Can I retire at age 50 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$834,049$826,619$819,371$812,296$805,388$783,693
2 years$412,895$405,206$397,753$390,527$383,518$361,816
3 years$272,529$264,806$257,372$250,214$243,320$222,289
4 years$202,360$194,661$187,301$180,265$173,538$153,341
5 years$160,269$152,616$145,353$138,461$131,921$112,613
6 years$132,218$124,623$117,467$110,728$104,384$85,984
7 years$112,190$104,658$97,616$91,036$84,892$67,401
8 years$97,175$89,711$82,786$76,368$70,426$53,834
9 years$85,503$78,110$71,303$65,048$59,309$43,601
10 years$76,171$68,850$62,164$56,072$50,534$35,691
11 years$68,540$61,293$54,728$48,800$43,461$29,459
12 years$62,186$55,013$48,570$42,804$37,663$24,476
13 years$56,814$49,716$43,394$37,789$32,843$20,444
14 years$52,213$45,190$38,990$33,545$28,790$17,150
15 years$48,229$41,282$35,202$29,917$25,349$14,437
16 years$44,747$37,876$31,916$26,787$22,403$12,189
17 years$41,677$34,882$29,042$24,068$19,864$10,316
18 years$38,952$32,233$26,512$21,690$17,662$8,749
19 years$36,516$29,873$24,270$19,599$15,743$7,432
20 years$34,327$27,759$22,274$17,750$14,062$6,323
21 years$32,348$25,857$20,488$16,110$12,584$5,385
22 years$30,552$24,136$18,883$14,647$11,280$4,591
23 years$28,915$22,574$17,435$13,340$10,125$3,918
24 years$27,416$21,151$16,124$12,167$9,101$3,346
25 years$26,039$19,849$14,934$11,111$8,189$2,859
26 years$24,771$18,655$13,851$10,159$7,377$2,444
27 years$23,598$17,556$12,862$9,299$6,651$2,091
28 years$22,511$16,543$11,957$8,520$6,001$1,789
29 years$21,500$15,607$11,127$7,813$5,419$1,531
30 years$20,559$14,739$10,364$7,170$4,896$1,311
31 years$19,680$13,933$9,662$6,586$4,427$1,123
32 years$18,858$13,183$9,015$6,052$4,004$962
33 years$18,088$12,485$8,417$5,566$3,624$824
34 years$17,364$11,833$7,865$5,121$3,281$706
35 years$16,683$11,223$7,353$4,714$2,972$605
36 years$16,041$10,653$6,878$4,341$2,692$519
37 years$15,436$10,117$6,438$4,000$2,440$445
38 years$14,863$9,615$6,029$3,687$2,212$381
39 years$14,322$9,143$5,649$3,400$2,006$327
40 years$13,808$8,699$5,294$3,136$1,820$280
41 years$13,321$8,281$4,964$2,893$1,651$240
42 years$12,859$7,886$4,657$2,670$1,498$206
43 years$12,419$7,514$4,370$2,465$1,360$177
44 years$12,000$7,162$4,102$2,276$1,234$151
45 years$11,601$6,830$3,851$2,102$1,120$130
46 years$11,221$6,515$3,617$1,941$1,017$111
47 years$10,858$6,218$3,398$1,794$924$95
48 years$10,511$5,936$3,194$1,657$839$82
49 years$10,179$5,668$3,002$1,532$762$70
50 years$9,861$5,415$2,822$1,416$692$60

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $10,100,000, adding $5,181 every year, while hoping to spend $49,434 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: 46/47/7 Blend
49$10,100,000$10,100,000$10,100,000$10,100,000
50$11,135,544$10,600,244$10,443,694$11,626,231
51$12,218,772$11,067,059$10,740,961$12,431,189
52$13,410,833$11,555,090$11,046,529$13,298,309
53$14,722,775$12,065,327$11,360,624$14,237,767
54$16,166,772$12,598,802$11,683,479$15,256,262
55$17,756,238$13,156,598$12,015,331$16,361,144
56$19,505,954$13,739,852$12,356,424$17,560,483
57$21,432,207$14,349,750$12,707,010$18,863,140
58$23,552,941$14,987,537$13,067,344$20,278,844
59$25,887,932$15,654,517$13,437,691$21,818,280
60$28,458,969$16,352,056$13,818,321$23,493,188
61$31,290,061$17,081,584$14,209,513$25,316,463
62$34,407,665$17,844,600$14,611,549$27,302,278
63$37,840,935$18,642,673$15,024,724$29,466,204
64$41,621,994$19,477,448$15,449,336$31,825,360
65$45,786,241$20,350,647$15,885,693$34,398,561
66$50,372,684$21,264,075$16,334,110$37,206,494
67$55,424,306$22,219,623$16,794,911$40,271,904
68$60,988,473$23,219,271$17,268,428$43,619,801
69$67,117,377$24,265,096$17,755,000$47,277,692
70$73,868,534$25,359,270$18,254,977$51,275,829
71$81,305,322$26,504,072$18,768,716$55,647,490
72$89,497,582$27,701,888$19,296,585$60,429,281
73$98,522,274$28,955,220$19,838,960$65,661,476
74$108,464,207$30,266,687$20,396,226$71,388,386
75$119,416,837$31,639,035$20,968,780$77,658,767
76$131,483,146$33,075,140$21,557,027$84,526,272
77$144,776,622$34,578,016$22,161,382$92,049,947
78$159,422,322$36,150,823$22,782,272$100,294,772
79$175,558,055$37,796,870$23,420,134$109,332,271
80$193,335,684$39,519,624$24,075,417$119,241,169
81$212,922,559$41,322,721$24,748,578$130,108,122
82$234,503,094$43,209,969$25,440,090$142,028,528
83$258,280,511$45,185,358$26,150,434$155,107,405
84$284,478,754$47,253,072$26,880,105$169,460,375
85$313,344,608$49,417,493$27,629,609$185,214,734
86$345,150,022$51,683,214$28,399,465$202,510,643
87$380,194,683$54,055,051$29,190,206$221,502,430
88$418,808,840$56,538,047$30,002,377$242,360,032
89$461,356,421$59,137,491$30,836,535$265,270,580
90$508,238,471$61,858,923$31,693,255$290,440,145
91$559,896,936$64,708,151$32,573,120$318,095,665
92$616,818,837$67,691,264$33,476,733$348,487,064
93$679,540,862$70,814,640$34,404,707$381,889,593
94$748,654,439$74,084,966$35,357,674$418,606,399
95$824,811,313$77,509,251$36,336,278$458,971,369
96$908,729,704$81,094,841$37,341,179$503,352,251
97$1,001,201,081$84,849,435$38,373,056$552,154,104
98$1,103,097,638$88,781,105$39,432,601$605,823,090
99$1,215,380,527$92,898,308$40,520,522$664,850,657
100$1,339,108,928$97,209,913$41,637,547$729,778,150