Can I retire at age 50 with 10,200,000?

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 $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$842,306$834,804$827,484$820,339$813,362$785,128
2 years$416,983$409,217$401,691$394,394$387,315$359,162
3 years$275,228$267,428$259,921$252,692$245,729$218,541
4 years$204,364$196,588$189,156$182,050$175,256$149,241
5 years$161,856$154,127$146,793$139,832$133,227$108,453
6 years$133,527$125,857$118,630$111,825$105,418$81,905
7 years$113,300$105,694$98,582$91,937$85,733$63,476
8 years$98,137$90,599$83,606$77,124$71,124$50,106
9 years$86,349$78,883$72,009$65,692$59,896$40,090
10 years$76,925$69,532$62,779$56,628$51,035$32,408
11 years$69,219$61,900$55,270$49,283$43,892$26,406
12 years$62,802$55,558$49,051$43,228$38,036$21,651
13 years$57,377$50,208$43,824$38,164$33,168$17,841
14 years$52,730$45,638$39,376$33,877$29,075$14,760
15 years$48,707$41,691$35,551$30,213$25,600$12,251
16 years$45,190$38,251$32,232$27,052$22,625$10,195
17 years$42,090$35,227$29,330$24,306$20,061$8,503
18 years$39,337$32,552$26,775$21,905$17,837$7,105
19 years$36,878$30,169$24,511$19,793$15,899$5,945
20 years$34,667$28,034$22,495$17,926$14,201$4,981
21 years$32,669$26,113$20,691$16,269$12,708$4,178
22 years$30,855$24,375$19,070$14,792$11,391$3,507
23 years$29,201$22,798$17,608$13,472$10,225$2,946
24 years$27,688$21,360$16,284$12,287$9,191$2,476
25 years$26,297$20,045$15,082$11,221$8,270$2,082
26 years$25,016$18,839$13,988$10,260$7,450$1,752
27 years$23,831$17,730$12,989$9,391$6,716$1,474
28 years$22,734$16,707$12,075$8,604$6,060$1,241
29 years$21,713$15,761$11,237$7,890$5,472$1,045
30 years$20,763$14,885$10,467$7,241$4,945$880
31 years$19,875$14,071$9,758$6,651$4,470$741
32 years$19,045$13,314$9,104$6,112$4,044$625
33 years$18,267$12,609$8,501$5,621$3,660$526
34 years$17,536$11,950$7,943$5,172$3,313$443
35 years$16,848$11,334$7,426$4,761$3,001$374
36 years$16,200$10,758$6,947$4,384$2,719$315
37 years$15,588$10,218$6,502$4,040$2,464$266
38 years$15,010$9,710$6,089$3,723$2,234$224
39 years$14,463$9,234$5,704$3,433$2,026$189
40 years$13,945$8,785$5,347$3,167$1,838$159
41 years$13,453$8,363$5,014$2,922$1,667$134
42 years$12,986$7,964$4,703$2,696$1,513$113
43 years$12,542$7,588$4,413$2,489$1,373$95
44 years$12,119$7,233$4,142$2,298$1,246$80
45 years$11,716$6,898$3,890$2,122$1,131$68
46 years$11,332$6,580$3,653$1,961$1,027$57
47 years$10,965$6,279$3,432$1,811$933$48
48 years$10,615$5,994$3,225$1,674$847$41
49 years$10,279$5,724$3,032$1,547$769$34
50 years$9,959$5,468$2,850$1,430$699$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $10,200,000, adding $4,325 every year, while hoping to spend $31,129 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: 57/26/17 Blend
49$10,200,000$10,200,000$10,200,000$10,200,000
50$11,244,861$10,704,261$10,546,161$11,835,394
51$12,358,716$11,195,649$10,866,337$12,728,202
52$13,585,141$11,710,071$11,196,195$13,696,907
53$14,935,585$12,248,624$11,536,027$14,751,849
54$16,422,664$12,812,457$11,886,133$15,901,319
55$18,060,280$13,402,771$12,246,823$17,154,433
56$19,863,752$14,020,830$12,618,415$18,521,212
57$21,849,959$14,667,956$13,001,236$20,012,679
58$24,037,503$15,345,534$13,395,626$21,640,954
59$26,446,881$16,055,017$13,801,932$23,419,370
60$29,100,677$16,797,928$14,220,511$25,362,592
61$32,023,782$17,575,862$14,651,734$27,486,754
62$35,243,621$18,390,492$15,095,980$29,809,606
63$38,790,415$19,243,572$15,553,641$32,350,680
64$42,697,470$20,136,939$16,025,119$35,131,466
65$47,001,482$21,072,519$16,510,831$38,175,615
66$51,742,893$22,052,332$17,011,204$41,509,156
67$56,966,266$23,078,495$17,526,678$45,160,735
68$62,720,710$24,153,226$18,057,706$49,161,883
69$69,060,340$25,278,851$18,604,756$53,547,311
70$76,044,788$26,457,809$19,168,310$58,355,224
71$83,739,770$27,692,654$19,748,861$63,627,686
72$92,217,699$28,986,067$20,346,921$69,411,003
73$101,558,377$30,340,857$20,963,015$75,756,159
74$111,849,739$31,759,967$21,597,684$82,719,289
75$123,188,691$33,246,484$22,251,485$90,362,204
76$135,682,020$34,803,644$22,924,992$98,752,964
77$149,447,403$36,434,840$23,618,797$107,966,515
78$164,614,519$38,143,627$24,333,507$118,085,392
79$181,326,270$39,933,735$25,069,749$129,200,484
80$199,740,133$41,809,072$25,828,169$141,411,888
81$220,029,646$43,773,735$26,609,432$154,829,845
82$242,386,043$45,832,022$27,414,222$169,575,770
83$267,020,065$47,988,436$28,243,243$185,783,388
84$294,163,942$50,247,700$29,097,222$203,599,990
85$324,073,591$52,614,764$29,976,906$223,187,809
86$357,031,029$55,094,819$30,883,064$244,725,541
87$393,347,037$57,693,309$31,816,490$268,410,025
88$433,364,091$60,415,937$32,777,999$294,458,084
89$477,459,598$63,268,688$33,768,432$323,108,560
90$526,049,457$66,257,833$34,788,654$354,624,561
91$579,591,983$69,389,949$35,839,556$389,295,923
92$638,592,240$72,671,931$36,922,056$427,441,938
93$703,606,803$76,111,010$38,037,099$469,414,352
94$775,249,013$79,714,765$39,185,657$515,600,668
95$854,194,769$83,491,146$40,368,733$566,427,789
96$941,188,908$87,448,485$41,587,359$622,366,032
97$1,037,052,237$91,595,521$42,842,596$683,933,547
98$1,142,689,281$95,941,417$44,135,539$751,701,196
99$1,259,096,821$100,495,780$45,467,313$826,297,915
100$1,387,373,308$105,268,684$46,839,078$908,416,635