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

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 $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%13.2%
1 years$908,370$900,278$892,384$884,679$877,155$865,477
2 years$449,688$441,313$433,196$425,327$417,693$405,946
3 years$296,814$288,403$280,307$272,511$265,002$253,551
4 years$220,392$212,007$203,991$196,329$189,001$177,935
5 years$174,551$166,216$158,306$150,799$143,676$133,027
6 years$144,000$135,728$127,935$120,595$113,686$103,466
7 years$122,187$113,984$106,314$99,148$92,457$82,670
8 years$105,834$97,705$90,163$83,173$76,702$67,348
9 years$93,122$85,070$77,657$70,845$64,594$55,668
10 years$82,958$74,985$67,703$61,069$55,037$46,532
11 years$74,648$66,755$59,605$53,148$47,334$39,242
12 years$67,728$59,915$52,898$46,618$41,019$33,331
13 years$61,877$54,146$47,261$41,157$35,769$28,476
14 years$56,866$49,217$42,464$36,534$31,355$24,445
15 years$52,527$44,961$38,339$32,582$27,607$21,069
16 years$48,734$41,251$34,760$29,174$24,400$18,220
17 years$45,391$37,990$31,630$26,213$21,634$15,802
18 years$42,423$35,105$28,874$23,623$19,236$13,738
19 years$39,770$32,535$26,433$21,345$17,146$11,968
20 years$37,386$30,233$24,259$19,332$15,315$10,445
21 years$35,231$28,161$22,314$17,545$13,705$9,129
22 years$33,275$26,287$20,566$15,953$12,285$7,990
23 years$31,491$24,586$18,989$14,528$11,027$7,002
24 years$29,859$23,035$17,561$13,251$9,912$6,141
25 years$28,360$21,617$16,265$12,101$8,919$5,391
26 years$26,978$20,317$15,085$11,065$8,034$4,737
27 years$25,701$19,121$14,008$10,128$7,243$4,164
28 years$24,517$18,017$13,022$9,279$6,536$3,663
29 years$23,416$16,997$12,118$8,509$5,902$3,224
30 years$22,391$16,052$11,288$7,809$5,332$2,839
31 years$21,434$15,175$10,523$7,172$4,821$2,500
32 years$20,539$14,358$9,818$6,592$4,361$2,203
33 years$19,699$13,597$9,167$6,061$3,947$1,942
34 years$18,911$12,887$8,565$5,577$3,573$1,712
35 years$18,169$12,223$8,008$5,134$3,236$1,510
36 years$17,471$11,602$7,491$4,728$2,932$1,332
37 years$16,811$11,019$7,012$4,357$2,658$1,175
38 years$16,188$10,472$6,566$4,016$2,409$1,037
39 years$15,598$9,958$6,152$3,702$2,185$915
40 years$15,039$9,474$5,766$3,415$1,982$807
41 years$14,508$9,018$5,407$3,151$1,798$713
42 years$14,005$8,589$5,072$2,908$1,632$629
43 years$13,526$8,183$4,759$2,684$1,481$555
44 years$13,070$7,801$4,467$2,478$1,344$490
45 years$12,635$7,439$4,195$2,289$1,220$433
46 years$12,221$7,096$3,940$2,114$1,108$382
47 years$11,825$6,772$3,701$1,953$1,006$338
48 years$11,447$6,465$3,478$1,805$914$298
49 years$11,086$6,173$3,269$1,668$830$263
50 years$10,740$5,897$3,074$1,542$754$232

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 $5,376 every year, while hoping to spend $30,928 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: 71/23/6 Blend
49$11,000,000$11,000,000$11,000,000$11,000,000
50$12,127,545$11,544,545$11,374,045$12,979,016
51$13,331,648$12,077,321$11,722,169$14,074,555
52$14,657,532$12,635,166$12,080,918$15,268,879
53$16,117,587$13,219,276$12,450,615$16,575,201
54$17,725,466$13,830,905$12,831,595$18,004,523
55$19,496,210$14,471,366$13,224,200$19,568,956
56$21,446,396$15,142,035$13,628,784$21,281,822
57$23,594,291$15,844,358$14,045,711$23,157,785
58$25,960,022$16,579,845$14,475,356$25,212,981
59$28,565,771$17,350,084$14,918,106$27,465,171
60$31,435,977$18,156,735$15,374,361$29,933,905
61$34,597,574$19,001,543$15,844,529$32,640,701
62$38,080,240$19,886,332$16,329,034$35,609,247
63$41,916,681$20,813,018$16,828,313$38,865,621
64$46,142,934$21,783,608$17,342,813$42,438,534
65$50,798,713$22,800,205$17,872,998$46,359,593
66$55,927,783$23,865,015$18,419,343$50,663,602
67$61,578,366$24,980,351$18,982,341$55,388,882
68$67,803,607$26,148,635$19,562,497$60,577,627
69$74,662,065$27,372,409$20,160,331$66,276,305
70$82,218,275$28,654,337$20,776,382$72,536,082
71$90,543,350$29,997,210$21,411,201$79,413,307
72$99,715,655$31,403,957$22,065,360$86,970,038
73$109,821,547$32,877,646$22,739,445$95,274,617
74$120,956,189$34,421,495$23,434,060$104,402,317
75$133,224,450$36,038,877$24,149,830$114,436,041
76$146,741,890$37,733,329$24,887,396$125,467,101
77$161,635,859$39,508,558$25,647,420$137,596,072
78$178,046,691$41,368,452$26,430,583$150,933,734
79$196,129,034$43,317,085$27,237,588$165,602,115
80$216,053,304$45,358,732$28,069,156$181,735,628
81$238,007,303$47,497,871$28,926,034$199,482,339
82$262,197,981$49,739,200$29,808,989$219,005,352
83$288,853,397$52,087,643$30,718,813$240,484,342
84$318,224,868$54,548,362$31,656,318$264,117,241
85$350,589,346$57,126,773$32,622,346$290,122,099
86$386,252,025$59,828,550$33,617,760$318,739,131
87$425,549,227$62,659,645$34,643,451$350,232,973
88$468,851,579$65,626,298$35,700,337$384,895,171
89$516,567,504$68,735,052$36,789,363$423,046,925
90$569,147,086$71,992,765$37,911,502$465,042,103
91$627,086,310$75,406,633$39,067,759$511,270,572
92$690,931,752$78,984,195$40,259,167$562,161,867
93$761,285,731$82,733,361$41,486,790$618,189,230
94$838,812,003$86,662,424$42,751,725$679,874,066
95$924,242,021$90,780,076$44,055,101$747,790,847
96$1,018,381,844$95,095,436$45,398,084$822,572,520
97$1,122,119,743$99,618,064$46,781,871$904,916,469
98$1,236,434,591$104,357,983$48,207,698$995,591,078
99$1,362,405,101$109,325,706$49,676,837$1,095,442,969
100$1,501,220,009$114,532,253$51,190,599$1,205,404,976