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

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$834,049$826,619$819,371$812,296$805,388$790,097
2 years$412,895$405,206$397,753$390,527$383,518$368,172
3 years$272,529$264,806$257,372$250,214$243,320$228,397
4 years$202,360$194,661$187,301$180,265$173,538$159,153
5 years$160,269$152,616$145,353$138,461$131,921$118,116
6 years$132,218$124,623$117,467$110,728$104,384$91,174
7 years$112,190$104,658$97,616$91,036$84,892$72,280
8 years$97,175$89,711$82,786$76,368$70,426$58,409
9 years$85,503$78,110$71,303$65,048$59,309$47,879
10 years$76,171$68,850$62,164$56,072$50,534$39,681
11 years$68,540$61,293$54,728$48,800$43,461$33,172
12 years$62,186$55,013$48,570$42,804$37,663$27,923
13 years$56,814$49,716$43,394$37,789$32,843$23,637
14 years$52,213$45,190$38,990$33,545$28,790$20,101
15 years$48,229$41,282$35,202$29,917$25,349$17,159
16 years$44,747$37,876$31,916$26,787$22,403$14,694
17 years$41,677$34,882$29,042$24,068$19,864$12,618
18 years$38,952$32,233$26,512$21,690$17,662$10,859
19 years$36,516$29,873$24,270$19,599$15,743$9,363
20 years$34,327$27,759$22,274$17,750$14,062$8,087
21 years$32,348$25,857$20,488$16,110$12,584$6,994
22 years$30,552$24,136$18,883$14,647$11,280$6,056
23 years$28,915$22,574$17,435$13,340$10,125$5,249
24 years$27,416$21,151$16,124$12,167$9,101$4,554
25 years$26,039$19,849$14,934$11,111$8,189$3,954
26 years$24,771$18,655$13,851$10,159$7,377$3,435
27 years$23,598$17,556$12,862$9,299$6,651$2,986
28 years$22,511$16,543$11,957$8,520$6,001$2,597
29 years$21,500$15,607$11,127$7,813$5,419$2,260
30 years$20,559$14,739$10,364$7,170$4,896$1,967
31 years$19,680$13,933$9,662$6,586$4,427$1,713
32 years$18,858$13,183$9,015$6,052$4,004$1,492
33 years$18,088$12,485$8,417$5,566$3,624$1,300
34 years$17,364$11,833$7,865$5,121$3,281$1,132
35 years$16,683$11,223$7,353$4,714$2,972$987
36 years$16,041$10,653$6,878$4,341$2,692$860
37 years$15,436$10,117$6,438$4,000$2,440$750
38 years$14,863$9,615$6,029$3,687$2,212$654
39 years$14,322$9,143$5,649$3,400$2,006$570
40 years$13,808$8,699$5,294$3,136$1,820$497
41 years$13,321$8,281$4,964$2,893$1,651$434
42 years$12,859$7,886$4,657$2,670$1,498$378
43 years$12,419$7,514$4,370$2,465$1,360$330
44 years$12,000$7,162$4,102$2,276$1,234$288
45 years$11,601$6,830$3,851$2,102$1,120$251
46 years$11,221$6,515$3,617$1,941$1,017$219
47 years$10,858$6,218$3,398$1,794$924$191
48 years$10,511$5,936$3,194$1,657$839$167
49 years$10,179$5,668$3,002$1,532$762$145
50 years$9,861$5,415$2,822$1,416$692$127

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 $6,431 every year, while hoping to spend $22,379 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: 31/46/23 Blend
49$10,100,000$10,100,000$10,100,000$10,100,000
50$11,136,834$10,601,534$10,444,984$11,402,644
51$12,248,980$11,097,198$10,771,079$12,101,151
52$13,473,814$11,616,399$11,107,349$12,850,094
53$14,822,809$12,160,268$11,454,111$13,655,850
54$16,308,602$12,729,988$11,811,691$14,523,388
55$17,945,124$13,326,802$12,180,426$15,458,144
56$19,747,721$13,952,010$12,560,665$16,466,072
57$21,733,308$14,606,977$12,952,767$17,553,695
58$23,920,520$15,293,135$13,357,100$18,728,157
59$26,329,897$16,011,982$13,774,046$19,997,289
60$28,984,069$16,765,091$14,203,999$21,369,674
61$31,907,975$17,554,112$14,647,364$22,854,724
62$35,129,096$18,380,771$15,104,559$24,462,760
63$38,677,717$19,246,882$15,576,015$26,205,106
64$42,587,209$20,154,344$16,062,176$28,094,184
65$46,894,347$21,105,149$16,563,501$30,143,626
66$51,639,655$22,101,386$17,080,463$32,368,399
67$56,867,789$23,145,244$17,613,548$34,784,928
68$62,627,962$24,239,019$18,163,260$37,411,254
69$68,974,401$25,385,118$18,730,117$40,267,187
70$75,966,867$26,586,065$19,314,652$43,374,486
71$83,671,212$27,844,507$19,917,418$46,757,057
72$92,160,005$29,163,218$20,538,981$50,441,164
73$101,513,217$30,545,107$21,179,928$54,455,670
74$111,818,972$31,993,224$21,840,863$58,832,296
75$123,174,384$33,510,769$22,522,408$63,605,909
76$135,686,469$35,101,094$23,225,207$68,814,840
77$149,473,158$36,767,717$23,949,920$74,501,229
78$164,664,409$38,514,324$24,697,232$80,711,416
79$181,403,435$40,344,782$25,467,845$87,496,357
80$199,848,055$42,263,145$26,262,487$94,912,096
81$220,172,181$44,273,665$27,081,905$103,020,274
82$242,567,467$46,380,797$27,926,873$111,888,698
83$267,245,110$48,589,218$28,798,184$121,591,962
84$294,437,850$50,903,828$29,696,662$132,212,136
85$324,402,161$53,329,766$30,623,151$143,839,516
86$357,420,680$55,872,423$31,578,524$156,573,466
87$393,804,866$58,537,449$32,563,682$170,523,328
88$433,897,948$61,330,770$33,579,551$185,809,435
89$478,078,163$64,258,601$34,627,090$202,564,226
90$526,762,321$67,327,458$35,707,283$220,933,473
91$580,409,750$70,544,176$36,821,149$241,077,630
92$639,526,623$73,915,919$37,969,736$263,173,322
93$704,670,742$77,450,202$39,154,126$287,414,990
94$776,456,801$81,154,906$40,375,433$314,016,693
95$855,562,193$85,038,295$41,634,808$343,214,103
96$942,733,399$89,109,033$42,933,436$375,266,697
97$1,038,793,039$93,376,210$44,272,540$410,460,173
98$1,144,647,639$97,849,354$45,653,380$449,109,119
99$1,261,296,187$102,538,460$47,077,256$491,559,939
100$1,389,839,562$107,454,009$48,545,509$538,194,092