Can I retire at age 50 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$949,659$941,200$932,947$924,892$917,026$893,407
2 years$470,128$461,373$452,887$444,660$436,679$413,041
3 years$310,306$301,512$293,048$284,898$277,047$254,129
4 years$230,410$221,643$213,264$205,253$197,592$175,570
5 years$182,485$173,771$165,501$157,654$150,207$129,142
6 years$150,546$141,897$133,750$126,077$118,853$98,766
7 years$127,741$119,165$111,147$103,655$96,660$77,552
8 years$110,645$102,146$94,261$86,953$80,188$62,051
9 years$97,355$88,937$81,187$74,065$67,530$50,348
10 years$86,729$78,393$70,781$63,845$57,539$41,290
11 years$78,041$69,789$62,314$55,564$49,486$34,146
12 years$70,806$62,639$55,302$48,737$42,883$28,426
13 years$64,689$56,607$49,409$43,028$37,395$23,791
14 years$59,451$51,454$44,394$38,195$32,780$19,999
15 years$54,914$47,005$40,082$34,063$28,862$16,871
16 years$50,949$43,126$36,340$30,500$25,509$14,275
17 years$47,454$39,717$33,068$27,404$22,618$12,108
18 years$44,351$36,701$30,187$24,697$20,111$10,291
19 years$41,578$34,014$27,635$22,315$17,925$8,762
20 years$39,085$31,607$25,362$20,211$16,011$7,471
21 years$36,832$29,441$23,328$18,343$14,328$6,378
22 years$34,787$27,482$21,500$16,678$12,843$5,451
23 years$32,923$25,703$19,852$15,189$11,529$4,662
24 years$31,216$24,082$18,359$13,853$10,362$3,991
25 years$29,649$22,600$17,005$12,651$9,324$3,418
26 years$28,204$21,240$15,771$11,568$8,399$2,930
27 years$26,869$19,990$14,645$10,588$7,572$2,512
28 years$25,631$18,836$13,614$9,701$6,833$2,155
29 years$24,481$17,770$12,669$8,896$6,170$1,849
30 years$23,409$16,782$11,801$8,164$5,575$1,587
31 years$22,408$15,864$11,002$7,498$5,040$1,362
32 years$21,472$15,011$10,265$6,891$4,559$1,170
33 years$20,595$14,215$9,584$6,337$4,126$1,005
34 years$19,771$13,473$8,955$5,831$3,736$863
35 years$18,995$12,779$8,372$5,367$3,384$742
36 years$18,265$12,129$7,832$4,943$3,066$637
37 years$17,575$11,520$7,331$4,555$2,779$548
38 years$16,923$10,948$6,865$4,198$2,519$471
39 years$16,307$10,410$6,432$3,871$2,284$404
40 years$15,722$9,905$6,028$3,570$2,072$348
41 years$15,168$9,428$5,653$3,294$1,880$299
42 years$14,641$8,979$5,302$3,040$1,706$257
43 years$14,140$8,555$4,976$2,806$1,548$221
44 years$13,664$8,155$4,670$2,591$1,405$190
45 years$13,209$7,777$4,385$2,393$1,276$163
46 years$12,776$7,419$4,119$2,210$1,158$140
47 years$12,363$7,080$3,870$2,042$1,052$121
48 years$11,967$6,758$3,636$1,887$955$104
49 years$11,590$6,454$3,418$1,744$867$89
50 years$11,228$6,165$3,213$1,612$788$77

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,500,000, adding $3,990 every year, while hoping to spend $45,687 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: 34/48/18 Blend
49$11,500,000$11,500,000$11,500,000$11,500,000
50$12,677,116$12,067,616$11,889,366$13,037,662
51$13,921,571$12,610,318$12,239,049$13,845,634
52$15,291,429$13,178,082$12,598,915$14,711,817
53$16,799,434$13,772,087$12,969,257$15,644,926
54$18,459,625$14,393,568$13,350,377$16,650,899
55$20,287,476$15,043,822$13,742,584$17,736,244
56$22,300,034$15,724,205$14,146,196$18,908,091
57$24,516,085$16,436,138$14,561,540$20,174,255
58$26,956,329$17,181,112$14,988,955$21,543,305
59$29,643,575$17,960,687$15,428,785$23,024,638
60$32,602,957$18,776,499$15,881,388$24,628,561
61$35,862,173$19,630,261$16,347,128$26,366,382
62$39,451,740$20,523,769$16,826,383$28,250,510
63$43,405,289$21,458,906$17,319,538$30,294,566
64$47,759,879$22,437,643$17,826,993$32,513,502
65$52,556,345$23,462,046$18,349,156$34,923,734
66$57,839,688$24,534,281$18,886,448$37,543,293
67$63,659,492$25,656,617$19,439,300$40,391,980
68$70,070,402$26,831,433$20,008,159$43,491,549
69$77,132,631$28,061,221$20,593,479$46,865,901
70$84,912,530$29,348,592$21,195,732$50,541,300
71$93,483,219$30,696,284$21,815,400$54,546,610
72$102,925,271$32,107,165$22,452,980$58,913,557
73$113,327,476$33,584,243$23,108,981$63,677,018
74$124,787,675$35,130,669$23,783,929$68,875,337
75$137,413,691$36,749,744$24,478,363$74,550,675
76$151,324,336$38,444,930$25,192,838$80,749,397
77$166,650,543$40,219,856$25,927,922$87,522,492
78$183,536,593$42,078,324$26,684,202$94,926,044
79$202,141,482$44,024,319$27,462,280$103,021,744
80$222,640,422$46,062,018$28,262,774$111,877,459
81$245,226,489$48,195,801$29,086,321$121,567,856
82$270,112,452$50,430,257$29,933,574$132,175,085
83$297,532,779$52,770,196$30,805,206$143,789,546
84$327,745,848$55,220,661$31,701,906$156,510,716
85$361,036,388$57,786,938$32,624,384$170,448,069
86$397,718,169$60,474,567$33,573,370$185,722,096
87$438,136,958$63,289,356$34,549,613$202,465,412
88$482,673,786$66,237,393$35,553,883$220,823,991
89$531,748,547$69,325,060$36,586,973$240,958,520
90$585,823,957$72,559,046$37,649,695$263,045,890
91$645,409,927$75,946,366$38,742,886$287,280,840
92$711,068,371$79,494,369$39,867,405$313,877,771
93$783,418,515$83,210,764$41,024,133$343,072,739
94$863,142,741$87,103,629$42,213,979$375,125,656
95$950,993,028$91,181,434$43,437,875$410,322,712
96$1,047,798,050$95,453,057$44,696,777$448,979,044
97$1,154,471,002$99,927,808$45,991,670$491,441,679
98$1,272,018,218$104,615,444$47,323,564$538,092,770
99$1,401,548,672$109,526,197$48,693,500$589,353,174
100$1,544,284,447$114,670,791$50,102,542$645,686,381