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%16%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,081,171
2 years$568,242$557,659$547,403$537,458$527,812$500,542
3 years$375,065$364,436$354,206$344,355$334,866$308,413
4 years$278,495$267,899$257,771$248,088$238,829$213,396
5 years$220,569$210,036$200,041$190,555$181,554$157,212
6 years$181,964$171,510$161,663$152,389$143,658$120,432
7 years$154,399$144,034$134,343$125,287$116,832$94,724
8 years$133,736$123,464$113,933$105,100$96,923$75,924
9 years$117,672$107,498$98,131$89,522$81,624$61,716
10 years$104,829$94,754$85,552$77,169$69,547$50,708
11 years$94,328$84,354$75,319$67,160$59,813$42,015
12 years$85,583$75,711$66,844$58,908$51,833$35,046
13 years$78,190$68,421$59,720$52,007$45,199$29,391
14 years$71,858$62,193$53,659$46,166$39,621$24,757
15 years$66,375$56,814$48,447$41,172$34,886$20,929
16 years$61,582$52,126$43,924$36,865$30,832$17,746
17 years$57,358$48,006$39,969$33,123$27,338$15,085
18 years$53,607$44,360$36,487$29,851$24,308$12,850
19 years$50,255$41,112$33,402$26,973$21,666$10,965
20 years$47,242$38,203$30,655$24,429$19,352$9,371
21 years$44,519$35,585$28,196$22,171$17,318$8,018
22 years$42,047$33,217$25,987$20,158$15,523$6,868
23 years$39,794$31,067$23,995$18,359$13,935$5,889
24 years$37,731$29,108$22,191$16,744$12,525$5,053
25 years$35,836$27,317$20,553$15,292$11,270$4,338
26 years$34,090$25,673$19,062$13,982$10,152$3,727
27 years$32,476$24,161$17,701$12,798$9,153$3,203
28 years$30,980$22,767$16,455$11,726$8,259$2,755
29 years$29,590$21,478$15,313$10,753$7,457$2,369
30 years$28,294$20,284$14,264$9,868$6,738$2,039
31 years$27,085$19,175$13,297$9,063$6,092$1,755
32 years$25,954$18,144$12,407$8,329$5,511$1,511
33 years$24,893$17,182$11,584$7,660$4,987$1,301
34 years$23,897$16,285$10,824$7,047$4,515$1,120
35 years$22,960$15,446$10,119$6,488$4,090$965
36 years$22,076$14,660$9,466$5,975$3,705$831
37 years$21,243$13,924$8,860$5,505$3,358$716
38 years$20,455$13,233$8,297$5,074$3,045$617
39 years$19,710$12,583$7,774$4,679$2,761$531
40 years$19,003$11,972$7,286$4,315$2,504$458
41 years$18,333$11,396$6,832$3,981$2,272$395
42 years$17,697$10,853$6,409$3,674$2,062$340
43 years$17,091$10,341$6,014$3,392$1,871$293
44 years$16,515$9,857$5,645$3,132$1,698$253
45 years$15,966$9,400$5,301$2,892$1,542$218
46 years$15,442$8,967$4,978$2,672$1,400$188
47 years$14,943$8,557$4,677$2,468$1,271$162
48 years$14,465$8,169$4,395$2,281$1,154$139
49 years$14,008$7,801$4,131$2,108$1,048$120
50 years$13,571$7,452$3,884$1,948$952$104

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 $2,576 every year, while hoping to spend $35,571 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: 51/38/11 Blend
49$13,900,000$13,900,000$13,900,000$13,900,000
50$15,320,457$14,583,757$14,368,307$16,057,044
51$16,845,297$15,260,514$14,811,798$17,237,232
52$18,524,477$15,969,240$15,268,954$18,515,538
53$20,373,705$16,711,463$15,740,195$19,904,370
54$22,410,285$17,488,787$16,225,954$21,414,144
55$24,653,288$18,302,892$16,726,677$23,056,296
56$27,123,728$19,155,538$17,242,825$24,843,393
57$29,844,760$20,048,571$17,774,871$26,789,238
58$32,841,901$20,983,927$18,323,306$28,908,998
59$36,143,270$21,963,634$18,888,631$31,219,344
60$39,779,850$22,989,819$19,471,367$33,738,594
61$43,785,786$24,064,711$20,072,049$36,486,889
62$48,198,701$25,190,647$20,691,228$39,486,369
63$53,060,057$26,370,077$21,329,472$42,761,376
64$58,415,542$27,605,569$21,987,368$46,338,679
65$64,315,501$28,899,817$22,665,519$50,247,715
66$70,815,416$30,255,642$23,364,548$54,520,862
67$77,976,424$31,676,004$24,085,096$59,193,733
68$85,865,897$33,164,005$24,827,824$64,305,504
69$94,558,076$34,722,899$25,593,413$69,899,275
70$104,134,773$36,356,095$26,382,567$76,022,465
71$114,686,145$38,067,168$27,196,008$82,727,251
72$126,311,540$39,859,868$28,034,482$90,071,048
73$139,120,438$41,738,123$28,898,758$98,117,040
74$153,233,486$43,706,053$29,789,630$106,934,765
75$168,783,631$45,767,980$30,707,912$116,600,759
76$185,917,382$47,928,431$31,654,447$127,199,262
77$204,796,186$50,192,156$32,630,103$138,823,003
78$225,597,958$52,564,132$33,635,772$151,574,061
79$248,518,757$55,049,582$34,672,378$165,564,809
80$273,774,636$57,653,977$35,740,868$180,918,965
81$301,603,684$60,383,057$36,842,222$197,772,738
82$332,268,273$63,242,840$37,977,449$216,276,099
83$366,057,531$66,239,633$39,147,588$236,594,179
84$403,290,077$69,380,053$40,353,710$258,908,805
85$444,317,025$72,671,036$41,596,920$283,420,203
86$489,525,300$76,119,855$42,878,355$310,348,860
87$539,341,289$79,734,136$44,199,188$339,937,589
88$594,234,867$83,521,876$45,560,628$372,453,792
89$654,723,835$87,491,459$46,963,920$408,191,970
90$721,378,803$91,651,678$48,410,349$447,476,466
91$794,828,582$96,011,751$49,901,236$490,664,512
92$875,766,116$100,581,346$51,437,947$538,149,564
93$964,955,027$105,370,598$53,021,885$590,364,994
94$1,063,236,821$110,390,139$54,654,499$647,788,147
95$1,171,538,834$115,651,113$56,337,282$710,944,817
96$1,290,882,986$121,165,208$58,071,772$780,414,178
97$1,422,395,427$126,944,680$59,859,553$856,834,215
98$1,567,317,173$133,002,382$61,702,260$940,907,713
99$1,727,015,815$139,351,789$63,601,576$1,033,408,849
100$1,902,998,436$146,007,034$65,559,237$1,135,190,464