Can I retire at age 45 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$751,469$744,776$738,245$731,871$725,647$718,368
2 years$372,015$365,086$358,371$351,861$345,546$338,215
3 years$245,546$238,588$231,890$225,441$219,229$212,072
4 years$182,324$175,387$168,757$162,417$156,356$149,429
5 years$144,401$137,506$130,962$124,752$118,859$112,183
6 years$119,127$112,284$105,837$99,765$94,049$87,632
7 years$101,082$94,296$87,951$82,023$76,487$70,331
8 years$87,554$80,829$74,589$68,807$63,453$57,559
9 years$77,037$70,376$64,244$58,608$53,437$47,801
10 years$68,629$62,033$56,009$50,521$45,531$40,151
11 years$61,754$55,224$49,310$43,968$39,158$34,029
12 years$56,029$49,566$43,761$38,566$33,934$29,051
13 years$51,189$44,794$39,098$34,048$29,591$24,948
14 years$47,043$40,716$35,129$30,224$25,939$21,531
15 years$43,454$37,195$31,717$26,954$22,839$18,658
16 years$40,316$34,126$28,756$24,135$20,185$16,225
17 years$37,551$31,428$26,167$21,685$17,897$14,150
18 years$35,095$29,041$23,887$19,542$15,914$12,373
19 years$32,901$26,915$21,867$17,658$14,184$10,841
20 years$30,928$25,011$20,069$15,993$12,670$9,518
21 years$29,146$23,297$18,459$14,515$11,338$8,369
22 years$27,527$21,747$17,013$13,197$10,163$7,369
23 years$26,052$20,339$15,709$12,019$9,123$6,497
24 years$24,702$19,056$14,528$10,962$8,200$5,734
25 years$23,461$17,884$13,456$10,011$7,378$5,066
26 years$22,318$16,808$12,480$9,154$6,646$4,479
27 years$21,261$15,818$11,588$8,379$5,992$3,963
28 years$20,282$14,905$10,773$7,677$5,407$3,508
29 years$19,372$14,061$10,025$7,040$4,882$3,108
30 years$18,524$13,279$9,338$6,461$4,411$2,754
31 years$17,732$12,553$8,706$5,933$3,988$2,442
32 years$16,991$11,878$8,122$5,453$3,608$2,166
33 years$16,297$11,249$7,584$5,015$3,265$1,922
34 years$15,645$10,661$7,086$4,614$2,956$1,706
35 years$15,031$10,112$6,625$4,247$2,677$1,515
36 years$14,453$9,598$6,197$3,912$2,426$1,345
37 years$13,907$9,116$5,801$3,604$2,199$1,195
38 years$13,392$8,663$5,432$3,322$1,993$1,061
39 years$12,904$8,238$5,089$3,063$1,808$943
40 years$12,441$7,838$4,770$2,825$1,640$838
41 years$12,002$7,461$4,473$2,607$1,487$745
42 years$11,586$7,105$4,196$2,406$1,350$662
43 years$11,189$6,770$3,937$2,221$1,225$588
44 years$10,812$6,453$3,696$2,050$1,112$523
45 years$10,453$6,154$3,470$1,894$1,009$465
46 years$10,110$5,870$3,259$1,749$916$414
47 years$9,783$5,602$3,062$1,616$832$368
48 years$9,470$5,348$2,877$1,493$756$327
49 years$9,171$5,107$2,705$1,380$686$291
50 years$8,885$4,878$2,543$1,276$623$259

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 45 starting with $9,100,000, adding $2,179 every year, while hoping to spend $24,373 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: 53/37/10 Blend
44$9,100,000$9,100,000$9,100,000$9,100,000
45$10,030,448$9,548,148$9,407,098$10,536,360
46$11,027,621$9,990,074$9,696,303$11,322,311
47$12,125,688$10,452,838$9,994,379$12,174,129
48$13,334,916$10,937,435$10,301,599$13,100,293
49$14,666,617$11,444,908$10,618,241$14,107,841
50$16,133,254$11,976,351$10,944,594$15,204,511
51$17,748,563$12,532,909$11,280,956$16,398,798
52$19,527,680$13,115,785$11,627,631$17,700,042
53$21,487,283$13,726,238$11,984,936$19,118,504
54$23,645,750$14,365,589$12,353,196$20,665,466
55$26,023,334$15,035,220$12,732,746$22,353,327
56$28,642,352$15,736,584$13,123,931$24,195,722
57$31,527,396$16,471,200$13,527,106$26,207,639
58$34,705,565$17,240,664$13,942,639$28,405,565
59$38,206,722$18,046,646$14,370,907$30,807,628
60$42,063,775$18,890,899$14,812,300$33,433,768
61$46,312,986$19,775,259$15,267,218$36,305,920
62$50,994,316$20,701,652$15,736,075$39,448,213
63$56,151,800$21,672,096$16,219,297$42,887,194
64$61,833,963$22,688,709$16,717,323$46,652,072
65$68,094,279$23,753,708$17,230,605$50,774,986
66$74,991,675$24,869,419$17,759,610$55,291,303
67$82,591,086$26,038,281$18,304,818$60,239,948
68$90,964,071$27,262,850$18,866,723$65,663,757
69$100,189,484$28,545,807$19,445,835$71,609,879
70$110,354,222$29,889,962$20,042,681$78,130,213
71$121,554,043$31,298,262$20,657,802$85,281,886
72$133,894,473$32,773,794$21,291,756$93,127,789
73$147,491,797$34,319,797$21,945,117$101,737,155
74$162,474,160$35,939,667$22,618,479$111,186,209
75$178,982,778$37,636,965$23,312,452$121,558,874
76$197,173,267$39,415,422$24,027,665$132,947,552
77$217,217,115$41,278,952$24,764,766$145,453,990
78$239,303,299$43,231,658$25,524,423$159,190,222
79$263,640,069$45,277,844$26,307,325$174,279,622
80$290,456,917$47,422,019$27,114,182$190,858,049
81$320,006,739$49,668,914$27,945,723$209,075,122
82$352,568,223$52,023,488$28,802,702$229,095,615
83$388,448,484$54,490,941$29,685,895$251,101,000
84$427,985,959$57,076,726$30,596,101$275,291,142
85$471,553,601$59,786,560$31,534,145$301,886,174
86$519,562,405$62,626,438$32,500,875$331,128,556
87$572,465,282$65,602,646$33,497,167$363,285,346
88$630,761,339$68,721,774$34,523,920$398,650,704
89$695,000,589$71,990,734$35,582,065$437,548,648
90$765,789,143$75,416,773$36,672,557$480,336,096
91$843,794,931$79,007,491$37,796,384$527,406,211
92$929,754,012$82,770,856$38,954,561$579,192,093
93$1,024,477,517$86,715,224$40,148,135$636,170,844
94$1,128,859,311$90,849,357$41,378,184$698,868,046
95$1,243,884,427$95,182,442$42,645,820$767,862,699
96$1,370,638,372$99,724,115$43,952,188$843,792,663
97$1,510,317,368$104,484,478$45,298,468$927,360,646
98$1,664,239,648$109,474,127$46,685,875$1,019,340,814
99$1,833,857,903$114,704,170$48,115,663$1,120,586,067
100$2,020,772,993$120,186,258$49,589,122$1,232,036,059