Can I retire at age 50 with 14,100,000?

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 $14,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,098,065
2 years$576,418$565,683$555,279$545,191$535,407$509,070
3 years$380,462$369,680$359,302$349,309$339,684$314,123
4 years$282,503$271,754$261,480$251,658$242,265$217,677
5 years$223,742$213,058$202,919$193,297$184,166$160,619
6 years$184,582$173,978$163,989$154,581$145,725$123,243
7 years$156,621$146,107$136,275$127,090$118,513$97,100
8 years$135,660$125,240$115,572$106,613$98,318$77,965
9 years$119,365$109,044$99,543$90,810$82,798$63,489
10 years$106,337$96,117$86,783$78,279$70,548$52,262
11 years$95,685$85,567$76,403$68,126$60,674$43,386
12 years$86,815$76,801$67,805$59,756$52,579$36,260
13 years$79,315$69,405$60,580$52,756$45,849$30,470
14 years$72,892$63,088$54,431$46,831$40,191$25,719
15 years$67,330$57,632$49,144$41,765$35,388$21,788
16 years$62,468$52,876$44,556$37,396$31,276$18,514
17 years$58,183$48,697$40,544$33,600$27,731$15,772
18 years$54,378$44,998$37,012$30,280$24,657$13,464
19 years$50,978$41,704$33,883$27,361$21,978$11,515
20 years$47,921$38,753$31,096$24,780$19,631$9,863
21 years$45,160$36,097$28,602$22,490$17,567$8,459
22 years$42,652$33,695$26,361$20,448$15,747$7,263
23 years$40,366$31,514$24,340$18,623$14,135$6,242
24 years$38,274$29,527$22,510$16,985$12,705$5,368
25 years$36,352$27,710$20,849$15,512$11,433$4,620
26 years$34,581$26,043$19,336$14,183$10,298$3,979
27 years$32,943$24,509$17,956$12,982$9,285$3,428
28 years$31,426$23,095$16,692$11,894$8,378$2,955
29 years$30,015$21,787$15,533$10,907$7,565$2,548
30 years$28,702$20,576$14,469$10,010$6,835$2,198
31 years$27,475$19,451$13,489$9,194$6,180$1,896
32 years$26,327$18,405$12,585$8,449$5,590$1,637
33 years$25,251$17,429$11,751$7,770$5,059$1,413
34 years$24,241$16,519$10,979$7,149$4,580$1,220
35 years$23,290$15,668$10,265$6,581$4,149$1,053
36 years$22,394$14,871$9,603$6,061$3,759$910
37 years$21,549$14,124$8,988$5,584$3,407$786
38 years$20,750$13,423$8,417$5,147$3,089$679
39 years$19,993$12,764$7,886$4,746$2,801$586
40 years$19,277$12,144$7,391$4,377$2,540$506
41 years$18,597$11,560$6,931$4,039$2,305$437
42 years$17,951$11,009$6,501$3,727$2,091$378
43 years$17,337$10,490$6,100$3,441$1,898$327
44 years$16,753$9,999$5,726$3,177$1,723$282
45 years$16,196$9,535$5,377$2,934$1,564$244
46 years$15,665$9,096$5,050$2,710$1,420$211
47 years$15,158$8,680$4,744$2,504$1,289$182
48 years$14,673$8,286$4,458$2,314$1,171$157
49 years$14,210$7,913$4,191$2,138$1,064$136
50 years$13,767$7,559$3,940$1,976$966$118

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $14,100,000, adding $6,189 every year, while hoping to spend $42,283 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: 72/11/17 Blend
49$14,100,000$14,100,000$14,100,000$14,100,000
50$15,544,584$14,797,284$14,578,734$16,602,024
51$17,085,143$15,477,362$15,022,133$17,985,085
52$18,781,421$16,189,347$15,478,968$19,493,519
53$20,649,259$16,934,757$15,949,646$21,144,368
54$22,706,107$17,715,185$16,434,584$22,951,737
55$24,971,200$18,532,298$16,934,211$24,931,152
56$27,465,727$19,387,845$17,448,972$27,099,707
57$30,213,041$20,283,660$17,979,323$29,476,224
58$33,238,874$21,221,662$18,525,733$32,081,423
59$36,571,581$22,203,866$19,088,687$34,938,120
60$40,242,408$23,232,381$19,668,684$38,071,437
61$44,285,787$24,309,420$20,266,238$41,509,041
62$48,739,657$25,437,302$20,881,877$45,281,394
63$53,645,829$26,618,456$21,516,146$49,422,047
64$59,050,374$27,855,431$22,169,608$53,967,947
65$65,004,062$29,150,897$22,842,840$58,959,788
66$71,562,838$30,507,653$23,536,437$64,442,386
67$78,788,353$31,928,634$24,251,013$70,465,104
68$86,748,543$33,416,915$24,987,200$77,082,311
69$95,518,271$34,975,721$25,745,648$84,353,893
70$105,180,035$36,608,431$26,527,027$92,345,815
71$115,824,745$38,318,590$27,332,028$101,130,739
72$127,552,579$40,109,911$28,161,362$110,788,705
73$140,473,934$41,986,289$29,015,760$121,407,884
74$154,710,464$43,951,806$29,895,976$133,085,404
75$170,396,228$46,010,741$30,802,788$145,928,263
76$187,678,957$48,167,581$31,736,995$160,054,337
77$206,721,447$50,427,028$32,699,420$175,593,481
78$227,703,096$52,794,015$33,690,913$192,688,757
79$250,821,600$55,273,710$34,712,347$211,497,772
80$276,294,815$57,871,533$35,764,621$232,194,167
81$304,362,813$60,593,165$36,848,663$254,969,244
82$335,290,154$63,444,564$37,965,428$280,033,770
83$369,368,378$66,431,976$39,115,897$307,619,958
84$406,918,757$69,561,947$40,301,084$337,983,653
85$448,295,331$72,841,343$41,522,031$371,406,739
86$493,888,247$76,277,362$42,779,812$408,199,794
87$544,127,445$79,877,549$44,075,533$448,705,016
88$599,486,714$83,649,818$45,410,332$493,299,439
89$660,488,162$87,602,463$46,785,382$542,398,491
90$727,707,154$91,744,183$48,201,892$596,459,903
91$801,777,732$96,084,097$49,661,104$655,988,024
92$883,398,610$100,631,766$51,164,300$721,538,566
93$973,339,763$105,397,217$52,712,798$793,723,851
94$1,072,449,700$110,390,962$54,307,958$873,218,570
95$1,181,663,473$115,624,023$55,951,178$960,766,149
96$1,302,011,504$121,107,957$57,643,899$1,057,185,753
97$1,434,629,312$126,854,881$59,387,605$1,163,380,008
98$1,580,768,235$132,877,503$61,183,822$1,280,343,511
99$1,741,807,239$139,189,146$63,034,125$1,409,172,203
100$1,919,265,943$145,803,779$64,940,134$1,551,073,706