Can I retire at age 50 with 13,700,000?

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 $13,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$1,131,333$1,121,256$1,111,424$1,101,828$1,092,457$1,066,047
2 years$560,066$549,635$539,526$529,725$520,218$493,769
3 years$369,668$359,193$349,109$339,400$330,048$304,387
4 years$274,488$264,045$254,062$244,518$235,393$210,717
5 years$217,395$207,014$197,163$187,814$178,942$155,320
6 years$179,346$169,043$159,337$150,196$141,591$119,047
7 years$152,178$141,962$132,410$123,484$115,151$93,688
8 years$131,811$121,687$112,294$103,588$95,529$75,138
9 years$115,979$105,951$96,719$88,234$80,449$61,113
10 years$103,321$93,390$84,321$76,059$68,547$50,244
11 years$92,971$83,140$74,235$66,194$58,952$41,657
12 years$84,352$74,622$65,882$58,061$51,087$34,770
13 years$77,065$67,437$58,861$51,259$44,549$29,179
14 years$70,824$61,298$52,887$45,502$39,051$24,595
15 years$65,420$55,997$47,750$40,580$34,384$20,807
16 years$60,696$51,376$43,292$36,335$30,388$17,655
17 years$56,533$47,315$39,394$32,647$26,945$15,018
18 years$52,836$43,721$35,962$29,421$23,958$12,802
19 years$49,532$40,521$32,921$26,584$21,354$10,933
20 years$46,562$37,654$30,214$24,077$19,074$9,350
21 years$43,878$35,073$27,791$21,852$17,069$8,007
22 years$41,442$32,739$25,613$19,868$15,300$6,864
23 years$39,221$30,620$23,649$18,094$13,734$5,890
24 years$37,188$28,689$21,872$16,503$12,345$5,058
25 years$35,321$26,924$20,258$15,072$11,108$4,346
26 years$33,600$25,304$18,788$13,781$10,006$3,737
27 years$32,009$23,814$17,446$12,614$9,021$3,214
28 years$30,534$22,440$16,219$11,557$8,140$2,766
29 years$29,164$21,169$15,093$10,598$7,350$2,381
30 years$27,887$19,992$14,058$9,726$6,641$2,051
31 years$26,695$18,899$13,106$8,933$6,004$1,766
32 years$25,580$17,882$12,228$8,210$5,431$1,522
33 years$24,535$16,935$11,418$7,549$4,915$1,311
34 years$23,553$16,051$10,668$6,946$4,450$1,130
35 years$22,629$15,224$9,974$6,394$4,031$974
36 years$21,759$14,449$9,330$5,889$3,652$840
37 years$20,937$13,724$8,733$5,426$3,310$724
38 years$20,161$13,042$8,178$5,001$3,001$625
39 years$19,426$12,402$7,662$4,611$2,721$539
40 years$18,730$11,800$7,182$4,253$2,468$465
41 years$18,070$11,232$6,734$3,924$2,239$401
42 years$17,442$10,697$6,317$3,622$2,032$346
43 years$16,845$10,192$5,927$3,343$1,844$298
44 years$16,278$9,715$5,564$3,087$1,674$257
45 years$15,736$9,264$5,224$2,851$1,520$222
46 years$15,220$8,838$4,907$2,633$1,380$191
47 years$14,728$8,434$4,610$2,433$1,253$165
48 years$14,257$8,051$4,332$2,248$1,138$142
49 years$13,807$7,689$4,072$2,078$1,033$123
50 years$13,376$7,344$3,828$1,920$939$106

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,700,000, adding $3,623 every year, while hoping to spend $21,321 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: 48/29/23 Blend
49$13,700,000$13,700,000$13,700,000$13,700,000
50$15,101,137$14,375,037$14,162,687$15,727,204
51$16,618,768$15,056,729$14,614,452$16,846,607
52$18,290,482$15,771,108$15,080,636$18,059,063
53$20,131,974$16,519,756$15,561,700$19,375,289
54$22,160,538$17,304,326$16,058,120$20,805,047
55$24,395,231$18,126,557$16,570,385$22,359,065
56$26,857,054$18,988,267$17,099,002$24,049,124
57$29,569,149$19,891,367$17,644,494$25,888,171
58$32,557,016$20,837,858$18,207,399$27,890,432
59$35,848,758$21,829,840$18,788,273$30,071,542
60$39,475,342$22,869,512$19,387,690$32,448,688
61$43,470,893$23,959,184$20,006,244$35,040,764
62$47,873,015$25,101,276$20,644,544$37,868,542
63$52,723,149$26,298,325$21,303,223$40,954,866
64$58,066,960$27,552,992$21,982,930$44,324,853
65$63,954,770$28,868,069$22,684,339$48,006,133
66$70,442,033$30,246,481$23,408,141$52,029,092
67$77,589,860$31,691,298$24,155,053$56,427,159
68$85,465,591$33,205,737$24,925,812$61,237,110
69$94,143,436$34,793,172$25,721,182$66,499,406
70$103,705,172$36,457,144$26,541,947$72,258,567
71$114,240,917$38,201,361$27,388,920$78,563,584
72$125,849,979$40,029,717$28,262,938$85,468,371
73$138,641,796$41,946,291$29,164,865$93,032,261
74$152,736,963$43,955,364$30,095,592$101,320,559
75$168,268,380$46,061,423$31,056,041$110,405,148
76$185,382,497$48,269,175$32,047,160$120,365,152
77$204,240,702$50,583,555$33,069,930$131,287,674
78$225,020,843$53,009,739$34,125,363$143,268,602
79$247,918,908$55,553,155$35,214,501$156,413,506
80$273,150,873$58,219,496$36,338,423$170,838,616
81$300,954,741$61,014,730$37,498,240$186,671,907
82$331,592,792$63,945,120$38,695,098$204,054,292
83$365,354,056$67,017,229$39,930,183$223,140,934
84$402,557,040$70,237,944$41,204,715$244,102,698
85$443,552,740$73,614,486$42,519,955$267,127,741
86$488,727,951$77,154,426$43,877,204$292,423,276
87$538,508,917$80,865,708$45,277,806$320,217,505
88$593,365,359$84,756,661$46,723,145$350,761,755
89$653,814,907$88,836,018$48,214,652$384,332,827
90$720,427,987$93,112,943$49,753,802$421,235,593
91$793,833,206$97,597,041$51,342,118$461,805,846
92$874,723,286$102,298,389$52,981,172$506,413,446
93$963,861,606$107,227,555$54,672,586$555,465,792
94$1,062,089,406$112,395,621$56,418,034$609,411,634
95$1,170,333,729$117,814,211$58,219,242$668,745,289
96$1,289,616,177$123,495,514$60,077,994$734,011,275
97$1,421,062,549$129,452,316$61,996,129$805,809,421
98$1,565,913,475$135,698,026$63,975,545$884,800,502
99$1,725,536,126$142,246,705$66,018,202$971,712,440
100$1,901,437,120$149,113,103$68,126,121$1,067,347,145