Can I retire at age 50 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,068,202
2 years$564,154$553,647$543,464$533,591$524,015$491,806
3 years$372,367$361,815$351,657$341,877$332,457$301,277
4 years$276,492$265,972$255,917$246,303$237,111$207,200
5 years$218,982$208,525$198,602$189,185$180,248$151,687
6 years$180,655$170,277$160,500$151,292$142,624$115,439
7 years$153,289$142,998$133,376$124,386$115,992$90,182
8 years$132,774$122,576$113,113$104,344$96,226$71,777
9 years$116,826$106,724$97,425$88,878$81,036$57,922
10 years$104,075$94,072$84,937$76,614$69,047$47,236
11 years$93,649$83,747$74,777$66,677$59,383$38,838
12 years$84,967$75,167$66,363$58,485$51,460$32,141
13 years$77,627$67,929$59,291$51,633$44,874$26,738
14 years$71,341$61,745$53,273$45,834$39,336$22,337
15 years$65,897$56,405$48,098$40,876$34,635$18,725
16 years$61,139$51,751$43,608$36,600$30,610$15,741
17 years$56,945$47,661$39,682$32,885$27,141$13,264
18 years$53,221$44,041$36,224$29,636$24,133$11,199
19 years$49,893$40,816$33,162$26,779$21,510$9,471
20 years$46,902$37,929$30,434$24,253$19,213$8,020
21 years$44,199$35,329$27,994$22,011$17,194$6,800
22 years$41,745$32,978$25,800$20,013$15,412$5,770
23 years$39,507$30,844$23,822$18,226$13,834$4,901
24 years$37,460$28,899$22,031$16,624$12,435$4,165
25 years$35,579$27,120$20,405$15,182$11,189$3,542
26 years$33,845$25,489$18,925$13,881$10,079$3,014
27 years$32,243$23,988$17,574$12,706$9,087$2,565
28 years$30,757$22,603$16,337$11,641$8,199$2,184
29 years$29,377$21,324$15,203$10,675$7,404$1,861
30 years$28,091$20,138$14,161$9,797$6,690$1,585
31 years$26,890$19,037$13,202$8,998$6,048$1,351
32 years$25,767$18,013$12,318$8,269$5,471$1,151
33 years$24,714$17,059$11,501$7,604$4,951$981
34 years$23,725$16,168$10,746$6,997$4,483$837
35 years$22,794$15,335$10,047$6,441$4,060$714
36 years$21,918$14,555$9,398$5,932$3,679$608
37 years$21,090$13,824$8,797$5,465$3,334$519
38 years$20,308$13,138$8,238$5,038$3,023$443
39 years$19,568$12,493$7,718$4,645$2,741$377
40 years$18,867$11,886$7,234$4,284$2,486$322
41 years$18,201$11,314$6,783$3,953$2,256$275
42 years$17,569$10,775$6,363$3,648$2,047$234
43 years$16,968$10,266$5,971$3,367$1,858$200
44 years$16,396$9,786$5,604$3,109$1,686$171
45 years$15,851$9,332$5,262$2,872$1,531$145
46 years$15,331$8,902$4,943$2,652$1,390$124
47 years$14,835$8,496$4,643$2,451$1,262$106
48 years$14,361$8,110$4,364$2,264$1,146$90
49 years$13,908$7,745$4,101$2,093$1,041$77
50 years$13,474$7,398$3,856$1,934$945$66

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,800,000, adding $4,177 every year, while hoping to spend $43,065 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: 72/23/5 Blend
49$13,800,000$13,800,000$13,800,000$13,800,000
50$15,211,909$14,480,509$14,266,609$16,300,304
51$16,717,702$15,144,233$14,698,719$17,681,857
52$18,375,644$15,839,036$15,143,862$19,188,097
53$20,201,207$16,566,396$15,602,428$20,835,887
54$22,211,441$17,327,860$16,074,821$22,639,149
55$24,425,135$18,125,053$16,561,455$24,613,205
56$26,862,992$18,959,673$17,062,757$26,774,913
57$29,547,825$19,833,505$17,579,167$29,142,827
58$32,504,772$20,748,416$18,111,138$31,737,368
59$35,761,535$21,706,364$18,659,137$34,581,011
60$39,348,637$22,709,402$19,223,644$37,698,495
61$43,299,716$23,759,681$19,805,154$41,117,054
62$47,651,837$24,859,455$20,404,177$44,866,668
63$52,445,844$26,011,088$21,021,236$48,980,341
64$57,726,746$27,217,057$21,656,873$53,494,411
65$63,544,139$28,479,958$22,311,643$58,448,886
66$69,952,679$29,802,513$22,986,121$63,887,816
67$77,012,591$31,187,575$23,680,895$69,859,708
68$84,790,243$32,638,134$24,396,573$76,417,972
69$93,358,771$34,157,326$25,133,781$83,621,427
70$102,798,766$35,748,435$25,893,163$91,534,842
71$113,199,038$37,414,907$26,675,382$100,229,550
72$124,657,455$39,160,352$27,481,122$109,784,108
73$137,281,861$40,988,555$28,311,086$120,285,035
74$151,191,102$42,903,485$29,165,998$131,827,622
75$166,516,139$44,909,301$30,046,604$144,516,823
76$183,401,292$47,010,363$30,953,672$158,468,237
77$202,005,597$49,211,244$31,887,992$173,809,195
78$222,504,307$51,516,734$32,850,380$190,679,948
79$245,090,552$53,931,860$33,841,673$209,234,989
80$269,977,154$56,461,887$34,862,735$229,644,494
81$297,398,642$59,112,337$35,914,454$252,095,928
82$327,613,461$61,888,999$36,997,746$276,795,794
83$360,906,417$64,797,943$38,113,554$303,971,584
84$397,591,361$67,845,531$39,262,847$333,873,903
85$438,014,152$71,038,435$40,446,625$366,778,833
86$482,555,925$74,383,647$41,665,916$402,990,522
87$531,636,685$77,888,502$42,921,780$442,844,042
88$585,719,274$81,560,686$44,215,307$486,708,543
89$645,313,740$85,408,260$45,547,620$534,990,721
90$710,982,152$89,439,675$46,919,875$588,138,641
91$783,343,903$93,663,790$48,333,263$646,645,956
92$863,081,562$98,089,898$49,789,009$711,056,548
93$950,947,315$102,727,736$51,288,374$781,969,647
94$1,047,770,066$107,587,519$52,832,659$860,045,470
95$1,154,463,259$112,679,955$54,423,200$946,011,433
96$1,272,033,509$118,016,269$56,061,374$1,040,669,005
97$1,401,590,096$123,608,236$57,748,600$1,144,901,249
98$1,544,355,444$129,468,198$59,486,336$1,259,681,137
99$1,701,676,658$135,609,098$61,276,086$1,386,080,716
100$1,875,038,239$142,044,506$63,119,397$1,525,281,205