,589
46$23,153,268$20,975,445$20,358,814$23,625,098
47$25,463,884$21,952,224$20,989,816$25,354,174
48$28,008,575$22,975,258$21,640,350$27,230,318
49$30,811,168$24,046,763$22,311,020$29,267,222
50$33,897,914$25,169,063$23,002,447$31,479,916
51$37,297,746$26,344,591$23,715,272$33,884,898
52$41,042,540$27,575,900$24,450,159$36,500,283
53$45,167,427$28,865,667$25,207,787$39,345,966
54$49,711,117$30,216,697$25,988,860$42,443,798
55$54,716,267$31,631,931$26,794,103$45,817,785
56$60,229,882$33,114,452$27,624,261$49,494,300
57$66,303,761$34,667,491$28,480,105$53,502,323
58$72,994,985$36,294,438$29,362,429$57,873,706
59$80,366,453$37,998,845$30,272,050$62,643,455
60$88,487,479$39,784,437$31,209,811$67,850,055
61$97,434,445$41,655,117$32,176,583$73,535,814
62$107,291,521$43,614,980$33,173,260$79,747,253
63$118,151,459$45,668,317$34,200,768$86,535,526
64$130,116,471$47,819,628$35,260,057$93,956,893
65$143,299,192$50,073,630$36,352,110$102,073,231
66$157,823,741$52,435,270$37,477,937$110,952,603
67$173,826,898$54,909,734$38,638,583$120,669,883
68$191,459,389$57,502,458$39,835,123$131,307,443
69$210,887,311$60,219,143$41,068,664$142,955,915
70$232,293,702$63,065,766$42,340,349$155,715,021
71$255,880,265$66,048,594$43,651,357$169,694,499
72$281,869,275$69,174,197$45,002,900$185,015,112
73$310,505,674$72,449,466$46,396,230$201,809,769
74$342,059,386$75,881,624$47,832,637$220,224,751
75$376,827,864$79,478,244$49,313,451$240,421,072
76$415,138,897$83,247,269$50,840,043$262,575,967
77$457,353,706$87,197,026$52,413,825$286,884,540
78$503,870,350$91,336,246$54,036,254$313,561,576
79$555,127,488$95,674,085$55,708,832$342,843,540
80$611,608,519$100,220,142$57,433,105$374,990,773
81$673,846,143$104,984,484$59,210,669$410,289,920
82$742,427,392$109,977,666$61,043,168$449,056,599
83$817,999,169$115,210,756$62,932,298$491,638,345
84$901,274,360$120,695,358$64,879,806$538,417,849
85$993,038,557$126,443,643$66,887,492$589,816,534
86$1,094,157,481$132,468,372$68,957,213$646,298,490
87$1,205,585,147$138,782,926$71,090,883$708,374,809
88$1,328,372,879$145,401,336$73,290,475$776,608,366
89$1,463,679,229$152,338,317$75,558,021$851,619,080
90$1,612,780,913$159,609,298$77,895,619$934,089,721
91$1,777,084,872$167,230,459$80,305,427$1,024,772,297
92$1,958,141,544$175,218,767$82,789,674$1,124,495,099
93$2,157,659,507$183,592,012$85,350,654$1,234,170,462
94$2,377,521,610$192,368,854$87,990,734$1,354,803,315
95$2,619,802,744$201,568,858$90,712,353$1,487,500,608
96$2,886,789,433$211,212,540$93,518,026$1,633,481,685
97$3,181,001,418$221,321,418$96,410,342$1,794,089,736
98$3,505,215,448$231,918,053$99,391,975$1,970,804,393
99$3,862,491,494$243,026,108$102,465,676$2,165,255,628
100$4,256,201,635$254,670,396$105,634,285$2,379,239,055