Can I retire at age 50 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$908,370$900,278$892,384$884,679$877,155$864,761
2 years$449,688$441,313$433,196$425,327$417,693$405,230
3 years$296,814$288,403$280,307$272,511$265,002$252,857
4 years$220,392$212,007$203,991$196,329$189,001$177,270
5 years$174,551$166,216$158,306$150,799$143,676$132,390
6 years$144,000$135,728$127,935$120,595$113,686$102,860
7 years$122,187$113,984$106,314$99,148$92,457$82,094
8 years$105,834$97,705$90,163$83,173$76,702$66,801
9 years$93,122$85,070$77,657$70,845$64,594$55,151
10 years$82,958$74,985$67,703$61,069$55,037$46,044
11 years$74,648$66,755$59,605$53,148$47,334$38,783
12 years$67,728$59,915$52,898$46,618$41,019$32,899
13 years$61,877$54,146$47,261$41,157$35,769$28,069
14 years$56,866$49,217$42,464$36,534$31,355$24,064
15 years$52,527$44,961$38,339$32,582$27,607$20,712
16 years$48,734$41,251$34,760$29,174$24,400$17,887
17 years$45,391$37,990$31,630$26,213$21,634$15,491
18 years$42,423$35,105$28,874$23,623$19,236$13,448
19 years$39,770$32,535$26,433$21,345$17,146$11,698
20 years$37,386$30,233$24,259$19,332$15,315$10,194
21 years$35,231$28,161$22,314$17,545$13,705$8,897
22 years$33,275$26,287$20,566$15,953$12,285$7,775
23 years$31,491$24,586$18,989$14,528$11,027$6,803
24 years$29,859$23,035$17,561$13,251$9,912$5,957
25 years$28,360$21,617$16,265$12,101$8,919$5,222
26 years$26,978$20,317$15,085$11,065$8,034$4,580
27 years$25,701$19,121$14,008$10,128$7,243$4,020
28 years$24,517$18,017$13,022$9,279$6,536$3,531
29 years$23,416$16,997$12,118$8,509$5,902$3,102
30 years$22,391$16,052$11,288$7,809$5,332$2,727
31 years$21,434$15,175$10,523$7,172$4,821$2,398
32 years$20,539$14,358$9,818$6,592$4,361$2,110
33 years$19,699$13,597$9,167$6,061$3,947$1,856
34 years$18,911$12,887$8,565$5,577$3,573$1,634
35 years$18,169$12,223$8,008$5,134$3,236$1,438
36 years$17,471$11,602$7,491$4,728$2,932$1,267
37 years$16,811$11,019$7,012$4,357$2,658$1,116
38 years$16,188$10,472$6,566$4,016$2,409$983
39 years$15,598$9,958$6,152$3,702$2,185$866
40 years$15,039$9,474$5,766$3,415$1,982$763
41 years$14,508$9,018$5,407$3,151$1,798$672
42 years$14,005$8,589$5,072$2,908$1,632$592
43 years$13,526$8,183$4,759$2,684$1,481$522
44 years$13,070$7,801$4,467$2,478$1,344$460
45 years$12,635$7,439$4,195$2,289$1,220$405
46 years$12,221$7,096$3,940$2,114$1,108$357
47 years$11,825$6,772$3,701$1,953$1,006$315
48 years$11,447$6,465$3,478$1,805$914$278
49 years$11,086$6,173$3,269$1,668$830$245
50 years$10,740$5,897$3,074$1,542$754$216

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,000,000, adding $2,312 every year, while hoping to spend $30,162 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: 75/15/10 Blend
49$11,000,000$11,000,000$11,000,000$11,000,000
50$12,124,385$11,541,385$11,370,885$13,011,814
51$13,328,980$12,074,821$11,719,717$14,130,406
52$14,655,433$12,633,384$12,079,225$15,351,853
53$16,116,141$13,218,274$12,449,733$16,689,544
54$17,724,766$13,830,748$12,831,578$18,155,002
55$19,496,362$14,472,124$13,225,105$19,760,914
56$21,447,515$15,143,782$13,630,671$21,521,243
57$23,596,506$15,847,172$14,048,642$23,451,363
58$25,963,476$16,583,810$14,479,398$25,568,198
59$28,570,621$17,355,287$14,923,329$27,890,386
60$31,442,400$18,163,271$15,380,835$30,438,443
61$34,605,763$19,009,510$15,852,332$33,234,964
62$38,090,411$19,895,836$16,338,245$36,304,829
63$41,929,071$20,824,171$16,839,015$39,675,433
64$46,157,808$21,796,527$17,355,093$43,376,949
65$50,816,363$22,815,015$17,886,947$47,442,603
66$55,948,530$23,881,849$18,435,058$51,908,989
67$61,602,569$24,999,348$18,999,921$56,816,409
68$67,831,659$26,169,944$19,582,046$62,209,252
69$74,694,403$27,396,186$20,181,960$68,136,410
70$82,255,381$28,680,748$20,800,205$74,651,734
71$90,585,756$30,026,431$21,437,338$81,814,539
72$99,763,950$31,436,173$22,093,935$89,690,162
73$109,876,380$32,913,053$22,770,589$98,350,574
74$121,018,279$34,460,300$23,467,912$107,875,055
75$133,294,588$36,081,299$24,186,531$118,350,938
76$146,820,952$37,779,599$24,927,097$129,874,429
77$161,724,811$39,558,921$25,690,276$142,551,510
78$178,146,599$41,423,166$26,476,758$156,498,937
79$196,241,074$43,376,423$27,287,251$171,845,334
80$216,178,777$45,422,980$28,122,487$188,732,403
81$238,147,640$47,567,334$28,983,218$207,316,255
82$262,354,764$49,814,198$29,870,220$227,768,883
83$289,028,370$52,168,515$30,784,293$250,279,770
84$318,419,957$54,635,466$31,726,261$275,057,682
85$350,806,673$57,220,484$32,696,971$302,332,623
86$386,493,932$59,929,266$33,697,298$332,358,007
87$425,818,299$62,767,785$34,728,143$365,413,036
88$469,150,663$65,742,305$35,790,433$401,805,332
89$516,899,744$68,859,391$36,885,126$441,873,835
90$569,515,946$72,125,929$38,013,206$485,991,990
91$627,495,612$75,549,139$39,175,688$534,571,264
92$691,385,709$79,136,591$40,373,618$588,065,025
93$761,788,991$82,896,223$41,608,073$646,972,811
94$839,369,688$86,836,358$42,880,164$711,845,032
95$924,859,780$90,965,724$44,191,033$783,288,162
96$1,019,065,905$95,293,472$45,541,860$861,970,448
97$1,122,876,972$99,829,197$46,933,858$948,628,211
98$1,237,272,559$104,582,964$48,368,278$1,044,072,783
99$1,363,332,153$109,565,321$49,846,408$1,149,198,154
100$1,502,245,346$114,787,335$51,369,575$1,264,989,402