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%17.2%
1 years$1,164,365$1,153,993$1,143,874$1,133,998$1,124,354$1,091,424
2 years$576,418$565,683$555,279$545,191$535,407$502,497
3 years$380,462$369,680$359,302$349,309$339,684$307,826
4 years$282,503$271,754$261,480$251,658$242,265$211,704
5 years$223,742$213,058$202,919$193,297$184,166$154,984
6 years$184,582$173,978$163,989$154,581$145,725$117,948
7 years$156,621$146,107$136,275$127,090$118,513$92,142
8 years$135,660$125,240$115,572$106,613$98,318$73,337
9 years$119,365$109,044$99,543$90,810$82,798$59,181
10 years$106,337$96,117$86,783$78,279$70,548$48,263
11 years$95,685$85,567$76,403$68,126$60,674$39,683
12 years$86,815$76,801$67,805$59,756$52,579$32,840
13 years$79,315$69,405$60,580$52,756$45,849$27,319
14 years$72,892$63,088$54,431$46,831$40,191$22,823
15 years$67,330$57,632$49,144$41,765$35,388$19,132
16 years$62,468$52,876$44,556$37,396$31,276$16,083
17 years$58,183$48,697$40,544$33,600$27,731$13,553
18 years$54,378$44,998$37,012$30,280$24,657$11,443
19 years$50,978$41,704$33,883$27,361$21,978$9,677
20 years$47,921$38,753$31,096$24,780$19,631$8,195
21 years$45,160$36,097$28,602$22,490$17,567$6,947
22 years$42,652$33,695$26,361$20,448$15,747$5,896
23 years$40,366$31,514$24,340$18,623$14,135$5,007
24 years$38,274$29,527$22,510$16,985$12,705$4,256
25 years$36,352$27,710$20,849$15,512$11,433$3,619
26 years$34,581$26,043$19,336$14,183$10,298$3,079
27 years$32,943$24,509$17,956$12,982$9,285$2,621
28 years$31,426$23,095$16,692$11,894$8,378$2,232
29 years$30,015$21,787$15,533$10,907$7,565$1,901
30 years$28,702$20,576$14,469$10,010$6,835$1,620
31 years$27,475$19,451$13,489$9,194$6,180$1,380
32 years$26,327$18,405$12,585$8,449$5,590$1,176
33 years$25,251$17,429$11,751$7,770$5,059$1,003
34 years$24,241$16,519$10,979$7,149$4,580$855
35 years$23,290$15,668$10,265$6,581$4,149$729
36 years$22,394$14,871$9,603$6,061$3,759$622
37 years$21,549$14,124$8,988$5,584$3,407$530
38 years$20,750$13,423$8,417$5,147$3,089$452
39 years$19,993$12,764$7,886$4,746$2,801$386
40 years$19,277$12,144$7,391$4,377$2,540$329
41 years$18,597$11,560$6,931$4,039$2,305$281
42 years$17,951$11,009$6,501$3,727$2,091$239
43 years$17,337$10,490$6,100$3,441$1,898$204
44 years$16,753$9,999$5,726$3,177$1,723$174
45 years$16,196$9,535$5,377$2,934$1,564$149
46 years$15,665$9,096$5,050$2,710$1,420$127
47 years$15,158$8,680$4,744$2,504$1,289$108
48 years$14,673$8,286$4,458$2,314$1,171$92
49 years$14,210$7,913$4,191$2,138$1,064$79
50 years$13,767$7,559$3,940$1,976$966$67

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 $2,377 every year, while hoping to spend $53,960 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: 71/22/7 Blend
49$14,100,000$14,100,000$14,100,000$14,100,000
50$15,540,652$14,793,352$14,574,802$16,627,531
51$17,068,385$15,460,813$15,005,645$18,013,187
52$18,750,139$16,159,171$15,449,112$19,522,430
53$20,601,566$16,889,884$15,905,571$21,172,839
54$22,639,915$17,654,477$16,375,396$22,978,291
55$24,884,190$18,454,550$16,858,976$24,954,052
56$27,355,334$19,291,780$17,356,708$27,116,924
57$30,076,423$20,167,921$17,869,002$29,485,396
58$33,072,884$21,084,816$18,396,280$32,079,821
59$36,372,737$22,044,391$18,938,975$34,922,596
60$40,006,858$23,048,668$19,497,532$38,038,379
61$44,009,268$24,099,763$20,072,410$41,454,311
62$48,417,458$25,199,896$20,664,080$45,200,271
63$53,272,740$26,351,392$21,273,027$49,309,154
64$58,620,636$27,556,687$21,899,750$53,817,178
65$64,511,311$28,818,334$22,544,762$58,764,218
66$71,000,043$30,139,011$23,208,590$64,194,181
67$78,147,746$31,521,521$23,891,777$70,155,414
68$86,021,544$32,968,804$24,594,879$76,701,155
69$94,695,406$34,483,939$25,318,472$83,890,031
70$104,250,841$36,070,156$26,063,144$91,786,605
71$114,777,670$37,730,837$26,829,503$100,461,980
72$126,374,872$39,469,528$27,618,171$109,994,462
73$139,151,521$41,289,947$28,429,792$120,470,297
74$153,227,810$43,195,988$29,265,024$131,984,474
75$168,736,189$45,191,734$30,124,545$144,641,617
76$185,822,617$47,281,465$31,009,053$158,556,963
77$204,647,933$49,469,666$31,919,265$173,857,445
78$225,389,380$51,761,038$32,855,919$190,682,880
79$248,242,277$54,160,509$33,819,773$209,187,281
80$273,421,860$56,673,245$34,811,606$229,540,302
81$301,165,314$59,304,659$35,832,219$251,928,830
82$331,734,016$62,060,426$36,882,438$276,558,739
83$365,415,994$64,946,496$37,963,108$303,656,826
84$402,528,656$67,969,104$39,075,103$333,472,937
85$443,421,776$71,134,788$40,219,316$366,282,317
86$488,480,803$74,450,398$41,396,669$402,388,197
87$538,130,496$77,923,119$42,608,109$442,124,644
88$592,838,935$81,560,480$43,854,608$485,859,701
89$653,121,936$85,370,373$45,137,168$533,998,849
90$719,547,927$89,361,075$46,456,816$586,988,819
91$792,743,307$93,541,259$47,814,611$645,321,800
92$873,398,363$97,920,019$49,211,638$709,540,061
93$962,273,784$102,506,888$50,649,016$780,241,065
94$1,060,207,845$107,311,861$52,127,893$858,083,083
95$1,168,124,317$112,345,414$53,649,450$943,791,397
96$1,287,041,191$117,618,533$55,214,900$1,038,165,125
97$1,418,080,284$123,142,732$56,825,491$1,142,084,750
98$1,562,477,832$128,930,086$58,482,504$1,256,520,406
99$1,721,596,162$134,993,250$60,187,258$1,382,541,022
100$1,896,936,547$141,345,496$61,941,108$1,521,324,385