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

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 $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%11%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,040,211
2 years$535,538$525,564$515,897$506,525$497,434$492,991
3 years$353,479$343,462$333,820$324,536$315,593$311,245
4 years$262,467$252,481$242,935$233,810$225,083$220,864
5 years$207,874$197,948$188,528$179,588$171,105$167,027
6 years$171,491$161,639$152,358$143,618$135,389$131,458
7 years$145,513$135,744$126,611$118,076$110,108$106,325
8 years$126,039$116,358$107,376$99,051$91,345$87,712
9 years$110,900$101,311$92,483$84,370$76,926$73,441
10 years$98,796$89,300$80,629$72,728$65,545$62,206
11 years$88,899$79,499$70,984$63,295$56,371$53,177
12 years$80,658$71,354$62,997$55,518$48,850$45,798
13 years$73,689$64,483$56,283$49,014$42,598$39,685
14 years$67,722$58,613$50,571$43,509$37,341$34,564
15 years$62,555$53,544$45,659$38,803$32,878$30,234
16 years$58,038$49,126$41,396$34,744$29,058$26,543
17 years$54,057$45,243$37,669$31,217$25,764$23,375
18 years$50,522$41,807$34,387$28,133$22,909$20,641
19 years$47,362$38,746$31,480$25,420$20,419$18,269
20 years$44,523$36,005$28,890$23,023$18,239$16,202
21 years$41,957$33,537$26,574$20,895$16,321$14,394
22 years$39,627$31,305$24,492$18,998$14,630$12,808
23 years$37,503$29,279$22,614$17,302$13,133$11,412
24 years$35,559$27,433$20,914$15,780$11,804$10,181
25 years$33,774$25,744$19,370$14,412$10,622$9,092
26 years$32,128$24,196$17,965$13,177$9,568$8,127
27 years$30,607$22,771$16,682$12,061$8,626$7,270
28 years$29,197$21,457$15,508$11,051$7,783$6,509
29 years$27,887$20,242$14,432$10,134$7,028$5,831
30 years$26,666$19,117$13,443$9,300$6,350$5,227
31 years$25,526$18,071$12,532$8,542$5,741$4,687
32 years$24,460$17,099$11,693$7,850$5,194$4,206
33 years$23,460$16,193$10,918$7,219$4,700$3,775
34 years$22,521$15,348$10,201$6,642$4,255$3,390
35 years$21,638$14,557$9,537$6,114$3,854$3,045
36 years$20,806$13,817$8,922$5,631$3,492$2,736
37 years$20,020$13,123$8,350$5,188$3,165$2,459
38 years$19,278$12,471$7,820$4,782$2,869$2,211
39 years$18,575$11,859$7,326$4,409$2,602$1,988
40 years$17,910$11,283$6,867$4,067$2,360$1,788
41 years$17,278$10,740$6,439$3,752$2,141$1,608
42 years$16,678$10,229$6,040$3,463$1,943$1,447
43 years$16,108$9,746$5,668$3,197$1,763$1,302
44 years$15,565$9,290$5,320$2,952$1,601$1,171
45 years$15,047$8,859$4,995$2,726$1,453$1,054
46 years$14,554$8,451$4,692$2,518$1,319$949
47 years$14,083$8,065$4,408$2,326$1,198$854
48 years$13,632$7,699$4,142$2,150$1,088$769
49 years$13,202$7,352$3,893$1,987$988$692
50 years$12,790$7,023$3,660$1,836$898$623

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 $4,177 every year, while hoping to spend $28,029 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: 76/12/12 Blend
49$13,100,000$13,100,000$13,100,000$13,100,000
50$14,440,509$13,746,209$13,543,159$15,503,833
51$15,883,618$14,389,950$13,967,032$16,849,053
52$17,472,985$15,064,296$14,404,165$18,319,362
53$19,223,498$15,770,715$14,854,974$19,930,370
54$21,151,564$16,510,750$15,319,885$21,696,065
55$23,275,262$17,286,015$15,799,339$23,631,847
56$25,614,514$18,098,204$16,293,792$25,754,670
57$28,191,272$18,949,094$16,803,712$28,083,203
58$31,029,729$19,840,546$17,329,583$30,638,000
59$34,156,540$20,774,512$17,871,903$33,441,696
60$37,601,082$21,753,039$18,431,187$36,519,213
61$41,395,726$22,778,271$19,007,965$39,898,000
62$45,576,143$23,852,458$19,602,784$43,608,283
63$50,181,640$24,977,960$20,216,209$47,683,350
64$55,255,535$26,157,248$20,848,820$52,159,863
65$60,845,562$27,392,915$21,501,217$57,078,201
66$67,004,321$28,687,680$22,174,020$62,482,838
67$73,789,778$30,044,392$22,867,866$68,422,758
68$81,265,809$31,466,041$23,583,412$74,951,917
69$89,502,803$32,955,758$24,321,338$82,129,747
70$98,578,328$34,516,830$25,082,342$90,021,712
71$108,577,864$36,152,701$25,867,147$98,699,926
72$119,595,606$37,866,983$26,676,496$108,243,827
73$131,735,355$39,663,462$27,511,156$118,740,923
74$145,111,500$41,546,111$28,371,919$130,287,614
75$159,850,095$43,519,093$29,259,600$142,990,099
76$176,090,049$45,586,773$30,175,042$156,965,371
77$193,984,439$47,753,729$31,119,110$172,342,318
78$213,701,953$50,024,763$32,092,701$189,262,936
79$235,428,482$52,404,906$33,096,737$207,883,662
80$259,368,879$54,899,438$34,132,169$228,376,845
81$285,748,887$57,513,893$35,199,979$250,932,368
82$314,817,274$60,254,074$36,301,179$275,759,437
83$346,848,179$63,126,067$37,436,812$303,088,543
84$382,143,702$66,136,254$38,607,954$333,173,639
85$421,036,755$69,291,325$39,815,715$366,294,523
86$463,894,202$72,598,298$41,061,240$402,759,480
87$511,120,327$76,064,531$42,345,708$442,908,177
88$563,160,648$79,697,741$43,670,337$487,114,866
89$620,506,123$83,506,019$45,036,381$535,791,910
90$683,697,783$87,497,849$46,445,136$589,393,661
91$753,331,843$91,682,130$47,897,934$648,420,748
92$830,065,329$96,068,193$49,396,154$713,424,788
93$914,622,281$100,665,822$50,941,213$785,013,587
94$1,007,800,586$105,485,280$52,534,576$863,856,865
95$1,110,479,513$110,537,326$54,177,751$950,692,570
96$1,223,628,014$115,833,245$55,872,296$1,046,333,831
97$1,348,313,869$121,384,872$57,619,815$1,151,676,626
98$1,485,713,768$127,204,615$59,421,964$1,267,708,224
99$1,637,124,422$133,305,491$61,280,449$1,395,516,495
100$1,803,974,800$139,701,147$63,197,031$1,536,300,167