Can I retire at age 50 with 11,100,000?

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$916,628$908,463$900,497$892,722$885,130$865,138
2 years$453,776$445,325$437,134$429,193$421,490$401,456
3 years$299,512$291,025$282,855$274,988$267,411$247,960
4 years$222,396$213,934$205,846$198,114$190,720$172,002
5 years$176,138$167,727$159,745$152,170$144,982$127,050
6 years$145,309$136,962$129,098$121,692$114,719$97,591
7 years$123,297$115,020$107,281$100,049$93,298$76,977
8 years$106,796$98,593$90,983$83,929$77,399$61,879
9 years$93,968$85,843$78,363$71,489$65,181$50,451
10 years$83,712$75,667$68,319$61,624$55,538$41,581
11 years$75,327$67,362$60,147$53,631$47,764$34,563
12 years$68,343$60,460$53,379$47,042$41,392$28,924
13 years$62,439$54,638$47,690$41,531$36,094$24,338
14 years$57,383$49,665$42,850$36,867$31,640$20,571
15 years$53,004$45,370$38,688$32,879$27,858$17,451
16 years$49,177$41,626$35,076$29,439$24,621$14,850
17 years$45,804$38,336$31,918$26,451$21,831$12,669
18 years$42,808$35,424$29,137$23,838$19,411$10,831
19 years$40,132$32,831$26,673$21,539$17,302$9,277
20 years$37,725$30,508$24,480$19,508$15,454$7,958
21 years$35,551$28,417$22,517$17,705$13,830$6,836
22 years$33,577$26,526$20,752$16,098$12,396$5,878
23 years$31,778$24,809$19,161$14,660$11,128$5,060
24 years$30,131$23,245$17,721$13,371$10,002$4,359
25 years$28,618$21,814$16,413$12,211$9,000$3,757
26 years$27,223$20,502$15,222$11,165$8,107$3,241
27 years$25,934$19,294$14,135$10,220$7,309$2,797
28 years$24,739$18,181$13,141$9,364$6,595$2,415
29 years$23,629$17,152$12,228$8,587$5,955$2,086
30 years$22,595$16,198$11,390$7,880$5,381$1,802
31 years$21,629$15,312$10,619$7,238$4,865$1,557
32 years$20,726$14,489$9,908$6,652$4,401$1,346
33 years$19,878$13,721$9,251$6,117$3,983$1,164
34 years$19,083$13,004$8,643$5,628$3,606$1,007
35 years$18,335$12,334$8,081$5,181$3,266$871
36 years$17,629$11,707$7,560$4,771$2,959$753
37 years$16,964$11,119$7,076$4,396$2,682$652
38 years$16,335$10,567$6,626$4,052$2,431$564
39 years$15,740$10,048$6,208$3,736$2,205$488
40 years$15,175$9,560$5,819$3,446$2,000$422
41 years$14,640$9,100$5,456$3,179$1,814$365
42 years$14,132$8,667$5,118$2,934$1,646$316
43 years$13,649$8,258$4,802$2,709$1,494$274
44 years$13,188$7,871$4,508$2,501$1,356$237
45 years$12,750$7,506$4,233$2,310$1,231$205
46 years$12,332$7,161$3,976$2,134$1,118$178
47 years$11,933$6,833$3,735$1,971$1,015$154
48 years$11,551$6,523$3,510$1,821$922$133
49 years$11,186$6,229$3,299$1,683$837$115
50 years$10,837$5,951$3,102$1,556$760$100

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,100,000, adding $3,909 every year, while hoping to spend $27,776 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: 68/15/17 Blend
49$11,100,000$11,100,000$11,100,000$11,100,000
50$12,236,232$11,647,932$11,475,882$13,018,068
51$13,454,774$12,189,127$11,830,771$14,081,472
52$14,796,677$12,755,910$12,196,617$15,240,577
53$16,274,493$13,349,505$12,573,759$16,507,737
54$17,902,057$13,971,196$12,962,545$17,893,580
55$19,694,609$14,622,328$13,363,333$19,409,804
56$21,668,949$15,304,311$13,776,494$21,069,282
57$23,843,584$16,018,624$14,202,409$22,886,184
58$26,238,910$16,766,818$14,641,471$24,876,108
59$28,877,403$17,550,516$15,094,084$27,056,221
60$31,783,829$18,371,422$15,560,667$29,445,425
61$34,985,481$19,231,322$16,041,650$32,064,527
62$38,512,431$20,132,088$16,537,476$34,936,436
63$42,397,820$21,075,682$17,048,603$38,086,377
64$46,678,169$22,064,161$17,575,502$41,542,121
65$51,393,719$23,099,683$18,118,659$45,334,250
66$56,588,819$24,184,508$18,678,575$49,496,440
67$62,312,337$25,321,007$19,255,765$54,065,775
68$68,618,125$26,511,666$19,850,762$59,083,094
69$75,565,525$27,759,089$20,464,115$64,593,373
70$83,219,934$29,066,009$21,096,388$70,646,146
71$91,653,414$30,435,291$21,748,163$77,295,967
72$100,945,378$31,869,936$22,420,043$84,602,923
73$111,183,337$33,373,093$23,112,644$92,633,196
74$122,463,725$34,948,063$23,826,606$101,459,681
75$134,892,814$36,598,307$24,562,586$111,162,673
76$148,587,710$38,327,453$25,321,262$121,830,618
77$163,677,464$40,139,305$26,103,332$133,560,944
78$180,304,288$42,037,854$26,909,516$146,460,971
79$198,624,897$44,027,280$27,740,557$160,648,926
80$218,811,990$46,111,970$28,597,219$176,255,046
81$241,055,878$48,296,522$29,480,290$193,422,805
82$265,566,282$50,585,756$30,390,585$212,310,261
83$292,574,312$52,984,728$31,328,939$233,091,542
84$322,334,650$55,498,737$32,296,216$255,958,481
85$355,127,952$58,133,343$33,293,307$281,122,422
86$391,263,498$60,894,372$34,321,128$308,816,206
87$431,082,114$63,787,935$35,380,625$339,296,362
88$474,959,386$66,820,440$36,472,772$372,845,517
89$523,309,206$69,998,604$37,598,572$409,775,062
90$576,587,683$73,329,474$38,759,062$450,428,075
91$635,297,443$76,820,435$39,955,308$495,182,556
92$699,992,381$80,479,235$41,188,410$544,454,982
93$771,282,882$84,313,996$42,459,500$598,704,229
94$849,841,590$88,333,235$43,769,747$658,435,896
95$936,409,753$92,545,885$45,120,354$724,207,061
96$1,031,804,225$96,961,311$46,512,563$796,631,534
97$1,136,925,175$101,589,333$47,947,652$876,385,636
98$1,252,764,584$106,440,252$49,426,940$964,214,571
99$1,380,415,614$111,524,867$50,951,785$1,060,939,447
100$1,521,082,923$116,854,502$52,523,587$1,167,465,018