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%11.8%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,092,124
2 years$564,154$553,647$543,464$533,591$524,015$515,639
3 years$372,367$361,815$351,657$341,877$332,457$324,272
4 years$276,492$265,972$255,917$246,303$237,111$229,181
5 years$218,982$208,525$198,602$189,185$180,248$172,595
6 years$180,655$170,277$160,500$151,292$142,624$135,259
7 years$153,289$142,998$133,376$124,386$115,992$108,917
8 years$132,774$122,576$113,113$104,344$96,226$89,443
9 years$116,826$106,724$97,425$88,878$81,036$74,542
10 years$104,075$94,072$84,937$76,614$69,047$62,838
11 years$93,649$83,747$74,777$66,677$59,383$53,455
12 years$84,967$75,167$66,363$58,485$51,460$45,808
13 years$77,627$67,929$59,291$51,633$44,874$39,491
14 years$71,341$61,745$53,273$45,834$39,336$34,216
15 years$65,897$56,405$48,098$40,876$34,635$29,771
16 years$61,139$51,751$43,608$36,600$30,610$25,995
17 years$56,945$47,661$39,682$32,885$27,141$22,766
18 years$53,221$44,041$36,224$29,636$24,133$19,991
19 years$49,893$40,816$33,162$26,779$21,510$17,593
20 years$46,902$37,929$30,434$24,253$19,213$15,512
21 years$44,199$35,329$27,994$22,011$17,194$13,701
22 years$41,745$32,978$25,800$20,013$15,412$12,119
23 years$39,507$30,844$23,822$18,226$13,834$10,733
24 years$37,460$28,899$22,031$16,624$12,435$9,517
25 years$35,579$27,120$20,405$15,182$11,189$8,447
26 years$33,845$25,489$18,925$13,881$10,079$7,503
27 years$32,243$23,988$17,574$12,706$9,087$6,670
28 years$30,757$22,603$16,337$11,641$8,199$5,934
29 years$29,377$21,324$15,203$10,675$7,404$5,282
30 years$28,091$20,138$14,161$9,797$6,690$4,704
31 years$26,890$19,037$13,202$8,998$6,048$4,191
32 years$25,767$18,013$12,318$8,269$5,471$3,736
33 years$24,714$17,059$11,501$7,604$4,951$3,332
34 years$23,725$16,168$10,746$6,997$4,483$2,972
35 years$22,794$15,335$10,047$6,441$4,060$2,652
36 years$21,918$14,555$9,398$5,932$3,679$2,367
37 years$21,090$13,824$8,797$5,465$3,334$2,113
38 years$20,308$13,138$8,238$5,038$3,023$1,887
39 years$19,568$12,493$7,718$4,645$2,741$1,685
40 years$18,867$11,886$7,234$4,284$2,486$1,505
41 years$18,201$11,314$6,783$3,953$2,256$1,344
42 years$17,569$10,775$6,363$3,648$2,047$1,201
43 years$16,968$10,266$5,971$3,367$1,858$1,073
44 years$16,396$9,786$5,604$3,109$1,686$959
45 years$15,851$9,332$5,262$2,872$1,531$857
46 years$15,331$8,902$4,943$2,652$1,390$766
47 years$14,835$8,496$4,643$2,451$1,262$685
48 years$14,361$8,110$4,364$2,264$1,146$612
49 years$13,908$7,745$4,101$2,093$1,041$547
50 years$13,474$7,398$3,856$1,934$945$489

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 $4,659 every year, while hoping to spend $24,212 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: 40/50/10 Blend
49$13,800,000$13,800,000$13,800,000$13,800,000
50$15,212,406$14,481,006$14,267,106$15,775,091
51$16,738,310$15,164,814$14,719,292$16,855,199
52$18,419,044$15,881,317$15,185,816$18,020,144
53$20,270,377$16,632,091$15,667,131$19,279,794
54$22,309,682$17,418,790$16,163,706$20,642,724
55$24,556,106$18,243,147$16,676,027$22,118,332
56$27,030,746$19,106,979$17,204,591$23,716,923
57$29,756,852$20,012,191$17,749,914$25,449,798
58$32,760,043$20,960,780$18,312,529$27,329,354
59$36,068,552$21,954,843$18,892,983$29,369,189
60$39,713,488$22,996,574$19,491,842$31,584,228
61$43,729,135$24,088,278$20,109,690$33,990,852
62$48,153,272$25,232,368$20,747,129$36,607,043
63$53,027,529$26,431,377$21,404,781$39,452,542
64$58,397,783$27,687,961$22,083,288$42,549,033
65$64,314,589$29,004,903$22,783,309$45,920,327
66$70,833,656$30,385,122$23,505,529$49,592,584
67$78,016,375$31,831,679$24,250,651$53,594,544
68$85,930,399$33,347,785$25,019,402$57,957,785
69$94,650,279$34,936,806$25,812,531$62,717,013
70$104,258,168$36,602,270$26,630,811$67,910,374
71$114,844,599$38,347,879$27,475,041$73,579,796
72$126,509,337$40,177,515$28,346,044$79,771,378
73$139,362,323$42,095,245$29,244,670$86,535,803
74$153,524,707$44,105,340$30,171,793$93,928,805
75$169,129,998$46,212,272$31,128,319$102,011,674
76$186,325,320$48,420,737$32,115,181$110,851,822
77$205,272,804$50,735,654$33,133,340$120,523,394
78$226,151,113$53,162,184$34,183,791$131,107,957
79$249,157,135$55,705,740$35,267,556$142,695,242
80$274,507,838$58,371,996$36,385,694$155,383,975
81$302,442,318$61,166,903$37,539,295$169,282,785
82$333,224,056$64,096,704$38,729,484$184,511,203
83$367,143,410$67,167,943$39,957,421$201,200,772
84$404,520,349$70,387,483$41,224,306$219,496,258
85$445,707,477$73,762,522$42,531,373$239,556,992
86$491,093,363$77,300,609$43,879,897$261,558,347
87$541,106,206$81,009,659$45,271,194$285,693,361
88$596,217,882$84,897,974$46,706,621$312,174,530
89$656,948,391$88,974,261$48,187,578$341,235,784
90$723,870,776$93,247,648$49,715,511$373,134,655
91$797,616,523$97,727,711$51,291,909$408,154,682
92$878,881,531$102,424,492$52,918,311$446,608,040
93$968,432,676$107,348,521$54,596,303$488,838,457
94$1,067,115,053$112,510,842$56,327,522$535,224,412
95$1,175,859,952$117,923,037$58,113,659$586,182,669
96$1,295,693,655$123,597,254$59,956,454$642,172,163
97$1,427,747,119$129,546,230$61,857,706$703,698,287
98$1,573,266,657$135,783,327$63,819,271$771,317,617
99$1,733,625,702$142,322,556$65,843,063$845,643,107
100$1,910,337,773$149,178,611$67,931,055$927,349,830