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

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 $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$842,306$834,804$827,484$820,339$813,362$781,709
2 years$416,983$409,217$401,691$394,394$387,315$355,807
3 years$275,228$267,428$259,921$252,692$245,729$215,358
4 years$204,364$196,588$189,156$182,050$175,256$146,254
5 years$161,856$154,127$146,793$139,832$133,227$105,667
6 years$133,527$125,857$118,630$111,825$105,418$79,319
7 years$113,300$105,694$98,582$91,937$85,733$61,087
8 years$98,137$90,599$83,606$77,124$71,124$47,906
9 years$86,349$78,883$72,009$65,692$59,896$38,072
10 years$76,925$69,532$62,779$56,628$51,035$30,563
11 years$69,219$61,900$55,270$49,283$43,892$24,725
12 years$62,802$55,558$49,051$43,228$38,036$20,124
13 years$57,377$50,208$43,824$38,164$33,168$16,458
14 years$52,730$45,638$39,376$33,877$29,075$13,512
15 years$48,707$41,691$35,551$30,213$25,600$11,128
16 years$45,190$38,251$32,232$27,052$22,625$9,187
17 years$42,090$35,227$29,330$24,306$20,061$7,600
18 years$39,337$32,552$26,775$21,905$17,837$6,298
19 years$36,878$30,169$24,511$19,793$15,899$5,227
20 years$34,667$28,034$22,495$17,926$14,201$4,342
21 years$32,669$26,113$20,691$16,269$12,708$3,611
22 years$30,855$24,375$19,070$14,792$11,391$3,005
23 years$29,201$22,798$17,608$13,472$10,225$2,502
24 years$27,688$21,360$16,284$12,287$9,191$2,085
25 years$26,297$20,045$15,082$11,221$8,270$1,738
26 years$25,016$18,839$13,988$10,260$7,450$1,449
27 years$23,831$17,730$12,989$9,391$6,716$1,209
28 years$22,734$16,707$12,075$8,604$6,060$1,009
29 years$21,713$15,761$11,237$7,890$5,472$842
30 years$20,763$14,885$10,467$7,241$4,945$703
31 years$19,875$14,071$9,758$6,651$4,470$586
32 years$19,045$13,314$9,104$6,112$4,044$490
33 years$18,267$12,609$8,501$5,621$3,660$409
34 years$17,536$11,950$7,943$5,172$3,313$341
35 years$16,848$11,334$7,426$4,761$3,001$285
36 years$16,200$10,758$6,947$4,384$2,719$238
37 years$15,588$10,218$6,502$4,040$2,464$199
38 years$15,010$9,710$6,089$3,723$2,234$166
39 years$14,463$9,234$5,704$3,433$2,026$139
40 years$13,945$8,785$5,347$3,167$1,838$116
41 years$13,453$8,363$5,014$2,922$1,667$97
42 years$12,986$7,964$4,703$2,696$1,513$81
43 years$12,542$7,588$4,413$2,489$1,373$68
44 years$12,119$7,233$4,142$2,298$1,246$56
45 years$11,716$6,898$3,890$2,122$1,131$47
46 years$11,332$6,580$3,653$1,961$1,027$39
47 years$10,965$6,279$3,432$1,811$933$33
48 years$10,615$5,994$3,225$1,674$847$27
49 years$10,279$5,724$3,032$1,547$769$23
50 years$9,959$5,468$2,850$1,430$699$19

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 $3,817 every year, while hoping to spend $29,532 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: 41/41/18 Blend
49$10,200,000$10,200,000$10,200,000$10,200,000
50$11,244,337$10,703,737$10,545,637$11,645,524
51$12,359,838$11,196,799$10,867,494$12,423,868
52$13,588,130$11,713,030$11,199,144$13,262,625
53$14,940,686$12,253,536$11,540,882$14,169,846
54$16,430,151$12,819,474$11,893,016$15,151,799
55$18,070,454$13,412,056$12,255,860$16,215,358
56$19,876,948$14,032,554$12,629,739$17,368,067
57$21,866,548$14,682,301$13,014,987$18,618,204
58$24,057,895$15,362,693$13,411,949$19,974,856
59$26,471,530$16,075,195$13,820,979$21,448,000
60$29,130,088$16,821,340$14,242,443$23,048,590
61$32,058,509$17,602,739$14,676,717$24,788,658
62$35,284,280$18,421,076$15,124,190$26,681,420
63$38,837,688$19,278,119$15,585,261$28,741,394
64$42,752,107$20,175,722$16,060,342$30,984,533
65$47,064,315$21,115,826$16,549,857$33,428,370
66$51,814,840$22,100,467$17,054,243$36,092,171
67$57,048,344$23,131,779$17,573,949$38,997,118
68$62,814,038$24,212,000$18,109,440$42,166,494
69$69,166,157$25,343,474$18,661,193$45,625,900
70$76,164,462$26,528,662$19,229,700$49,403,489
71$83,874,810$27,770,139$19,815,468$53,530,216
72$92,369,772$29,070,608$20,419,018$58,040,133
73$101,729,323$30,432,901$21,040,889$62,970,689
74$112,041,590$31,859,989$21,681,634$68,363,085
75$123,403,687$33,354,984$22,341,825$74,262,643
76$135,922,635$34,921,150$23,022,048$80,719,230
77$149,716,367$36,561,910$23,722,909$87,787,715
78$164,914,843$38,280,849$24,445,033$95,528,476
79$181,661,276$40,081,730$25,189,061$104,007,957
80$200,113,487$41,968,495$25,955,655$113,299,284
81$220,445,390$43,945,279$26,745,497$123,482,939
82$242,848,637$46,016,416$27,559,289$134,647,510
83$267,534,427$48,186,449$28,397,754$146,890,508
84$294,735,498$50,460,144$29,261,638$160,319,279
85$324,708,323$52,842,496$30,151,707$175,051,993
86$357,735,535$55,338,741$31,068,752$191,218,750
87$394,128,593$57,954,372$32,013,588$208,962,784
88$434,230,719$60,695,146$32,987,053$228,441,805
89$478,420,143$63,567,099$33,990,011$249,829,462
90$527,113,673$66,576,562$35,023,351$273,316,963
91$580,770,625$69,730,171$36,087,991$299,114,863
92$639,897,164$73,034,885$37,184,873$327,455,026
93$705,051,079$76,497,999$38,314,972$358,592,791
94$776,847,053$80,127,165$39,479,287$392,809,361
95$855,962,461$83,930,403$40,678,851$430,414,429
96$943,143,765$87,916,127$41,914,726$471,749,079
97$1,039,213,566$92,093,154$43,188,007$517,188,974
98$1,145,078,365$96,470,734$44,499,820$567,147,877
99$1,261,737,122$101,058,563$45,851,327$622,081,526
100$1,390,290,685$105,866,810$47,243,723$682,491,901