Can I retire at age 50 with 13,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,021,434
2 years$535,538$525,564$515,897$506,525$497,434$474,203
3 years$353,479$343,462$333,820$324,536$315,593$293,034
4 years$262,467$252,481$242,935$233,810$225,083$203,371
5 years$207,874$197,948$188,528$179,588$171,105$150,300
6 years$171,491$161,639$152,358$143,618$135,389$115,513
7 years$145,513$135,744$126,611$118,076$110,108$91,164
8 years$126,039$116,358$107,376$99,051$91,345$73,327
9 years$110,900$101,311$92,483$84,370$76,926$59,821
10 years$98,796$89,300$80,629$72,728$65,545$49,334
11 years$88,899$79,499$70,984$63,295$56,371$41,033
12 years$80,658$71,354$62,997$55,518$48,850$34,361
13 years$73,689$64,483$56,283$49,014$42,598$28,932
14 years$67,722$58,613$50,571$43,509$37,341$24,471
15 years$62,555$53,544$45,659$38,803$32,878$20,774
16 years$58,038$49,126$41,396$34,744$29,058$17,690
17 years$54,057$45,243$37,669$31,217$25,764$15,102
18 years$50,522$41,807$34,387$28,133$22,909$12,921
19 years$47,362$38,746$31,480$25,420$20,419$11,076
20 years$44,523$36,005$28,890$23,023$18,239$9,508
21 years$41,957$33,537$26,574$20,895$16,321$8,174
22 years$39,627$31,305$24,492$18,998$14,630$7,034
23 years$37,503$29,279$22,614$17,302$13,133$6,059
24 years$35,559$27,433$20,914$15,780$11,804$5,224
25 years$33,774$25,744$19,370$14,412$10,622$4,507
26 years$32,128$24,196$17,965$13,177$9,568$3,890
27 years$30,607$22,771$16,682$12,061$8,626$3,360
28 years$29,197$21,457$15,508$11,051$7,783$2,903
29 years$27,887$20,242$14,432$10,134$7,028$2,510
30 years$26,666$19,117$13,443$9,300$6,350$2,170
31 years$25,526$18,071$12,532$8,542$5,741$1,877
32 years$24,460$17,099$11,693$7,850$5,194$1,624
33 years$23,460$16,193$10,918$7,219$4,700$1,405
34 years$22,521$15,348$10,201$6,642$4,255$1,216
35 years$21,638$14,557$9,537$6,114$3,854$1,053
36 years$20,806$13,817$8,922$5,631$3,492$912
37 years$20,020$13,123$8,350$5,188$3,165$789
38 years$19,278$12,471$7,820$4,782$2,869$684
39 years$18,575$11,859$7,326$4,409$2,602$592
40 years$17,910$11,283$6,867$4,067$2,360$513
41 years$17,278$10,740$6,439$3,752$2,141$444
42 years$16,678$10,229$6,040$3,463$1,943$385
43 years$16,108$9,746$5,668$3,197$1,763$333
44 years$15,565$9,290$5,320$2,952$1,601$289
45 years$15,047$8,859$4,995$2,726$1,453$250
46 years$14,554$8,451$4,692$2,518$1,319$217
47 years$14,083$8,065$4,408$2,326$1,198$188
48 years$13,632$7,699$4,142$2,150$1,088$163
49 years$13,202$7,352$3,893$1,987$988$141
50 years$12,790$7,023$3,660$1,836$898$122

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,100,000, adding $3,328 every year, while hoping to spend $25,815 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: 50/43/7 Blend
49$13,100,000$13,100,000$13,100,000$13,100,000
50$14,439,633$13,745,333$13,542,283$15,135,806
51$15,885,008$14,391,387$13,968,482$16,256,756
52$17,476,947$15,068,233$14,408,094$17,471,088
53$19,230,371$15,777,352$14,861,541$18,789,957
54$21,161,724$16,520,297$15,329,257$20,223,158
55$23,289,125$17,298,697$15,811,693$21,781,442
56$25,632,541$18,114,258$16,309,310$23,476,613
57$28,213,976$18,968,772$16,822,587$25,321,637
58$31,057,675$19,864,116$17,352,017$27,330,757
59$34,190,356$20,802,255$17,898,108$29,519,617
60$37,641,461$21,785,255$18,461,384$31,905,411
61$41,443,436$22,815,278$19,042,386$34,507,029
62$45,632,032$23,894,593$19,641,672$37,345,235
63$50,246,648$25,025,577$20,259,817$40,442,852
64$55,330,700$26,210,723$20,897,414$43,824,969
65$60,932,030$27,452,648$21,555,076$47,519,171
66$67,103,360$28,754,090$22,233,434$51,555,791
67$73,902,788$30,117,926$22,933,139$55,968,184
68$81,394,336$31,547,169$23,654,864$60,793,035
69$89,648,557$33,044,978$24,399,300$66,070,693
70$98,743,196$34,614,668$25,167,162$71,845,542
71$108,763,929$36,259,713$25,959,189$78,166,412
72$119,805,167$37,983,757$26,776,140$85,087,021
73$131,970,952$39,790,620$27,618,798$92,666,475
74$145,375,936$41,684,306$28,487,975$100,969,815
75$160,146,462$43,669,018$29,384,503$110,068,609
76$176,421,761$45,749,160$30,309,243$120,041,624
77$194,355,261$47,929,349$31,263,083$130,975,546
78$214,116,041$50,214,430$32,246,940$142,965,789
79$235,890,421$52,609,481$33,261,756$156,117,373
80$259,883,726$55,119,828$34,308,507$170,545,907
81$286,322,222$57,751,055$35,388,198$186,378,654
82$315,455,250$60,509,018$36,501,864$203,755,719
83$347,557,584$63,399,859$37,650,575$222,831,348
84$382,932,022$66,430,016$38,835,434$243,775,369
85$421,912,245$69,606,244$40,057,577$266,774,768
86$464,865,967$72,935,623$41,318,179$292,035,435
87$512,198,407$76,425,580$42,618,450$319,784,083
88$564,356,114$80,083,902$43,959,637$350,270,364
89$621,831,180$83,918,757$45,343,028$383,769,197
90$685,165,892$87,938,708$46,769,951$420,583,343
91$754,957,845$92,152,736$48,241,776$461,046,225
92$831,865,585$96,570,260$49,759,915$505,525,055
93$916,614,829$101,201,157$51,325,826$554,424,263
94$1,010,005,313$106,055,784$52,941,013$608,189,284
95$1,112,918,343$111,145,006$54,607,025$667,310,730
96$1,226,325,115$116,480,213$56,325,461$732,328,986
97$1,351,295,885$122,073,351$58,097,973$803,839,269
98$1,489,010,070$127,936,950$59,926,259$882,497,214
99$1,640,767,385$134,084,149$61,812,077$969,025,018
100$1,808,000,112$140,528,726$63,757,235$1,064,218,214