Can I retire at age 50 with 10,000,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$825,791$818,435$811,258$804,254$797,414$771,579
2 years$408,807$401,194$393,815$386,660$379,721$353,936
3 years$269,831$262,184$254,824$247,737$240,911$215,984
4 years$200,356$192,733$185,447$178,481$171,819$147,942
5 years$158,683$151,105$143,914$137,090$130,614$107,850
6 years$130,909$123,389$116,304$109,632$103,351$81,718
7 years$111,079$103,622$96,649$90,135$84,052$63,549
8 years$96,213$88,823$81,966$75,612$69,729$50,341
9 years$84,656$77,336$70,598$64,404$58,722$40,427
10 years$75,417$68,168$61,549$55,517$50,034$32,803
11 years$67,862$60,686$54,186$48,317$43,031$26,833
12 years$61,571$54,469$48,089$42,380$37,290$22,089
13 years$56,251$49,224$42,964$37,415$32,517$18,276
14 years$51,696$44,743$38,604$33,213$28,505$15,183
15 years$47,752$40,874$34,854$29,620$25,098$12,656
16 years$44,304$37,501$31,600$26,522$22,181$10,578
17 years$41,265$34,537$28,755$23,830$19,668$8,862
18 years$38,566$31,914$26,250$21,475$17,487$7,438
19 years$36,155$29,577$24,030$19,405$15,587$6,252
20 years$33,987$27,484$22,054$17,575$13,923$5,262
21 years$32,028$25,601$20,285$15,950$12,459$4,434
22 years$30,250$23,897$18,696$14,502$11,168$3,739
23 years$28,629$22,351$17,262$13,208$10,025$3,156
24 years$27,145$20,941$15,965$12,046$9,011$2,665
25 years$25,782$19,652$14,787$11,001$8,108$2,252
26 years$24,525$18,470$13,714$10,059$7,304$1,904
27 years$23,364$17,382$12,734$9,207$6,585$1,610
28 years$22,288$16,379$11,838$8,436$5,942$1,362
29 years$21,288$15,452$11,017$7,736$5,365$1,153
30 years$20,356$14,593$10,262$7,099$4,848$976
31 years$19,486$13,795$9,567$6,520$4,383$826
32 years$18,672$13,053$8,926$5,992$3,965$699
33 years$17,909$12,361$8,334$5,510$3,588$592
34 years$17,192$11,716$7,787$5,070$3,248$501
35 years$16,518$11,112$7,280$4,667$2,942$425
36 years$15,882$10,547$6,810$4,298$2,666$360
37 years$15,283$10,017$6,374$3,960$2,416$305
38 years$14,716$9,520$5,969$3,650$2,190$258
39 years$14,180$9,053$5,593$3,366$1,986$219
40 years$13,672$8,613$5,242$3,105$1,802$185
41 years$13,189$8,199$4,915$2,864$1,635$157
42 years$12,731$7,808$4,611$2,643$1,483$133
43 years$12,296$7,439$4,327$2,440$1,346$113
44 years$11,881$7,091$4,061$2,253$1,222$96
45 years$11,486$6,762$3,813$2,081$1,109$81
46 years$11,110$6,451$3,582$1,922$1,007$69
47 years$10,750$6,156$3,365$1,776$914$58
48 years$10,406$5,877$3,162$1,641$830$49
49 years$10,078$5,612$2,972$1,516$754$42
50 years$9,763$5,361$2,794$1,402$685$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $10,000,000, adding $3,479 every year, while hoping to spend $31,565 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: 32/38/30 Blend
49$10,000,000$10,000,000$10,000,000$10,000,000
50$11,023,589$10,493,589$10,338,589$11,275,572
51$12,114,410$10,974,190$10,651,346$11,951,066
52$13,315,437$11,477,282$10,973,524$12,675,095
53$14,637,877$12,003,935$11,305,403$13,454,340
54$16,094,081$12,555,268$11,647,274$14,293,695
55$17,697,656$13,132,455$11,999,437$15,198,517
56$19,463,599$13,736,727$12,362,199$16,174,682
57$21,408,432$14,369,373$12,735,879$17,228,628
58$23,550,364$15,031,744$13,120,803$18,367,417
59$25,909,459$15,725,257$13,517,307$19,598,793
60$28,507,825$16,451,396$13,925,739$20,931,252
61$31,369,826$17,211,717$14,346,454$22,374,116
62$34,522,309$18,007,852$14,779,821$23,937,617
63$37,994,857$18,841,509$15,226,217$25,632,985
64$41,820,070$19,714,481$15,686,033$27,472,552
65$46,033,871$20,628,644$16,159,669$29,469,859
66$50,675,847$21,585,969$16,647,539$31,639,778
67$55,789,620$22,588,518$17,150,068$33,998,647
68$61,423,260$23,638,454$17,667,694$36,564,416
69$67,629,739$24,738,045$18,200,869$39,356,808
70$74,467,430$25,889,667$18,750,055$42,397,500
71$82,000,658$27,095,811$19,315,733$45,710,316
72$90,300,308$28,359,089$19,898,393$49,321,447
73$99,444,494$29,682,238$20,498,543$53,259,687
74$109,519,294$31,068,129$21,116,706$57,556,698
75$120,619,564$32,519,770$21,753,418$62,247,295
76$132,849,834$34,040,314$22,409,232$67,369,769
77$146,325,296$35,633,067$23,084,720$72,966,235
78$161,172,884$37,301,496$23,780,467$79,083,019
79$177,532,483$39,049,234$24,497,077$85,771,086
80$195,558,240$40,880,090$25,235,172$93,086,506
81$215,420,023$42,798,057$25,995,393$101,090,971
82$237,305,026$44,807,322$26,778,399$109,852,367
83$261,419,532$46,912,274$27,584,869$119,445,398
84$287,990,863$49,117,515$28,415,501$129,952,278
85$317,269,527$51,427,869$29,271,016$141,463,492
86$349,531,577$53,848,393$30,152,154$154,078,634
87$385,081,224$56,384,390$31,059,677$167,907,330
88$424,253,704$59,041,420$31,994,371$183,070,259
89$467,418,444$61,825,312$32,957,045$199,700,269
90$514,982,550$64,742,177$33,948,530$217,943,617
91$567,394,648$67,798,422$34,969,684$237,961,326
92$625,149,123$71,000,765$36,021,389$259,930,687
93$688,790,781$74,356,250$37,104,553$284,046,911
94$758,919,996$77,872,262$38,220,111$310,524,947
95$836,198,376$81,556,543$39,369,026$339,601,491
96$921,355,011$85,417,214$40,552,288$371,537,191
97$1,015,193,350$89,462,786$41,770,918$406,619,088
98$1,118,598,795$93,702,185$43,025,967$445,163,291
99$1,232,547,049$98,144,770$44,318,515$487,517,940
100$1,358,113,339$102,800,354$45,649,675$534,066,458