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%19.3%
1 years$916,628$908,463$900,497$892,722$885,130$852,031
2 years$453,776$445,325$437,134$429,193$421,490$388,523
3 years$299,512$291,025$282,855$274,988$267,411$235,612
4 years$222,396$213,934$205,846$198,114$190,720$160,331
5 years$176,138$167,727$159,745$152,170$144,982$116,083
6 years$145,309$136,962$129,098$121,692$114,719$87,330
7 years$123,297$115,020$107,281$100,049$93,298$67,411
8 years$106,796$98,593$90,983$83,929$77,399$52,991
9 years$93,968$85,843$78,363$71,489$65,181$42,217
10 years$83,712$75,667$68,319$61,624$55,538$33,976
11 years$75,327$67,362$60,147$53,631$47,764$27,559
12 years$68,343$60,460$53,379$47,042$41,392$22,491
13 years$62,439$54,638$47,690$41,531$36,094$18,444
14 years$57,383$49,665$42,850$36,867$31,640$15,185
15 years$53,004$45,370$38,688$32,879$27,858$12,541
16 years$49,177$41,626$35,076$29,439$24,621$10,384
17 years$45,804$38,336$31,918$26,451$21,831$8,616
18 years$42,808$35,424$29,137$23,838$19,411$7,161
19 years$40,132$32,831$26,673$21,539$17,302$5,961
20 years$37,725$30,508$24,480$19,508$15,454$4,967
21 years$35,551$28,417$22,517$17,705$13,830$4,144
22 years$33,577$26,526$20,752$16,098$12,396$3,459
23 years$31,778$24,809$19,161$14,660$11,128$2,890
24 years$30,131$23,245$17,721$13,371$10,002$2,415
25 years$28,618$21,814$16,413$12,211$9,000$2,020
26 years$27,223$20,502$15,222$11,165$8,107$1,690
27 years$25,934$19,294$14,135$10,220$7,309$1,414
28 years$24,739$18,181$13,141$9,364$6,595$1,184
29 years$23,629$17,152$12,228$8,587$5,955$991
30 years$22,595$16,198$11,390$7,880$5,381$830
31 years$21,629$15,312$10,619$7,238$4,865$695
32 years$20,726$14,489$9,908$6,652$4,401$582
33 years$19,878$13,721$9,251$6,117$3,983$488
34 years$19,083$13,004$8,643$5,628$3,606$409
35 years$18,335$12,334$8,081$5,181$3,266$342
36 years$17,629$11,707$7,560$4,771$2,959$287
37 years$16,964$11,119$7,076$4,396$2,682$240
38 years$16,335$10,567$6,626$4,052$2,431$201
39 years$15,740$10,048$6,208$3,736$2,205$169
40 years$15,175$9,560$5,819$3,446$2,000$142
41 years$14,640$9,100$5,456$3,179$1,814$119
42 years$14,132$8,667$5,118$2,934$1,646$99
43 years$13,649$8,258$4,802$2,709$1,494$83
44 years$13,188$7,871$4,508$2,501$1,356$70
45 years$12,750$7,506$4,233$2,310$1,231$59
46 years$12,332$7,161$3,976$2,134$1,118$49
47 years$11,933$6,833$3,735$1,971$1,015$41
48 years$11,551$6,523$3,510$1,821$922$34
49 years$11,186$6,229$3,299$1,683$837$29
50 years$10,837$5,951$3,102$1,556$760$24

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 $5,125 every year, while hoping to spend $24,470 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: 43/31/26 Blend
49$11,100,000$11,100,000$11,100,000$11,100,000
50$12,237,486$11,649,186$11,477,136$12,670,717
51$13,459,674$12,193,961$11,835,585$13,525,459
52$14,805,705$12,764,609$12,205,221$14,448,239
53$16,288,185$13,362,373$12,586,394$15,447,596
54$17,921,005$13,988,554$12,979,463$16,530,633
55$19,719,473$14,644,519$13,384,800$17,705,147
56$21,700,456$15,331,697$13,802,788$18,979,700
57$23,882,542$16,051,589$14,233,821$20,363,692
58$26,286,212$16,805,768$14,678,305$21,867,452
59$28,934,038$17,595,883$15,136,661$23,502,322
60$31,850,891$18,423,663$15,609,320$25,280,767
61$35,064,179$19,290,919$16,096,729$27,216,484
62$38,604,104$20,199,553$16,599,348$29,324,526
63$42,503,948$21,151,556$17,117,651$31,621,439
64$46,800,386$22,149,018$17,652,128$34,125,413
65$51,533,833$23,194,127$18,203,282$36,856,448
66$56,748,826$24,289,181$18,771,634$39,836,532
67$62,494,442$25,436,587$19,357,719$43,089,850
68$68,824,763$26,638,869$19,962,092$46,642,999
69$75,799,388$27,898,672$20,585,321$50,525,232
70$83,483,992$29,218,773$21,227,995$54,768,732
71$91,950,947$30,602,081$21,890,721$59,408,902
72$101,280,006$32,051,645$22,574,122$64,484,694
73$111,559,056$33,570,666$23,278,845$70,038,968
74$122,884,947$35,162,495$24,005,553$76,118,885
75$135,364,405$36,830,651$24,754,932$82,776,348
76$149,115,041$38,578,819$25,527,690$90,068,476
77$164,266,461$40,410,868$26,324,553$98,058,137
78$180,961,489$42,330,849$27,146,275$106,814,531
79$199,357,515$44,343,015$27,993,630$116,413,830
80$219,627,982$46,451,823$28,867,416$126,939,884
81$241,964,020$48,661,946$29,768,458$138,485,005
82$266,576,254$50,978,286$30,697,606$151,150,821
83$293,696,792$53,405,982$31,655,736$165,049,225
84$323,581,412$55,950,421$32,643,750$180,303,417
85$356,511,980$58,617,257$33,662,580$197,049,049
86$392,799,113$61,412,413$34,713,187$215,435,494
87$432,785,104$64,342,103$35,796,561$235,627,240
88$476,847,162$67,412,843$36,913,723$257,805,423
89$525,400,966$70,631,466$38,065,726$282,169,523
90$578,904,593$74,005,137$39,253,656$308,939,224
91$637,862,841$77,541,368$40,478,633$338,356,477
92$702,831,995$81,248,039$41,741,811$370,687,753
93$774,425,077$85,133,411$43,044,381$406,226,547
94$853,317,637$89,206,150$44,387,569$445,296,122
95$940,254,125$93,475,341$45,772,642$488,252,538
96$1,036,054,925$97,950,512$47,200,905$535,487,992
97$1,141,624,096$102,641,655$48,673,704$587,434,492
98$1,257,957,906$107,559,249$50,192,425$644,567,911
99$1,386,154,242$112,714,282$51,758,501$707,412,450
100$1,527,422,969$118,118,276$53,373,406$776,545,562