Can I retire at age 50 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,351,887
2 years$715,413$702,089$689,176$676,656$664,512$620,986
3 years$472,204$458,823$445,942$433,540$421,594$379,495
4 years$350,624$337,283$324,532$312,341$300,684$260,336
5 years$277,695$264,434$251,850$239,908$228,575$190,085
6 years$229,091$215,930$203,532$191,856$180,864$144,266
7 years$194,388$181,338$169,136$157,736$147,091$112,381
8 years$168,372$155,440$143,441$132,321$122,026$89,182
9 years$148,149$135,339$123,546$112,708$102,763$71,750
10 years$131,979$119,294$107,710$97,155$87,560$58,329
11 years$118,758$106,201$94,826$84,554$75,304$47,805
12 years$107,749$95,320$84,156$74,165$65,257$39,432
13 years$98,440$86,142$75,188$65,477$56,905$32,692
14 years$90,468$78,300$67,556$58,123$49,883$27,216
15 years$83,566$71,529$60,994$51,836$43,921$22,734
16 years$77,532$65,626$55,300$46,413$38,817$19,044
17 years$72,213$60,439$50,321$41,702$34,418$15,988
18 years$67,491$55,849$45,937$37,582$30,603$13,449
19 years$63,271$51,760$42,053$33,958$27,277$11,331
20 years$59,477$48,098$38,594$30,756$24,364$9,559
21 years$56,049$44,801$35,499$27,913$21,803$8,073
22 years$52,937$41,820$32,718$25,379$19,544$6,824
23 years$50,100$39,114$30,209$23,113$17,544$5,773
24 years$47,503$36,647$27,938$21,081$15,769$4,887
25 years$45,118$34,391$25,877$19,252$14,189$4,140
26 years$42,919$32,322$23,999$17,603$12,781$3,508
27 years$40,887$30,419$22,285$16,113$11,523$2,974
28 years$39,004$28,664$20,717$14,763$10,398$2,522
29 years$37,253$27,041$19,279$13,538$9,389$2,139
30 years$35,622$25,537$17,958$12,424$8,483$1,815
31 years$34,100$24,141$16,741$11,411$7,670$1,540
32 years$32,675$22,843$15,620$10,487$6,938$1,307
33 years$31,340$21,632$14,585$9,643$6,279$1,110
34 years$30,086$20,502$13,627$8,873$5,685$942
35 years$28,906$19,446$12,740$8,168$5,149$800
36 years$27,794$18,457$11,918$7,522$4,665$680
37 years$26,745$17,530$11,155$6,931$4,228$577
38 years$25,753$16,660$10,446$6,388$3,833$490
39 years$24,815$15,842$9,787$5,890$3,476$416
40 years$23,925$15,072$9,173$5,433$3,153$354
41 years$23,082$14,347$8,602$5,013$2,860$300
42 years$22,280$13,664$8,069$4,626$2,596$255
43 years$21,518$13,019$7,571$4,270$2,356$217
44 years$20,792$12,410$7,107$3,943$2,138$184
45 years$20,101$11,834$6,673$3,641$1,941$156
46 years$19,442$11,289$6,268$3,364$1,762$133
47 years$18,813$10,773$5,888$3,108$1,600$113
48 years$18,211$10,285$5,534$2,872$1,453$96
49 years$17,636$9,821$5,201$2,654$1,320$81
50 years$17,086$9,382$4,890$2,453$1,199$69

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $17,500,000, adding $2,243 every year, while hoping to spend $56,812 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: 73/12/15 Blend
49$17,500,000$17,500,000$17,500,000$17,500,000
50$19,287,314$18,359,814$18,088,564$20,630,988
51$21,194,172$19,198,997$18,634,083$22,360,542
52$23,293,626$20,077,396$19,195,973$24,247,311
53$25,605,260$20,996,873$19,774,723$26,312,561
54$28,150,655$21,959,378$20,370,834$28,573,974
55$30,953,591$22,966,956$20,984,826$31,051,020
56$34,040,270$24,021,750$21,617,230$33,765,130
57$37,439,567$25,126,005$22,268,597$36,739,900
58$41,183,299$26,282,076$22,939,491$40,001,310
59$45,306,525$27,492,427$23,630,494$43,577,965
60$49,847,881$28,759,646$24,342,206$47,501,362
61$54,849,937$30,086,442$25,075,242$51,806,188
62$60,359,607$31,475,654$25,830,239$56,530,636
63$66,428,585$32,930,259$26,607,850$61,716,769
64$73,113,836$34,453,377$27,408,749$67,410,912
65$80,478,133$36,048,278$28,233,627$73,664,080
66$88,590,649$37,718,390$29,083,200$80,532,465
67$97,527,610$39,467,306$29,958,202$88,077,951
68$107,373,013$41,298,790$30,859,389$96,368,705
69$118,219,421$43,216,792$31,787,539$105,479,807
70$130,168,836$45,225,448$32,743,455$115,493,957
71$143,333,658$47,329,096$33,727,961$126,502,253
72$157,837,751$49,532,282$34,741,908$138,605,042
73$173,817,610$51,839,772$35,786,170$151,912,865
74$191,423,647$54,256,562$36,861,648$166,547,490
75$210,821,614$56,787,888$37,969,269$182,643,063
76$232,194,165$59,439,242$39,109,986$200,347,360
77$255,742,583$62,216,377$40,284,783$219,823,182
78$281,688,674$65,125,327$41,494,671$241,249,880
79$310,276,868$68,172,417$42,740,691$264,825,045
80$341,776,519$71,364,277$44,023,916$290,766,366
81$376,484,455$74,707,857$45,345,447$319,313,671
82$414,727,772$78,210,444$46,706,422$350,731,193
83$456,866,927$81,879,679$48,108,010$385,310,047
84$503,299,139$85,723,569$49,551,414$423,370,976
85$554,462,138$89,750,510$51,037,873$465,267,364
86$610,838,297$93,969,307$52,568,663$511,388,569
87$672,959,187$98,389,186$54,145,097$562,163,582
88$741,410,592$103,019,824$55,768,525$618,065,072
89$816,838,042$107,871,365$57,440,340$679,613,835
90$899,952,904$112,954,443$59,161,973$747,383,700
91$991,539,099$118,280,210$60,934,899$822,006,931
92$1,092,460,503$123,860,356$62,760,634$904,180,188
93$1,203,669,099$129,707,138$64,640,740$994,671,092
94$1,326,213,967$135,833,408$66,576,824$1,094,325,451
95$1,461,251,186$142,252,640$68,570,543$1,204,075,238
96$1,610,054,749$148,978,961$70,623,597$1,324,947,372
97$1,774,028,587$156,027,183$72,737,741$1,458,073,398
98$1,954,719,826$163,412,839$74,914,779$1,604,700,151
99$2,153,833,392$171,152,212$77,156,568$1,766,201,514
100$2,373,248,105$179,262,376$79,465,020$1,944,091,369