Can I retire at age 50 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,084,696
2 years$568,242$557,659$547,403$537,458$527,812$504,041
3 years$375,065$364,436$354,206$344,355$334,866$311,775
4 years$278,495$267,899$257,771$248,088$238,829$216,596
5 years$220,569$210,036$200,041$190,555$181,554$160,242
6 years$181,964$171,510$161,663$152,389$143,658$123,288
7 years$154,399$144,034$134,343$125,287$116,832$97,410
8 years$133,736$123,464$113,933$105,100$96,923$78,442
9 years$117,672$107,498$98,131$89,522$81,624$64,070
10 years$104,829$94,754$85,552$77,169$69,547$52,904
11 years$94,328$84,354$75,319$67,160$59,813$44,058
12 years$85,583$75,711$66,844$58,908$51,833$36,943
13 years$78,190$68,421$59,720$52,007$45,199$31,147
14 years$71,858$62,193$53,659$46,166$39,621$26,380
15 years$66,375$56,814$48,447$41,172$34,886$22,426
16 years$61,582$52,126$43,924$36,865$30,832$19,124
17 years$57,358$48,006$39,969$33,123$27,338$16,350
18 years$53,607$44,360$36,487$29,851$24,308$14,010
19 years$50,255$41,112$33,402$26,973$21,666$12,026
20 years$47,242$38,203$30,655$24,429$19,352$10,340
21 years$44,519$35,585$28,196$22,171$17,318$8,902
22 years$42,047$33,217$25,987$20,158$15,523$7,673
23 years$39,794$31,067$23,995$18,359$13,935$6,620
24 years$37,731$29,108$22,191$16,744$12,525$5,716
25 years$35,836$27,317$20,553$15,292$11,270$4,939
26 years$34,090$25,673$19,062$13,982$10,152$4,271
27 years$32,476$24,161$17,701$12,798$9,153$3,695
28 years$30,980$22,767$16,455$11,726$8,259$3,198
29 years$29,590$21,478$15,313$10,753$7,457$2,769
30 years$28,294$20,284$14,264$9,868$6,738$2,398
31 years$27,085$19,175$13,297$9,063$6,092$2,078
32 years$25,954$18,144$12,407$8,329$5,511$1,800
33 years$24,893$17,182$11,584$7,660$4,987$1,561
34 years$23,897$16,285$10,824$7,047$4,515$1,353
35 years$22,960$15,446$10,119$6,488$4,090$1,173
36 years$22,076$14,660$9,466$5,975$3,705$1,017
37 years$21,243$13,924$8,860$5,505$3,358$883
38 years$20,455$13,233$8,297$5,074$3,045$766
39 years$19,710$12,583$7,774$4,679$2,761$664
40 years$19,003$11,972$7,286$4,315$2,504$576
41 years$18,333$11,396$6,832$3,981$2,272$500
42 years$17,697$10,853$6,409$3,674$2,062$434
43 years$17,091$10,341$6,014$3,392$1,871$376
44 years$16,515$9,857$5,645$3,132$1,698$327
45 years$15,966$9,400$5,301$2,892$1,542$283
46 years$15,442$8,967$4,978$2,672$1,400$246
47 years$14,943$8,557$4,677$2,468$1,271$214
48 years$14,465$8,169$4,395$2,281$1,154$185
49 years$14,008$7,801$4,131$2,108$1,048$161
50 years$13,571$7,452$3,884$1,948$952$140

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,900,000, adding $4,885 every year, while hoping to spend $46,079 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: 89/6/5 Blend
49$13,900,000$13,900,000$13,900,000$13,900,000
50$15,322,839$14,586,139$14,370,689$16,688,510
51$16,836,741$15,251,832$14,803,079$18,242,715
52$18,503,516$15,948,600$15,248,410$19,944,469
53$20,338,710$16,677,916$15,707,067$21,814,147
54$22,359,450$17,441,326$16,179,445$23,868,664
55$24,584,611$18,240,447$16,665,954$26,126,656
56$27,034,989$19,076,978$17,167,011$28,608,649
57$29,733,503$19,952,694$17,683,051$31,337,253
58$32,705,405$20,869,461$18,214,518$34,337,377
59$35,978,522$21,829,231$18,761,871$37,636,461
60$39,583,518$22,834,050$19,325,580$41,264,730
61$43,554,182$23,886,063$19,906,132$45,255,487
62$47,927,748$24,987,519$20,504,026$49,645,415
63$52,745,245$26,140,775$21,119,778$54,474,932
64$58,051,886$27,348,299$21,753,917$59,788,564
65$63,897,493$28,612,680$22,406,988$65,635,366
66$70,336,968$29,936,632$23,079,552$72,069,387
67$77,430,811$31,322,999$23,772,189$79,150,170
68$85,245,688$32,774,761$24,485,492$86,943,321
69$93,855,067$34,295,042$25,220,075$95,521,123
70$103,339,903$35,887,119$25,976,567$104,963,215
71$113,789,408$37,554,423$26,755,617$115,357,345
72$125,301,892$39,300,553$27,557,894$126,800,191
73$137,985,686$41,129,282$28,384,085$139,398,279
74$151,960,173$43,044,563$29,234,898$153,268,981
75$167,356,905$45,050,541$30,111,061$168,541,620
76$184,320,852$47,151,561$31,013,325$185,358,694
77$203,011,769$49,352,178$31,942,462$203,877,211
78$223,605,701$51,657,165$32,899,266$224,270,176
79$246,296,645$54,071,530$33,884,554$246,728,216
80$271,298,386$56,600,517$34,899,169$271,461,379
81$298,846,508$59,249,629$35,943,978$298,701,114
82$329,200,622$62,024,631$37,019,872$328,702,451
83$362,646,817$64,931,570$38,127,769$361,746,408
84$399,500,357$67,976,781$39,268,614$398,142,640
85$440,108,661$71,166,911$40,443,380$438,232,355
86$484,854,578$74,508,924$41,653,067$482,391,535
87$534,160,007$78,010,122$42,898,706$531,034,483
88$588,489,872$81,678,163$44,181,357$584,617,726
89$648,356,518$85,521,072$45,502,112$643,644,322
90$714,324,544$89,547,265$46,862,093$708,668,607
91$787,016,131$93,765,565$48,262,458$780,301,419
92$867,116,921$98,185,222$49,704,394$859,215,866
93$955,382,483$102,815,934$51,189,128$946,153,670
94$1,052,645,451$107,667,870$52,717,918$1,041,932,167
95$1,159,823,381$112,751,690$54,292,063$1,147,452,016
96$1,277,927,415$118,078,572$55,912,896$1,263,705,698
97$1,408,071,826$123,660,236$57,581,792$1,391,786,878
98$1,551,484,534$129,508,969$59,300,164$1,532,900,724
99$1,709,518,704$135,637,656$61,069,467$1,688,375,278
100$1,883,665,516$142,059,806$62,891,198$1,859,673,989