Can I retire at age 50 with 1,810,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$149,468$148,137$146,838$145,570$144,332$142,647
2 years$73,994$72,616$71,280$69,986$68,729$67,033
3 years$48,839$47,455$46,123$44,840$43,605$41,950
4 years$36,265$34,885$33,566$32,305$31,099$29,499
5 years$28,722$27,350$26,048$24,813$23,641$22,100
6 years$23,695$22,333$21,051$19,843$18,706$17,226
7 years$20,105$18,756$17,494$16,314$15,213$13,795
8 years$17,414$16,077$14,836$13,686$12,621$11,264
9 years$15,323$13,998$12,778$11,657$10,629$9,332
10 years$13,650$12,338$11,140$10,049$9,056$7,820
11 years$12,283$10,984$9,808$8,745$7,789$6,611
12 years$11,144$9,859$8,704$7,671$6,749$5,630
13 years$10,182$8,909$7,777$6,772$5,886$4,822
14 years$9,357$8,098$6,987$6,012$5,159$4,150
15 years$8,643$7,398$6,309$5,361$4,543$3,587
16 years$8,019$6,788$5,720$4,800$4,015$3,111
17 years$7,469$6,251$5,205$4,313$3,560$2,705
18 years$6,980$5,776$4,751$3,887$3,165$2,359
19 years$6,544$5,353$4,349$3,512$2,821$2,061
20 years$6,152$4,975$3,992$3,181$2,520$1,804
21 years$5,797$4,634$3,672$2,887$2,255$1,581
22 years$5,475$4,325$3,384$2,625$2,021$1,388
23 years$5,182$4,045$3,124$2,391$1,815$1,220
24 years$4,913$3,790$2,890$2,180$1,631$1,074
25 years$4,666$3,557$2,676$1,991$1,468$946
26 years$4,439$3,343$2,482$1,821$1,322$833
27 years$4,229$3,146$2,305$1,666$1,192$735
28 years$4,034$2,965$2,143$1,527$1,075$649
29 years$3,853$2,797$1,994$1,400$971$573
30 years$3,684$2,641$1,857$1,285$877$506
31 years$3,527$2,497$1,732$1,180$793$447
32 years$3,380$2,363$1,616$1,085$718$395
33 years$3,241$2,237$1,508$997$649$350
34 years$3,112$2,121$1,409$918$588$309
35 years$2,990$2,011$1,318$845$533$274
36 years$2,875$1,909$1,233$778$483$242
37 years$2,766$1,813$1,154$717$437$214
38 years$2,664$1,723$1,080$661$396$190
39 years$2,567$1,639$1,012$609$360$168
40 years$2,475$1,559$949$562$326$149
41 years$2,387$1,484$890$518$296$132
42 years$2,304$1,413$835$478$268$117
43 years$2,226$1,347$783$442$244$103
44 years$2,151$1,284$735$408$221$92
45 years$2,079$1,224$690$377$201$81
46 years$2,011$1,168$648$348$182$72
47 years$1,946$1,114$609$321$166$64
48 years$1,884$1,064$572$297$150$56
49 years$1,824$1,016$538$274$137$50
50 years$1,767$970$506$254$124$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,810,000, adding $3,824 every year, while hoping to spend $53,426 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: 34/40/26 Blend
49$1,810,000$1,810,000$1,810,000$1,810,000
50$1,998,564$1,902,634$1,874,579$2,050,637
51$2,145,573$1,939,019$1,880,533$2,126,414
52$2,305,786$1,975,395$1,884,895$2,202,991
53$2,480,494$2,011,707$1,887,557$2,284,519
54$2,671,117$2,047,893$1,888,402$2,371,472
55$2,879,218$2,083,887$1,887,311$2,464,377
56$3,106,518$2,119,617$1,884,156$2,563,814
57$3,354,912$2,155,008$1,878,804$2,670,426
58$3,626,485$2,189,975$1,871,116$2,784,921
59$3,923,534$2,224,431$1,860,946$2,908,085
60$4,248,587$2,258,281$1,848,140$3,040,782
61$4,604,428$2,291,422$1,832,538$3,183,972
62$4,994,123$2,323,746$1,813,972$3,338,711
63$5,421,049$2,355,134$1,792,265$3,506,168
64$5,888,923$2,385,463$1,767,233$3,687,634
65$6,401,840$2,414,598$1,738,683$3,884,536
66$6,964,311$2,442,396$1,706,412$4,098,449
67$7,581,303$2,468,706$1,670,209$4,331,114
68$8,258,287$2,493,363$1,629,851$4,584,454
69$9,001,289$2,516,195$1,585,108$4,860,590
70$9,816,948$2,537,016$1,535,737$5,161,869
71$10,712,576$2,555,629$1,481,484$5,490,878
72$11,696,229$2,571,826$1,422,084$5,850,477
73$12,776,781$2,585,381$1,357,260$6,243,823
74$13,964,005$2,596,058$1,286,721$6,674,401
75$15,268,673$2,603,604$1,210,165$7,146,059
76$16,702,647$2,607,750$1,127,276$7,663,045
77$18,278,999$2,608,211$1,037,721$8,230,046
78$20,012,128$2,604,684$941,156$8,852,240
79$21,917,899$2,596,848$837,218$9,535,338
80$24,013,792$2,584,361$725,532$10,285,645
81$26,319,064$2,566,860$605,703$11,110,119
82$28,854,934$2,543,961$477,319$12,016,438
83$31,644,779$2,515,257$339,952$13,013,076
84$34,714,358$2,480,316$193,151$14,109,382
85$38,092,050$2,438,680$36,450$15,315,672
86$41,809,128$2,389,864$0$16,643,328
87$45,900,045$2,333,353$0$18,141,188
88$50,402,768$2,268,605$0$19,799,975
89$55,359,127$2,195,044$0$21,624,997
90$60,815,215$2,112,059$0$23,633,266
91$66,821,823$2,019,005$0$25,843,542
92$73,434,913$1,915,201$0$28,276,505
93$80,716,153$1,799,924$0$30,954,956
94$88,733,492$1,672,412$0$33,904,033
95$97,561,804$1,531,856$0$37,151,450
96$107,283,596$1,377,404$0$40,727,761
97$117,989,780$1,208,155$0$44,666,650
98$129,780,538$1,023,155$0$49,005,251
99$142,766,261$821,397$0$53,784,502
100$157,068,593$601,819$0$59,049,532