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%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 $2,328 every year, while hoping to spend $28,958 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: 74/17/9 Blend
49$13,100,000$13,100,000$13,100,000$13,100,000
50$14,438,601$13,744,301$13,541,251$15,484,743
51$15,880,528$14,386,961$13,964,072$16,817,423
52$17,468,560$15,060,140$14,400,087$18,273,119
53$19,217,570$15,765,305$14,849,707$19,867,063
54$21,143,947$16,503,989$15,313,357$21,612,930
55$23,265,749$17,277,804$15,791,474$23,525,776
56$25,602,876$18,088,437$16,284,509$25,622,172
57$28,177,256$18,937,658$16,792,927$27,920,358
58$31,013,055$19,827,321$17,317,208$30,440,416
59$34,136,899$20,759,372$17,857,847$33,204,453
60$37,578,131$21,735,850$18,415,354$36,236,809
61$41,369,086$22,758,892$18,990,254$39,564,282
62$45,545,395$23,830,740$19,583,089$43,216,378
63$50,146,322$24,953,743$20,194,419$47,225,589
64$55,215,135$26,130,365$20,824,821$51,627,691
65$60,799,516$27,363,189$21,474,889$56,462,083
66$66,952,004$28,654,924$22,145,236$61,772,152
67$73,730,501$30,008,407$22,836,494$67,605,679
68$81,198,811$31,426,618$23,549,315$74,015,287
69$89,427,243$32,912,676$24,284,371$81,058,932
70$98,493,280$34,469,855$25,042,355$88,800,446
71$108,482,303$36,101,586$25,823,982$97,310,136
72$119,488,401$37,811,468$26,629,989$106,665,440
73$131,615,260$39,603,272$27,461,136$116,951,654
74$144,977,139$41,480,954$28,318,206$128,262,733
75$159,699,948$43,448,662$29,202,007$140,702,170
76$175,922,441$45,510,745$30,113,372$154,383,967
77$193,797,521$47,671,762$31,053,161$169,433,709
78$213,493,685$49,936,495$32,022,259$185,989,736
79$235,196,615$52,309,958$33,021,579$204,204,448
80$259,110,932$54,797,408$34,052,064$224,245,733
81$285,462,123$57,404,357$35,114,684$246,298,547
82$314,498,675$60,136,586$36,210,442$270,566,648
83$346,494,417$63,000,155$37,340,368$297,274,516
84$381,751,105$66,001,421$38,505,529$326,669,461
85$420,601,276$69,147,048$39,707,021$359,023,949
86$463,411,377$72,444,025$40,945,978$394,638,164
87$510,585,236$75,899,680$42,223,566$433,842,834
88$562,567,864$79,521,698$43,540,990$477,002,339
89$619,849,662$83,318,138$44,899,489$524,518,145
90$682,971,049$87,297,448$46,300,344$576,832,579
91$752,527,565$91,468,492$47,744,874$634,432,994
92$829,175,490$95,840,562$49,234,441$697,856,359
93$913,638,042$100,423,401$50,770,446$767,694,310
94$1,006,712,204$105,227,229$52,354,338$844,598,730
95$1,109,276,247$110,262,761$53,987,606$929,287,880
96$1,222,298,023$115,541,236$55,671,790$1,022,553,173
97$1,346,844,102$121,074,438$57,408,476$1,125,266,624
98$1,484,089,840$126,874,724$59,199,299$1,238,389,067
99$1,635,330,473$132,955,055$61,045,945$1,362,979,211
100$1,801,993,349$139,329,021$62,950,152$1,500,203,617