Can I retire at age 50 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$148,642$147,318$146,027$144,766$143,535$138,497
2 years$73,585$72,215$70,887$69,599$68,350$63,327
3 years$48,570$47,193$45,868$44,593$43,364$38,514
4 years$36,064$34,692$33,380$32,127$30,928$26,288
5 years$28,563$27,199$25,905$24,676$23,511$19,094
6 years$23,564$22,210$20,935$19,734$18,603$14,412
7 years$19,994$18,652$17,397$16,224$15,129$11,163
8 years$17,318$15,988$14,754$13,610$12,551$8,806
9 years$15,238$13,921$12,708$11,593$10,570$7,042
10 years$13,575$12,270$11,079$9,993$9,006$5,689
11 years$12,215$10,924$9,754$8,697$7,746$4,632
12 years$11,083$9,804$8,656$7,628$6,712$3,795
13 years$10,125$8,860$7,734$6,735$5,853$3,125
14 years$9,305$8,054$6,949$5,978$5,131$2,584
15 years$8,595$7,357$6,274$5,332$4,518$2,143
16 years$7,975$6,750$5,688$4,774$3,993$1,782
17 years$7,428$6,217$5,176$4,289$3,540$1,485
18 years$6,942$5,744$4,725$3,866$3,148$1,240
19 years$6,508$5,324$4,325$3,493$2,806$1,037
20 years$6,118$4,947$3,970$3,163$2,506$868
21 years$5,765$4,608$3,651$2,871$2,243$728
22 years$5,445$4,302$3,365$2,610$2,010$610
23 years$5,153$4,023$3,107$2,377$1,804$512
24 years$4,886$3,769$2,874$2,168$1,622$430
25 years$4,641$3,537$2,662$1,980$1,459$361
26 years$4,415$3,325$2,468$1,811$1,315$304
27 years$4,206$3,129$2,292$1,657$1,185$255
28 years$4,012$2,948$2,131$1,518$1,069$215
29 years$3,832$2,781$1,983$1,392$966$181
30 years$3,664$2,627$1,847$1,278$873$152
31 years$3,507$2,483$1,722$1,174$789$128
32 years$3,361$2,350$1,607$1,079$714$108
33 years$3,224$2,225$1,500$992$646$91
34 years$3,095$2,109$1,402$913$585$76
35 years$2,973$2,000$1,310$840$530$64
36 years$2,859$1,898$1,226$774$480$54
37 years$2,751$1,803$1,147$713$435$46
38 years$2,649$1,714$1,074$657$394$38
39 years$2,552$1,629$1,007$606$358$32
40 years$2,461$1,550$944$559$324$27
41 years$2,374$1,476$885$516$294$23
42 years$2,292$1,405$830$476$267$19
43 years$2,213$1,339$779$439$242$16
44 years$2,139$1,276$731$406$220$14
45 years$2,068$1,217$686$375$200$12
46 years$2,000$1,161$645$346$181$10
47 years$1,935$1,108$606$320$165$8
48 years$1,873$1,058$569$295$149$7
49 years$1,814$1,010$535$273$136$6
50 years$1,757$965$503$252$123$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,800,000, adding $4,044 every year, while hoping to spend $49,113 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: 70/22/8 Blend
49$1,800,000$1,800,000$1,800,000$1,800,000
50$1,987,771$1,892,371$1,864,471$2,123,889
51$2,138,268$1,932,842$1,874,675$2,254,954
52$2,302,470$1,973,649$1,883,575$2,391,912
53$2,481,722$2,014,758$1,891,075$2,540,438
54$2,677,506$2,056,130$1,897,075$2,701,659
55$2,891,454$2,097,723$1,901,469$2,876,814
56$3,125,361$2,139,490$1,904,147$3,067,268
57$3,381,204$2,181,381$1,904,992$3,274,526
58$3,661,161$2,223,343$1,903,884$3,500,246
59$3,967,628$2,265,315$1,900,692$3,746,250
60$4,303,246$2,307,235$1,895,285$4,014,552
61$4,670,920$2,349,032$1,887,520$4,307,364
62$5,073,852$2,390,633$1,877,250$4,627,128
63$5,515,568$2,431,958$1,864,321$4,976,532
64$5,999,951$2,472,919$1,848,571$5,358,538
65$6,531,277$2,513,423$1,829,829$5,776,411
66$7,114,258$2,553,371$1,807,919$6,233,745
67$7,754,081$2,592,656$1,782,654$6,734,505
68$8,456,463$2,631,161$1,753,838$7,283,056
69$9,227,699$2,668,765$1,721,269$7,884,209
70$10,074,725$2,705,335$1,684,731$8,543,267
71$11,005,180$2,740,729$1,644,003$9,266,073
72$12,027,480$2,774,797$1,598,849$10,059,064
73$13,150,898$2,807,377$1,549,025$10,929,336
74$14,385,648$2,838,296$1,494,276$11,884,707
75$15,742,983$2,867,372$1,434,333$12,933,794
76$17,235,301$2,894,407$1,368,917$14,086,093
77$18,876,262$2,919,193$1,297,736$15,352,068
78$20,680,913$2,941,506$1,220,483$16,743,252
79$22,665,837$2,961,110$1,136,839$18,272,353
80$24,849,300$2,977,752$1,046,471$19,953,378
81$27,251,429$2,991,163$949,029$21,801,763
82$29,894,403$3,001,058$844,149$23,834,519
83$32,802,654$3,007,132$731,450$26,070,393
84$36,003,106$3,009,063$610,535$28,530,047
85$39,525,424$3,006,508$480,989$31,236,251
86$43,402,293$2,999,103$342,378$34,214,099
87$47,669,729$2,986,461$194,249$37,491,248
88$52,367,416$2,968,172$36,132$41,098,177
89$57,539,082$2,943,801$0$45,068,476
90$63,232,908$2,912,888$0$49,450,483
91$69,501,987$2,874,942$0$54,277,706
92$76,404,821$2,829,445$0$59,592,064
93$84,005,873$2,775,848$0$65,443,160
94$92,376,177$2,713,570$0$71,885,653
95$101,594,005$2,641,993$0$78,979,781
96$111,745,610$2,560,466$0$86,791,928
97$122,926,031$2,468,299$0$95,395,249
98$135,240,001$2,364,760$0$104,870,365
99$148,802,924$2,249,076$0$115,306,122
100$163,741,971$2,120,429$0$126,800,430