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%12.2%
1 years$148,642$147,318$146,027$144,766$143,535$142,213
2 years$73,585$72,215$70,887$69,599$68,350$67,018
3 years$48,570$47,193$45,868$44,593$43,364$42,064
4 years$36,064$34,692$33,380$32,127$30,928$29,669
5 years$28,563$27,199$25,905$24,676$23,511$22,297
6 years$23,564$22,210$20,935$19,734$18,603$17,436
7 years$19,994$18,652$17,397$16,224$15,129$14,009
8 years$17,318$15,988$14,754$13,610$12,551$11,478
9 years$15,238$13,921$12,708$11,593$10,570$9,544
10 years$13,575$12,270$11,079$9,993$9,006$8,026
11 years$12,215$10,924$9,754$8,697$7,746$6,811
12 years$11,083$9,804$8,656$7,628$6,712$5,822
13 years$10,125$8,860$7,734$6,735$5,853$5,006
14 years$9,305$8,054$6,949$5,978$5,131$4,326
15 years$8,595$7,357$6,274$5,332$4,518$3,754
16 years$7,975$6,750$5,688$4,774$3,993$3,269
17 years$7,428$6,217$5,176$4,289$3,540$2,855
18 years$6,942$5,744$4,725$3,866$3,148$2,500
19 years$6,508$5,324$4,325$3,493$2,806$2,194
20 years$6,118$4,947$3,970$3,163$2,506$1,928
21 years$5,765$4,608$3,651$2,871$2,243$1,698
22 years$5,445$4,302$3,365$2,610$2,010$1,498
23 years$5,153$4,023$3,107$2,377$1,804$1,322
24 years$4,886$3,769$2,874$2,168$1,622$1,169
25 years$4,641$3,537$2,662$1,980$1,459$1,034
26 years$4,415$3,325$2,468$1,811$1,315$916
27 years$4,206$3,129$2,292$1,657$1,185$812
28 years$4,012$2,948$2,131$1,518$1,069$720
29 years$3,832$2,781$1,983$1,392$966$639
30 years$3,664$2,627$1,847$1,278$873$567
31 years$3,507$2,483$1,722$1,174$789$503
32 years$3,361$2,350$1,607$1,079$714$447
33 years$3,224$2,225$1,500$992$646$398
34 years$3,095$2,109$1,402$913$585$353
35 years$2,973$2,000$1,310$840$530$314
36 years$2,859$1,898$1,226$774$480$280
37 years$2,751$1,803$1,147$713$435$249
38 years$2,649$1,714$1,074$657$394$221
39 years$2,552$1,629$1,007$606$358$197
40 years$2,461$1,550$944$559$324$175
41 years$2,374$1,476$885$516$294$156
42 years$2,292$1,405$830$476$267$139
43 years$2,213$1,339$779$439$242$124
44 years$2,139$1,276$731$406$220$110
45 years$2,068$1,217$686$375$200$98
46 years$2,000$1,161$645$346$181$87
47 years$1,935$1,108$606$320$165$78
48 years$1,873$1,058$569$295$149$69
49 years$1,814$1,010$535$273$136$62
50 years$1,757$965$503$252$123$55

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 $4,625 every year, while hoping to spend $52,582 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: 49/32/19 Blend
49$1,800,000$1,800,000$1,800,000$1,800,000
50$1,988,371$1,892,971$1,865,071$2,075,004
51$2,135,238$1,929,779$1,871,604$2,172,321
52$2,295,323$1,966,629$1,876,593$2,272,240
53$2,469,919$2,003,467$1,879,932$2,379,671
54$2,660,448$2,040,235$1,881,508$2,495,340
55$2,868,478$2,076,870$1,881,202$2,620,048
56$3,095,731$2,113,306$1,878,891$2,754,681
57$3,344,106$2,149,468$1,874,444$2,900,213
58$3,615,693$2,185,280$1,867,726$3,057,719
59$3,912,792$2,220,657$1,858,593$3,228,387
60$4,237,937$2,255,509$1,846,896$3,413,523
61$4,593,916$2,289,739$1,832,477$3,614,572
62$4,983,802$2,323,243$1,815,172$3,833,124
63$5,410,978$2,355,910$1,794,808$4,070,936
64$5,879,169$2,387,621$1,771,205$4,329,943
65$6,392,478$2,418,248$1,744,174$4,612,283
66$6,955,424$2,447,655$1,713,517$4,920,310
67$7,572,984$2,475,697$1,679,027$5,256,622
68$8,250,640$2,502,218$1,640,486$5,624,086
69$8,994,432$2,527,053$1,597,669$6,025,863
70$9,811,010$2,550,025$1,550,337$6,465,438
71$10,707,703$2,570,946$1,498,243$6,946,656
72$11,692,581$2,589,615$1,441,127$7,473,758
73$12,774,537$2,605,819$1,378,717$8,051,420
74$13,963,366$2,619,329$1,310,730$8,684,800
75$15,269,858$2,629,906$1,236,869$9,379,585
76$16,705,904$2,637,291$1,156,823$10,142,049
77$18,284,599$2,641,211$1,070,270$10,979,108
78$20,020,373$2,641,376$976,870$11,898,391
79$21,929,126$2,637,478$876,269$12,908,309
80$24,028,371$2,629,189$768,099$14,018,139
81$26,337,407$2,616,161$651,972$15,238,108
82$28,877,497$2,598,027$527,487$16,579,496
83$31,672,066$2,574,395$394,223$18,054,738
84$34,746,927$2,544,851$251,739$19,677,548
85$38,130,520$2,508,954$99,579$21,463,044
86$41,854,180$2,466,240$0$23,427,899
87$45,952,435$2,416,215$0$25,603,225
88$50,463,330$2,358,357$0$28,018,927
89$55,428,785$2,292,111$0$30,677,245
90$60,894,989$2,216,892$0$33,602,925
91$66,912,838$2,132,081$0$36,823,239
92$73,538,415$2,037,020$0$40,368,250
93$80,833,516$1,931,016$0$44,271,094
94$88,866,233$1,813,334$0$48,568,291
95$97,711,600$1,683,199$0$53,300,097
96$107,452,296$1,539,789$0$58,510,880
97$118,179,428$1,382,236$0$64,249,545
98$129,993,388$1,209,624$0$70,569,992
99$143,004,801$1,020,983$0$77,531,630
100$157,335,568$815,289$0$85,199,940