Can I retire at age 50 with 13,600,000?

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 $13,600,000?

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$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,060,420
2 years$555,978$545,623$535,588$525,858$516,421$492,303
3 years$366,970$356,571$346,561$336,922$327,638$304,219
4 years$272,485$262,117$252,208$242,734$233,674$211,133
5 years$215,808$205,503$195,723$186,443$177,636$156,036
6 years$178,036$167,809$158,174$149,100$140,557$119,922
7 years$151,067$140,926$131,443$122,583$114,310$94,644
8 years$130,849$120,799$111,474$102,832$94,832$76,126
9 years$115,133$105,177$96,013$87,590$79,862$62,104
10 years$102,567$92,709$83,706$75,503$68,046$51,217
11 years$92,292$82,533$73,693$65,711$58,522$42,599
12 years$83,736$74,077$65,401$57,637$50,714$35,673
13 years$76,502$66,944$58,431$50,885$44,224$30,036
14 years$70,307$60,850$52,501$45,170$38,766$25,405
15 years$64,942$55,588$47,401$40,284$34,133$21,567
16 years$60,253$51,001$42,976$36,070$30,167$18,365
17 years$56,120$46,970$39,107$32,408$26,748$15,679
18 years$52,450$43,402$35,699$29,206$23,783$13,415
19 years$49,170$40,225$32,681$26,390$21,198$11,498
20 years$46,222$37,379$29,993$23,902$18,935$9,871
21 years$43,558$34,817$27,588$21,692$16,944$8,485
22 years$41,140$32,500$25,426$19,723$15,188$7,302
23 years$38,935$30,397$23,477$17,962$13,634$6,290
24 years$36,917$28,480$21,712$16,383$12,254$5,423
25 years$35,063$26,727$20,110$14,962$11,027$4,679
26 years$33,354$25,119$18,651$13,680$9,933$4,039
27 years$31,775$23,640$17,319$12,522$8,955$3,488
28 years$30,311$22,276$16,100$11,473$8,080$3,014
29 years$28,951$21,015$14,983$10,521$7,296$2,606
30 years$27,684$19,846$13,956$9,655$6,593$2,253
31 years$26,500$18,761$13,010$8,868$5,961$1,949
32 years$25,393$17,752$12,139$8,150$5,392$1,686
33 years$24,356$16,811$11,334$7,494$4,880$1,459
34 years$23,381$15,933$10,590$6,895$4,418$1,263
35 years$22,464$15,113$9,901$6,348$4,001$1,093
36 years$21,600$14,344$9,262$5,846$3,625$946
37 years$20,785$13,624$8,669$5,386$3,286$820
38 years$20,014$12,947$8,118$4,965$2,979$710
39 years$19,284$12,311$7,606$4,578$2,701$615
40 years$18,593$11,713$7,129$4,222$2,450$532
41 years$17,938$11,150$6,685$3,896$2,223$461
42 years$17,315$10,619$6,271$3,595$2,017$399
43 years$16,723$10,118$5,884$3,319$1,831$346
44 years$16,159$9,644$5,523$3,064$1,662$300
45 years$15,622$9,197$5,186$2,830$1,509$260
46 years$15,109$8,773$4,871$2,614$1,370$225
47 years$14,620$8,372$4,576$2,415$1,244$195
48 years$14,153$7,993$4,300$2,232$1,129$169
49 years$13,706$7,632$4,042$2,062$1,026$146
50 years$13,278$7,291$3,800$1,906$932$127

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,600,000, adding $5,108 every year, while hoping to spend $56,958 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: 77/13/10 Blend
49$13,600,000$13,600,000$13,600,000$13,600,000
50$14,992,469$14,271,669$14,060,869$16,120,663
51$16,461,098$14,910,378$14,471,305$17,502,186
52$18,077,618$15,578,474$14,893,582$19,008,788
53$19,857,054$16,277,339$15,328,036$20,659,089
54$21,815,961$17,008,416$15,775,013$22,467,372
55$23,972,582$17,773,221$16,234,869$24,449,358
56$26,347,017$18,573,341$16,707,968$26,622,359
57$28,961,415$19,410,437$17,194,688$29,005,434
58$31,840,183$20,286,251$17,695,413$31,619,571
59$35,010,212$21,202,609$18,210,540$34,487,880
60$38,501,139$22,161,421$18,740,478$37,635,809
61$42,345,616$23,164,692$19,285,645$41,091,383
62$46,579,626$24,214,519$19,846,472$44,885,466
63$51,242,821$25,313,103$20,423,401$49,052,050
64$56,378,891$26,462,748$21,016,888$53,628,570
65$62,035,984$27,665,869$21,627,400$58,656,258
66$68,267,154$28,924,996$22,255,417$64,180,527
67$75,130,863$30,242,780$22,901,432$70,251,399
68$82,691,534$31,622,000$23,565,954$76,923,970
69$91,020,160$33,065,567$24,249,503$84,258,932
70$100,194,970$34,576,533$24,952,615$92,323,136
71$110,302,169$36,158,095$25,675,839$101,190,226
72$121,436,752$37,813,604$26,419,742$110,941,323
73$133,703,402$39,546,571$27,184,904$121,665,793
74$147,217,473$41,360,677$27,971,922$133,462,084
75$162,106,083$43,259,779$28,781,410$146,438,650
76$178,509,313$45,247,917$29,613,997$160,714,972
77$196,581,528$47,329,330$30,470,330$176,422,679
78$216,492,833$49,508,456$31,351,075$193,706,787
79$238,430,680$51,789,949$32,256,915$212,727,064
80$262,601,639$54,178,686$33,188,551$233,659,527
81$289,233,343$56,679,778$34,146,704$256,698,106
82$318,576,640$59,298,583$35,132,115$282,056,464
83$350,907,961$62,040,718$36,145,544$309,970,006
84$386,531,926$64,912,066$37,187,773$340,698,100
85$425,784,223$67,918,798$38,259,604$374,526,515
86$469,034,775$71,067,380$39,361,862$411,770,113
87$516,691,231$74,364,591$40,495,394$452,775,812
88$569,202,816$77,817,534$41,661,068$497,925,856
89$627,064,567$81,433,658$42,859,778$547,641,415
90$690,822,014$85,220,768$44,092,442$602,386,551
91$761,076,322$89,187,048$45,360,001$662,672,590
92$838,489,968$93,341,075$46,663,422$729,062,941
93$923,792,998$97,691,841$48,003,700$802,178,407
94$1,017,789,915$102,248,772$49,381,855$882,703,031
95$1,121,367,273$107,021,748$50,798,934$971,390,548
96$1,235,502,049$112,021,128$52,256,012$1,069,071,484
97$1,361,270,864$117,257,770$53,754,195$1,176,660,994
98$1,499,860,149$122,743,057$55,294,617$1,295,167,478
99$1,652,577,339$128,488,923$56,878,442$1,425,702,099
100$1,820,863,224$134,507,876$58,506,866$1,569,489,252