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%15.3%
1 years$834,049$826,619$819,371$812,296$805,388$787,839
2 years$412,895$405,206$397,753$390,527$383,518$365,926
3 years$272,529$264,806$257,372$250,214$243,320$226,234
4 years$202,360$194,661$187,301$180,265$173,538$157,090
5 years$160,269$152,616$145,353$138,461$131,921$116,157
6 years$132,218$124,623$117,467$110,728$104,384$89,321
7 years$112,190$104,658$97,616$91,036$84,892$70,533
8 years$97,175$89,711$82,786$76,368$70,426$56,766
9 years$85,503$78,110$71,303$65,048$59,309$46,337
10 years$76,171$68,850$62,164$56,072$50,534$38,238
11 years$68,540$61,293$54,728$48,800$43,461$31,824
12 years$62,186$55,013$48,570$42,804$37,663$26,667
13 years$56,814$49,716$43,394$37,789$32,843$22,469
14 years$52,213$45,190$38,990$33,545$28,790$19,017
15 years$48,229$41,282$35,202$29,917$25,349$16,155
16 years$44,747$37,876$31,916$26,787$22,403$13,767
17 years$41,677$34,882$29,042$24,068$19,864$11,762
18 years$38,952$32,233$26,512$21,690$17,662$10,070
19 years$36,516$29,873$24,270$19,599$15,743$8,638
20 years$34,327$27,759$22,274$17,750$14,062$7,421
21 years$32,348$25,857$20,488$16,110$12,584$6,385
22 years$30,552$24,136$18,883$14,647$11,280$5,499
23 years$28,915$22,574$17,435$13,340$10,125$4,740
24 years$27,416$21,151$16,124$12,167$9,101$4,090
25 years$26,039$19,849$14,934$11,111$8,189$3,531
26 years$24,771$18,655$13,851$10,159$7,377$3,051
27 years$23,598$17,556$12,862$9,299$6,651$2,637
28 years$22,511$16,543$11,957$8,520$6,001$2,281
29 years$21,500$15,607$11,127$7,813$5,419$1,973
30 years$20,559$14,739$10,364$7,170$4,896$1,707
31 years$19,680$13,933$9,662$6,586$4,427$1,478
32 years$18,858$13,183$9,015$6,052$4,004$1,280
33 years$18,088$12,485$8,417$5,566$3,624$1,109
34 years$17,364$11,833$7,865$5,121$3,281$960
35 years$16,683$11,223$7,353$4,714$2,972$832
36 years$16,041$10,653$6,878$4,341$2,692$721
37 years$15,436$10,117$6,438$4,000$2,440$625
38 years$14,863$9,615$6,029$3,687$2,212$541
39 years$14,322$9,143$5,649$3,400$2,006$469
40 years$13,808$8,699$5,294$3,136$1,820$407
41 years$13,321$8,281$4,964$2,893$1,651$353
42 years$12,859$7,886$4,657$2,670$1,498$306
43 years$12,419$7,514$4,370$2,465$1,360$265
44 years$12,000$7,162$4,102$2,276$1,234$230
45 years$11,601$6,830$3,851$2,102$1,120$199
46 years$11,221$6,515$3,617$1,941$1,017$173
47 years$10,858$6,218$3,398$1,794$924$150
48 years$10,511$5,936$3,194$1,657$839$130
49 years$10,179$5,668$3,002$1,532$762$113
50 years$9,861$5,415$2,822$1,416$692$98

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 $3,029 every year, while hoping to spend $39,208 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: 65/6/29 Blend
49$10,100,000$10,100,000$10,100,000$10,100,000
50$11,133,324$10,598,024$10,441,474$11,771,060
51$12,227,206$11,075,611$10,749,547$12,680,541
52$13,431,350$11,575,284$11,066,626$13,669,656
53$14,756,962$12,098,087$11,392,971$14,750,014
54$16,216,387$12,645,108$11,728,851$15,930,609
55$17,823,231$13,217,492$12,074,540$17,221,339
56$19,592,486$13,816,434$12,430,323$18,633,105
57$21,540,671$14,443,190$12,796,489$20,177,904
58$23,685,987$15,099,075$13,173,340$21,868,948
59$26,048,493$15,785,465$13,561,182$23,720,784
60$28,650,291$16,503,803$13,960,333$25,749,428
61$31,515,735$17,255,604$14,371,118$27,972,519
62$34,671,662$18,042,451$14,793,872$30,409,481
63$38,147,645$18,866,004$15,228,941$33,081,705
64$41,976,272$19,728,006$15,676,678$36,012,749
65$46,193,452$20,630,278$16,137,447$39,228,559
66$50,838,756$21,574,734$16,611,623$42,757,712
67$55,955,789$22,563,375$17,099,592$46,631,684
68$61,592,600$23,598,302$17,601,749$50,885,145
69$67,802,140$24,681,713$18,118,503$55,556,283
70$74,642,756$25,815,915$18,650,271$60,687,164
71$82,178,747$27,003,325$19,197,484$66,324,124
72$90,480,965$28,246,473$19,760,585$72,518,209
73$99,627,489$29,548,016$20,340,030$79,325,651
74$109,704,358$30,910,734$20,936,287$86,808,394
75$120,806,386$32,337,544$21,549,836$95,034,682
76$133,038,055$33,831,501$22,181,173$104,079,696
77$146,514,501$35,395,809$22,830,807$114,026,262
78$161,362,601$37,033,825$23,499,260$124,965,630
79$177,722,171$38,749,067$24,187,070$136,998,335
80$195,747,286$40,545,225$24,894,791$150,235,136
81$215,607,733$42,426,164$25,622,989$164,798,068
82$237,490,613$44,395,937$26,372,251$180,821,580
83$261,602,110$46,458,793$27,143,176$198,453,811
84$288,169,434$48,619,183$27,936,381$217,857,976
85$317,442,969$50,881,775$28,752,502$239,213,909
86$349,698,632$53,251,462$29,592,191$262,719,753
87$385,240,482$55,733,373$30,456,119$288,593,831
88$424,403,587$58,332,885$31,344,975$317,076,697
89$467,557,189$61,055,632$32,259,468$348,433,406
90$515,108,188$63,907,524$33,200,326$382,956,011
91$567,504,985$66,894,754$34,168,298$420,966,316
92$625,241,711$70,023,814$35,164,154$462,818,908
93$688,862,896$73,301,512$36,188,684$508,904,498
94$758,968,608$76,734,983$37,242,701$559,653,609
95$836,220,116$80,331,707$38,327,042$615,540,629
96$921,346,134$84,099,527$39,442,564$677,088,287
97$1,015,149,701$88,046,665$40,590,151$744,872,582
98$1,118,515,758$92,181,739$41,770,709$819,528,214
99$1,232,419,509$96,513,787$42,985,170$901,754,567
100$1,357,935,618$101,052,283$44,234,493$992,322,310