Can I retire at age 50 with 13,500,000?

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 $13,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,066,154
2 years$551,890$541,611$531,650$521,992$512,623$502,192
3 years$364,272$353,949$344,013$334,445$325,229$315,045
4 years$270,481$260,190$250,353$240,949$231,956$222,098
5 years$214,222$203,992$194,284$185,072$176,329$166,826
6 years$176,727$166,575$157,011$148,003$139,524$130,386
7 years$149,956$139,889$130,477$121,682$113,470$104,703
8 years$129,887$119,911$110,654$102,076$94,134$85,737
9 years$114,286$104,404$95,307$86,946$79,275$71,245
10 years$101,812$92,027$83,091$74,948$67,546$59,879
11 years$91,613$81,926$73,152$65,227$58,092$50,781
12 years$83,120$73,533$64,920$57,213$50,341$43,379
13 years$75,940$66,452$58,002$50,511$43,898$37,277
14 years$69,790$60,403$52,115$44,838$38,481$32,192
15 years$64,465$55,179$47,053$39,987$33,882$27,915
16 years$59,810$50,626$42,660$35,804$29,945$24,292
17 years$55,707$46,625$38,819$32,170$26,551$21,201
18 years$52,064$43,083$35,437$28,992$23,608$18,550
19 years$48,809$39,929$32,441$26,196$21,042$16,266
20 years$45,882$37,104$29,772$23,726$18,795$14,291
21 years$43,238$34,561$27,385$21,533$16,820$12,575
22 years$40,837$32,261$25,239$19,578$15,077$11,082
23 years$38,649$30,173$23,304$17,830$13,534$9,777
24 years$36,645$28,271$21,552$16,262$12,164$8,636
25 years$34,805$26,531$19,962$14,852$10,946$7,635
26 years$33,109$24,934$18,514$13,580$9,860$6,756
27 years$31,542$23,466$17,192$12,430$8,889$5,982
28 years$30,089$22,112$15,982$11,388$8,021$5,300
29 years$28,738$20,860$14,872$10,443$7,243$4,699
30 years$27,480$19,700$13,853$9,584$6,544$4,168
31 years$26,306$18,623$12,915$8,802$5,917$3,699
32 years$25,207$17,621$12,050$8,090$5,352$3,283
33 years$24,177$16,688$11,251$7,439$4,844$2,916
34 years$23,209$15,816$10,512$6,845$4,385$2,590
35 years$22,299$15,001$9,828$6,301$3,972$2,301
36 years$21,441$14,239$9,194$5,803$3,599$2,045
37 years$20,632$13,523$8,605$5,347$3,262$1,818
38 years$19,867$12,852$8,059$4,928$2,957$1,617
39 years$19,143$12,221$7,550$4,544$2,682$1,438
40 years$18,457$11,627$7,077$4,191$2,432$1,279
41 years$17,806$11,068$6,636$3,867$2,207$1,137
42 years$17,187$10,541$6,224$3,569$2,002$1,012
43 years$16,600$10,043$5,841$3,294$1,817$900
44 years$16,040$9,573$5,483$3,042$1,649$801
45 years$15,507$9,129$5,148$2,809$1,497$713
46 years$14,998$8,709$4,835$2,595$1,360$634
47 years$14,513$8,311$4,543$2,397$1,235$565
48 years$14,049$7,934$4,269$2,215$1,121$503
49 years$13,605$7,576$4,012$2,047$1,018$447
50 years$13,181$7,237$3,772$1,892$925$398

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,500,000, adding $2,234 every year, while hoping to spend $51,166 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: 72/19/9 Blend
49$13,500,000$13,500,000$13,500,000$13,500,000
50$14,879,304$14,163,804$13,954,554$15,926,608
51$16,342,553$14,803,391$14,367,592$17,258,370
52$17,953,339$15,472,602$14,792,751$18,709,505
53$19,726,655$16,172,835$15,230,384$20,296,947
54$21,679,025$16,905,555$15,680,853$22,034,131
55$23,828,655$17,672,297$16,144,531$23,935,843
56$26,195,606$18,474,668$16,621,801$26,018,357
57$28,801,983$19,314,352$17,113,057$28,299,584
58$31,672,145$20,193,115$17,618,704$30,799,242
59$34,832,933$21,112,807$18,139,160$33,539,034
60$38,313,924$22,075,365$18,674,853$36,542,855
61$42,147,709$23,082,823$19,226,225$39,837,010
62$46,370,201$24,137,307$19,793,730$43,450,460
63$51,020,975$25,241,049$20,377,833$47,415,095
64$56,143,641$26,396,386$20,979,017$51,766,025
65$61,786,251$27,605,769$21,597,773$56,541,914
66$68,001,761$28,871,763$22,234,611$61,785,336
67$74,848,522$30,197,061$22,890,052$67,543,175
68$82,390,836$31,584,482$23,564,633$73,867,063
69$90,699,561$33,036,981$24,258,908$80,813,862
70$99,852,779$34,557,655$24,973,443$88,446,197
71$109,936,533$36,149,752$25,708,825$96,833,038
72$121,045,642$37,816,672$26,465,653$106,050,353
73$133,284,591$39,561,982$27,244,546$116,181,813
74$146,768,519$41,389,419$28,046,138$127,319,579
75$161,624,309$43,302,902$28,871,085$139,565,166
76$177,991,779$45,306,535$29,720,057$153,030,392
77$196,025,008$47,404,623$30,593,746$167,838,433
78$215,893,786$49,601,676$31,492,863$184,124,971
79$237,785,216$51,902,422$32,418,139$202,039,474
80$261,905,486$54,311,819$33,370,324$221,746,596
81$288,481,809$56,835,061$34,350,193$243,427,724
82$317,764,567$59,477,593$35,358,539$267,282,684
83$350,029,683$62,245,124$36,396,179$293,531,614
84$385,581,213$65,143,638$37,463,954$322,417,039
85$424,754,227$68,179,407$38,562,727$354,206,146
86$467,917,967$71,359,006$39,693,386$389,193,300
87$515,479,330$74,689,328$40,856,845$427,702,809
88$567,886,715$78,177,598$42,054,043$470,091,978
89$625,634,250$81,831,391$43,285,944$516,754,469
90$689,266,462$85,658,647$44,553,541$568,124,005
91$759,383,411$89,667,691$45,857,855$624,678,453
92$836,646,359$93,867,248$47,199,933$686,944,322
93$921,784,012$98,266,468$48,580,856$755,501,721
94$1,015,599,398$102,874,941$50,001,730$830,989,819
95$1,118,977,445$107,702,722$51,463,697$914,112,865
96$1,232,893,340$112,760,351$52,967,927$1,005,646,820
97$1,358,421,733$118,058,881$54,515,624$1,106,446,671
98$1,496,746,880$123,609,896$56,108,028$1,217,454,479
99$1,649,173,825$129,425,544$57,746,411$1,339,708,257
100$1,817,140,720$135,518,561$59,432,080$1,474,351,754