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%13.5%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,375,189
2 years$715,413$702,089$689,176$676,656$664,512$644,116
3 years$472,204$458,823$445,942$433,540$421,594$401,723
4 years$350,624$337,283$324,532$312,341$300,684$281,492
5 years$277,695$264,434$251,850$239,908$228,575$210,117
6 years$229,091$215,930$203,532$191,856$180,864$163,160
7 years$194,388$181,338$169,136$157,736$147,091$130,149
8 years$168,372$155,440$143,441$132,321$122,026$105,843
9 years$148,149$135,339$123,546$112,708$102,763$87,332
10 years$131,979$119,294$107,710$97,155$87,560$72,867
11 years$118,758$106,201$94,826$84,554$75,304$61,337
12 years$107,749$95,320$84,156$74,165$65,257$51,998
13 years$98,440$86,142$75,188$65,477$56,905$44,336
14 years$90,468$78,300$67,556$58,123$49,883$37,984
15 years$83,566$71,529$60,994$51,836$43,921$32,671
16 years$77,532$65,626$55,300$46,413$38,817$28,195
17 years$72,213$60,439$50,321$41,702$34,418$24,400
18 years$67,491$55,849$45,937$37,582$30,603$21,167
19 years$63,271$51,760$42,053$33,958$27,277$18,400
20 years$59,477$48,098$38,594$30,756$24,364$16,023
21 years$56,049$44,801$35,499$27,913$21,803$13,973
22 years$52,937$41,820$32,718$25,379$19,544$12,202
23 years$50,100$39,114$30,209$23,113$17,544$10,667
24 years$47,503$36,647$27,938$21,081$15,769$9,335
25 years$45,118$34,391$25,877$19,252$14,189$8,176
26 years$42,919$32,322$23,999$17,603$12,781$7,166
27 years$40,887$30,419$22,285$16,113$11,523$6,284
28 years$39,004$28,664$20,717$14,763$10,398$5,515
29 years$37,253$27,041$19,279$13,538$9,389$4,842
30 years$35,622$25,537$17,958$12,424$8,483$4,253
31 years$34,100$24,141$16,741$11,411$7,670$3,737
32 years$32,675$22,843$15,620$10,487$6,938$3,284
33 years$31,340$21,632$14,585$9,643$6,279$2,888
34 years$30,086$20,502$13,627$8,873$5,685$2,539
35 years$28,906$19,446$12,740$8,168$5,149$2,234
36 years$27,794$18,457$11,918$7,522$4,665$1,965
37 years$26,745$17,530$11,155$6,931$4,228$1,729
38 years$25,753$16,660$10,446$6,388$3,833$1,522
39 years$24,815$15,842$9,787$5,890$3,476$1,340
40 years$23,925$15,072$9,173$5,433$3,153$1,179
41 years$23,082$14,347$8,602$5,013$2,860$1,038
42 years$22,280$13,664$8,069$4,626$2,596$914
43 years$21,518$13,019$7,571$4,270$2,356$805
44 years$20,792$12,410$7,107$3,943$2,138$709
45 years$20,101$11,834$6,673$3,641$1,941$624
46 years$19,442$11,289$6,268$3,364$1,762$550
47 years$18,813$10,773$5,888$3,108$1,600$484
48 years$18,211$10,285$5,534$2,872$1,453$426
49 years$17,636$9,821$5,201$2,654$1,320$376
50 years$17,086$9,382$4,890$2,453$1,199$331

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 $4,179 every year, while hoping to spend $22,231 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: 73/10/17 Blend
49$17,500,000$17,500,000$17,500,000$17,500,000
50$19,289,311$18,361,811$18,090,561$20,621,687
51$21,233,167$19,237,886$18,672,941$22,382,042
52$23,374,551$20,156,143$19,274,086$24,306,706
53$25,733,588$21,118,627$19,894,600$26,414,509
54$28,332,454$22,127,480$20,535,109$28,723,623
55$31,195,586$23,184,949$21,196,258$31,254,057
56$34,349,915$24,293,390$21,878,711$34,027,839
57$37,825,115$25,455,275$22,583,157$37,069,221
58$41,653,888$26,673,194$23,310,303$40,404,908
59$45,872,270$27,949,866$24,060,884$44,064,303
60$50,519,972$29,288,140$24,835,654$48,079,782
61$55,640,755$30,691,005$25,635,394$52,487,002
62$61,282,841$32,161,593$26,460,909$57,325,225
63$67,499,372$33,703,193$27,313,031$62,637,692
64$74,348,909$35,319,250$28,192,618$68,472,026
65$81,895,983$37,013,379$29,100,557$74,880,674
66$90,211,708$38,789,369$30,037,760$81,921,404
67$99,374,451$40,651,197$31,005,174$89,657,840
68$109,470,570$42,603,031$32,003,772$98,160,064
69$120,595,231$44,649,242$33,034,561$107,505,268
70$132,853,305$46,794,415$34,098,579$117,778,481
71$146,360,359$49,043,359$35,196,899$129,073,363
72$161,243,748$51,401,115$36,330,627$141,493,091
73$177,643,813$53,872,972$37,500,906$155,151,319
74$195,715,210$56,464,477$38,708,915$170,173,250
75$215,628,370$59,181,444$39,955,871$186,696,814
76$237,571,103$62,029,974$41,243,033$204,873,957
77$261,750,378$65,016,465$42,571,696$224,872,076
78$288,394,269$68,147,625$43,943,201$246,875,588
79$317,754,116$71,430,490$45,358,930$271,087,666
80$350,106,892$74,872,440$46,820,310$297,732,149
81$385,757,819$78,481,214$48,328,815$327,055,647
82$425,043,252$82,264,928$49,885,965$359,329,862
83$468,333,850$86,232,096$51,493,331$394,854,145
84$516,038,079$90,391,645$53,152,534$433,958,310
85$568,606,066$94,752,939$54,865,247$477,005,744
86$626,533,849$99,325,797$56,633,197$524,396,823
87$690,368,060$104,120,519$58,458,167$576,572,684
88$760,711,084$109,147,907$60,341,998$634,019,380
89$838,226,750$114,419,289$62,286,590$697,272,455
90$923,646,592$119,946,548$64,293,905$766,921,992
91$1,017,776,761$125,742,145$66,365,967$843,618,169
92$1,121,505,631$131,819,151$68,504,867$928,077,386
93$1,235,812,188$138,191,272$70,712,762$1,021,089,017
94$1,361,775,273$144,872,886$72,991,882$1,123,522,845
95$1,500,583,765$151,879,072$75,344,524$1,236,337,261
96$1,653,547,807$159,225,644$77,773,064$1,360,588,300
97$1,822,111,173$166,929,190$80,279,951$1,497,439,591
98$2,007,864,899$175,007,107$82,867,716$1,648,173,328
99$2,212,562,304$183,477,641$85,538,970$1,814,202,360
100$2,438,135,543$192,359,929$88,296,409$1,997,083,509