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%12%
1 years$916,628$908,463$900,497$892,722$885,130$877,713
2 years$453,776$445,325$437,134$429,193$421,490$414,016
3 years$299,512$291,025$282,855$274,988$267,411$260,109
4 years$222,396$213,934$205,846$198,114$190,720$183,648
5 years$176,138$167,727$159,745$152,170$144,982$138,161
6 years$145,309$136,962$129,098$121,692$114,719$108,157
7 years$123,297$115,020$107,281$100,049$93,298$86,997
8 years$106,796$98,593$90,983$83,929$77,399$71,361
9 years$93,968$85,843$78,363$71,489$65,181$59,403
10 years$83,712$75,667$68,319$61,624$55,538$50,016
11 years$75,327$67,362$60,147$53,631$47,764$42,495
12 years$68,343$60,460$53,379$47,042$41,392$36,370
13 years$62,439$54,638$47,690$41,531$36,094$31,314
14 years$57,383$49,665$42,850$36,867$31,640$27,096
15 years$53,004$45,370$38,688$32,879$27,858$23,544
16 years$49,177$41,626$35,076$29,439$24,621$20,530
17 years$45,804$38,336$31,918$26,451$21,831$17,955
18 years$42,808$35,424$29,137$23,838$19,411$15,744
19 years$40,132$32,831$26,673$21,539$17,302$13,835
20 years$37,725$30,508$24,480$19,508$15,454$12,182
21 years$35,551$28,417$22,517$17,705$13,830$10,743
22 years$33,577$26,526$20,752$16,098$12,396$9,489
23 years$31,778$24,809$19,161$14,660$11,128$8,391
24 years$30,131$23,245$17,721$13,371$10,002$7,428
25 years$28,618$21,814$16,413$12,211$9,000$6,583
26 years$27,223$20,502$15,222$11,165$8,107$5,838
27 years$25,934$19,294$14,135$10,220$7,309$5,182
28 years$24,739$18,181$13,141$9,364$6,595$4,603
29 years$23,629$17,152$12,228$8,587$5,955$4,090
30 years$22,595$16,198$11,390$7,880$5,381$3,637
31 years$21,629$15,312$10,619$7,238$4,865$3,235
32 years$20,726$14,489$9,908$6,652$4,401$2,879
33 years$19,878$13,721$9,251$6,117$3,983$2,563
34 years$19,083$13,004$8,643$5,628$3,606$2,283
35 years$18,335$12,334$8,081$5,181$3,266$2,033
36 years$17,629$11,707$7,560$4,771$2,959$1,812
37 years$16,964$11,119$7,076$4,396$2,682$1,615
38 years$16,335$10,567$6,626$4,052$2,431$1,439
39 years$15,740$10,048$6,208$3,736$2,205$1,283
40 years$15,175$9,560$5,819$3,446$2,000$1,144
41 years$14,640$9,100$5,456$3,179$1,814$1,020
42 years$14,132$8,667$5,118$2,934$1,646$910
43 years$13,649$8,258$4,802$2,709$1,494$812
44 years$13,188$7,871$4,508$2,501$1,356$724
45 years$12,750$7,506$4,233$2,310$1,231$646
46 years$12,332$7,161$3,976$2,134$1,118$577
47 years$11,933$6,833$3,735$1,971$1,015$515
48 years$11,551$6,523$3,510$1,821$922$459
49 years$11,186$6,229$3,299$1,683$837$410
50 years$10,837$5,951$3,102$1,556$760$366

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 $4,629 every year, while hoping to spend $42,375 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: 69/19/12 Blend
49$11,100,000$11,100,000$11,100,000$11,100,000
50$12,236,975$11,648,675$11,476,625$13,049,380
51$13,440,060$12,174,373$11,816,005$14,115,222
52$14,764,439$12,724,411$12,165,334$15,275,324
53$16,222,440$13,299,935$12,524,901$16,543,383
54$17,827,645$13,902,149$12,895,002$17,930,003
55$19,595,024$14,532,312$13,275,943$19,446,854
56$21,541,067$15,191,746$13,668,038$21,106,780
57$23,683,947$15,881,834$14,071,609$22,923,915
58$26,043,691$16,604,025$14,486,989$24,913,816
59$28,642,365$17,359,839$14,914,520$27,093,606
60$31,504,282$18,150,867$15,354,553$29,482,137
61$34,656,238$18,978,779$15,807,450$32,100,157
62$38,127,757$19,845,322$16,273,582$34,970,513
63$41,951,373$20,752,327$16,753,332$38,118,355
64$46,162,937$21,701,715$17,247,092$41,571,376
65$50,801,955$22,695,498$17,755,269$45,360,065
66$55,911,961$23,735,784$18,278,276$49,517,998
67$61,540,926$24,824,782$18,816,543$54,082,143
68$67,741,712$25,964,808$19,370,510$59,093,214
69$74,572,573$27,158,290$19,940,627$64,596,044
70$82,097,699$28,407,769$20,527,362$70,640,008
71$90,387,828$29,715,914$21,131,192$77,279,484
72$99,520,909$31,085,516$21,752,610$84,574,361
73$109,582,840$32,519,505$22,392,121$92,590,600
74$120,668,279$34,020,950$23,050,246$101,400,855
75$132,881,534$35,593,067$23,727,520$111,085,147
76$146,337,551$37,239,228$24,424,493$121,731,618
77$161,162,998$38,962,967$25,141,730$133,437,360
78$177,497,460$40,767,989$25,879,814$146,309,320
79$195,494,756$42,658,175$26,639,343$160,465,309
80$215,324,391$44,637,596$27,420,931$176,035,101
81$237,173,158$46,710,517$28,225,212$193,161,660
82$261,246,898$48,881,411$29,052,834$212,002,474
83$287,772,446$51,154,963$29,904,468$232,731,042
84$316,999,767$53,536,089$30,780,799$255,538,498
85$349,204,323$56,029,937$31,682,536$280,635,412
86$384,689,667$58,641,907$32,610,404$308,253,765
87$423,790,311$61,377,658$33,565,151$338,649,135
88$466,874,883$64,243,124$34,547,543$372,103,097
89$514,349,607$67,244,523$35,558,372$408,925,874
90$566,662,138$70,388,375$36,598,448$449,459,254
91$624,305,787$73,681,516$37,668,607$494,079,807
92$687,824,177$77,131,110$38,769,705$543,202,428
93$757,816,377$80,744,669$39,902,624$597,284,245
94$834,942,557$84,530,067$41,068,272$656,828,919
95$919,930,219$88,495,561$42,267,580$722,391,388
96$1,013,581,062$92,649,805$43,501,505$794,583,096
97$1,116,778,558$97,001,873$44,771,033$874,077,745
98$1,230,496,283$101,561,277$46,077,174$961,617,646
99$1,355,807,115$106,337,990$47,420,971$1,058,020,712
100$1,493,893,358$111,342,469$48,803,491$1,164,188,160