Can I retire at age 50 with 14,300,000?

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 $14,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$1,180,881$1,170,362$1,160,100$1,150,083$1,140,302$1,130,276
2 years$584,594$573,707$563,155$552,924$543,001$532,898
3 years$385,858$374,924$364,399$354,264$344,502$334,635
4 years$286,510$275,609$265,189$255,227$245,702$236,146
5 years$226,916$216,081$205,797$196,039$186,779$177,563
6 years$187,200$176,446$166,315$156,774$147,792$138,928
7 years$158,843$148,179$138,208$128,893$120,194$111,686
8 years$137,584$127,017$117,212$108,125$99,713$91,560
9 years$121,058$110,591$100,954$92,098$83,972$76,173
10 years$107,846$97,481$88,014$79,390$71,549$64,097
11 years$97,042$86,781$77,486$69,093$61,534$54,425
12 years$88,046$77,890$68,767$60,604$53,324$46,551
13 years$80,440$70,390$61,439$53,504$46,500$40,055
14 years$73,925$63,982$55,203$47,495$40,761$34,636
15 years$68,285$58,449$49,841$42,357$35,890$30,076
16 years$63,354$53,626$45,188$37,926$31,719$26,207
17 years$59,008$49,388$41,120$34,076$28,125$22,905
18 years$55,150$45,636$37,537$30,710$25,007$20,069
19 years$51,701$42,295$34,363$27,749$22,289$17,624
20 years$48,601$39,303$31,537$25,132$19,909$15,506
21 years$45,800$36,609$29,008$22,809$17,817$13,665
22 years$43,257$34,173$26,735$20,738$15,970$12,060
23 years$40,939$31,961$24,685$18,887$14,336$10,657
24 years$38,817$29,946$22,830$17,226$12,885$9,427
25 years$36,868$28,103$21,145$15,732$11,595$8,348
26 years$35,071$26,412$19,611$14,384$10,444$7,398
27 years$33,411$24,857$18,210$13,166$9,416$6,561
28 years$31,872$23,422$16,929$12,063$8,496$5,823
29 years$30,441$22,096$15,754$11,062$7,672$5,170
30 years$29,109$20,868$14,674$10,152$6,932$4,594
31 years$27,864$19,727$13,680$9,324$6,267$4,083
32 years$26,700$18,666$12,764$8,569$5,669$3,631
33 years$25,609$17,677$11,918$7,880$5,131$3,229
34 years$24,584$16,753$11,135$7,250$4,645$2,873
35 years$23,620$15,890$10,411$6,674$4,207$2,558
36 years$22,712$15,082$9,739$6,147$3,812$2,277
37 years$21,854$14,325$9,115$5,663$3,455$2,027
38 years$21,044$13,614$8,536$5,220$3,132$1,806
39 years$20,277$12,945$7,997$4,813$2,840$1,609
40 years$19,550$12,316$7,496$4,440$2,576$1,433
41 years$18,861$11,724$7,029$4,096$2,337$1,277
42 years$18,206$11,165$6,593$3,780$2,121$1,138
43 years$17,583$10,638$6,187$3,490$1,925$1,014
44 years$16,990$10,141$5,808$3,222$1,747$904
45 years$16,426$9,670$5,453$2,976$1,586$806
46 years$15,887$9,225$5,122$2,749$1,440$718
47 years$15,373$8,803$4,812$2,539$1,308$641
48 years$14,881$8,404$4,522$2,346$1,188$571
49 years$14,411$8,025$4,250$2,169$1,079$509
50 years$13,962$7,666$3,996$2,004$980$454

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $14,300,000, adding $4,492 every year, while hoping to spend $35,999 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: 42/44/14 Blend
49$14,300,000$14,300,000$14,300,000$14,300,000
50$15,763,233$15,005,333$14,783,683$16,360,448
51$17,332,781$15,702,292$15,240,634$17,477,668
52$19,061,215$16,432,195$15,711,686$18,682,790
53$20,964,705$17,196,619$16,197,274$19,986,975
54$23,061,068$17,997,216$16,697,845$21,399,295
55$25,369,935$18,835,718$17,213,861$22,929,704
56$27,912,941$19,713,941$17,745,798$24,589,122
57$30,713,924$20,633,787$18,294,146$26,389,531
58$33,799,155$21,597,253$18,859,410$28,344,085
59$37,197,580$22,606,430$19,442,112$30,467,222
60$40,941,098$23,663,509$20,042,787$32,774,796
61$45,064,860$24,770,791$20,661,990$35,284,218
62$49,607,600$25,930,685$21,300,292$38,014,610
63$54,612,003$27,145,716$21,958,279$40,986,979
64$60,125,104$28,418,533$22,636,558$44,224,405
65$66,198,736$29,751,912$23,335,754$47,752,251
66$72,890,016$31,148,765$24,056,511$51,598,389
67$80,261,885$32,612,142$24,799,492$55,793,456
68$88,383,703$34,145,243$25,565,380$60,371,130
69$97,331,902$35,751,421$26,354,882$65,368,436
70$107,190,709$37,434,194$27,168,724$70,826,088
71$118,052,940$39,197,247$28,007,654$76,788,852
72$130,020,874$41,044,447$28,872,445$83,305,966
73$143,207,224$42,979,845$29,763,893$90,431,582
74$157,736,194$45,007,691$30,682,816$98,225,267
75$173,744,657$47,132,439$31,630,062$106,752,550
76$191,383,444$49,358,760$32,606,500$116,085,523
77$210,818,766$51,691,551$33,613,030$126,303,506
78$232,233,790$54,135,946$34,650,575$137,493,780
79$255,830,358$56,697,329$35,720,091$149,752,389
80$281,830,901$59,381,345$36,822,561$163,185,029
81$310,480,534$62,193,911$37,958,997$177,908,029
82$342,049,369$65,141,234$39,130,445$194,049,424
83$376,835,071$68,229,821$40,337,981$211,750,142
84$415,165,659$71,466,492$41,582,714$231,165,315
85$457,402,609$74,858,404$42,865,788$252,465,715
86$503,944,265$78,413,055$44,188,381$275,839,346
87$555,229,597$82,138,312$45,551,710$301,493,186
88$611,742,349$86,042,422$46,957,024$329,655,118
89$674,015,600$90,134,032$48,405,616$360,576,052
90$742,636,802$94,422,211$49,898,815$394,532,263
91$818,253,322$98,916,465$51,437,992$431,827,964
92$901,578,555$103,626,767$53,024,559$472,798,151
93$993,398,660$108,563,570$54,659,973$517,811,724
94$1,094,579,976$113,737,838$56,345,736$567,274,939
95$1,206,077,208$119,161,067$58,083,392$621,635,201
96$1,328,942,435$124,845,311$59,874,538$681,385,250
97$1,464,335,044$130,803,212$61,720,816$747,067,768
98$1,613,532,674$137,048,025$63,623,919$819,280,463
99$1,777,943,280$143,593,651$65,585,592$898,681,659
100$1,959,118,421$150,454,666$67,607,636$985,996,470