Can I retire at age 50 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,433,022
2 years$739,941$726,160$712,805$699,855$687,295$676,912
3 years$488,394$474,554$461,232$448,404$436,048$425,900
4 years$362,645$348,847$335,659$323,050$310,993$301,159
5 years$287,216$273,501$260,485$248,133$236,412$226,921
6 years$236,946$223,334$210,510$198,434$187,065$177,928
7 years$201,052$187,555$174,935$163,144$152,134$143,356
8 years$174,145$160,770$148,359$136,857$126,210$117,791
9 years$153,228$139,979$127,782$116,572$106,287$98,225
10 years$136,504$123,384$111,403$100,486$90,562$82,852
11 years$122,830$109,842$98,077$87,453$77,886$70,523
12 years$111,443$98,588$87,041$76,708$67,494$60,472
13 years$101,815$89,095$77,765$67,722$58,856$52,167
14 years$93,570$80,985$69,873$60,116$51,593$45,229
15 years$86,431$73,981$63,086$53,613$45,427$39,379
16 years$80,190$67,876$57,196$48,004$40,148$34,408
17 years$74,689$62,512$52,046$43,132$35,598$30,155
18 years$69,805$57,763$47,512$38,870$31,652$26,498
19 years$65,440$53,535$43,495$35,123$28,212$23,336
20 years$61,516$49,747$39,917$31,810$25,200$20,591
21 years$57,971$46,337$36,716$28,870$22,551$18,200
22 years$54,752$43,254$33,840$26,249$20,214$16,111
23 years$51,818$40,455$31,245$23,906$18,145$14,279
24 years$49,132$37,903$28,896$21,803$16,309$12,671
25 years$46,665$35,571$26,764$19,912$14,676$11,254
26 years$44,391$33,431$24,822$18,207$13,219$10,005
27 years$42,289$31,462$23,049$16,665$11,918$8,902
28 years$40,341$29,647$21,427$15,269$10,754$7,925
29 years$38,530$27,968$19,940$14,002$9,711$7,060
30 years$36,844$26,413$18,573$12,850$8,774$6,293
31 years$35,269$24,969$17,315$11,802$7,933$5,612
32 years$33,796$23,626$16,156$10,846$7,176$5,006
33 years$32,414$22,374$15,085$9,974$6,494$4,468
34 years$31,117$21,205$14,094$9,177$5,880$3,989
35 years$29,897$20,113$13,177$8,448$5,325$3,562
36 years$28,747$19,090$12,327$7,780$4,825$3,182
37 years$27,662$18,131$11,538$7,168$4,373$2,843
38 years$26,636$17,231$10,805$6,607$3,965$2,541
39 years$25,665$16,385$10,123$6,092$3,595$2,271
40 years$24,746$15,589$9,488$5,619$3,261$2,030
41 years$23,873$14,839$8,897$5,184$2,959$1,815
42 years$23,044$14,133$8,345$4,785$2,685$1,623
43 years$22,256$13,465$7,831$4,417$2,436$1,452
44 years$21,505$12,835$7,351$4,078$2,212$1,299
45 years$20,790$12,240$6,902$3,766$2,008$1,162
46 years$20,109$11,676$6,483$3,479$1,823$1,039
47 years$19,458$11,143$6,090$3,214$1,655$930
48 years$18,836$10,637$5,723$2,970$1,503$832
49 years$18,241$10,158$5,379$2,745$1,365$744
50 years$17,672$9,703$5,058$2,537$1,240$666

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $18,100,000, adding $6,266 every year, while hoping to spend $20,603 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: 20/50/30 Blend
49$18,100,000$18,100,000$18,100,000$18,100,000
50$19,952,663$18,993,363$18,712,813$20,161,139
51$21,965,914$19,902,117$19,317,771$21,270,627
52$24,183,825$20,854,709$19,942,305$22,452,764
53$26,627,251$21,853,265$20,587,048$23,714,979
54$29,319,171$22,900,016$21,252,655$25,063,711
55$32,284,910$23,997,300$21,939,802$26,505,977
56$35,552,372$25,147,569$22,649,187$28,049,430
57$39,152,309$26,353,395$23,381,530$29,702,419
58$43,118,608$27,617,475$24,137,574$31,474,058
59$47,488,612$28,942,637$24,918,088$33,374,300
60$52,303,471$30,331,846$25,723,865$35,414,015
61$57,608,532$31,788,214$26,555,722$37,605,083
62$63,453,768$33,315,003$27,414,504$39,960,491
63$69,894,248$34,915,633$28,301,085$42,494,440
64$76,990,654$36,593,691$29,216,364$45,222,468
65$84,809,860$38,352,942$30,161,272$48,161,573
66$93,425,559$40,197,329$31,136,768$51,330,365
67$102,918,960$42,130,992$32,143,843$54,749,221
68$113,379,553$44,158,270$33,183,522$58,440,458
69$124,905,957$46,283,715$34,256,859$62,428,526
70$137,606,848$48,512,100$35,364,947$66,740,219
71$151,601,985$50,848,431$36,508,911$71,404,907
72$167,023,341$53,297,959$37,689,914$76,454,792
73$184,016,352$55,866,189$38,909,156$81,925,187
74$202,741,283$58,558,895$40,167,876$87,854,828
75$223,374,748$61,382,136$41,467,354$94,286,213
76$246,111,373$64,342,261$42,808,911$101,265,981
77$271,165,635$67,445,933$44,193,911$108,845,318
78$298,773,885$70,700,139$45,623,762$117,080,417
79$329,196,580$74,112,205$47,099,917$126,032,978
80$362,720,745$77,689,817$48,623,879$135,770,756
81$399,662,678$81,441,035$50,197,195$146,368,171
82$440,370,937$85,374,311$51,821,467$157,906,977
83$485,229,632$89,498,512$53,498,345$170,476,992
84$534,662,051$93,822,935$55,229,537$184,176,916
85$589,134,655$98,357,334$57,016,801$199,115,217
86$649,161,483$103,111,937$58,861,957$215,411,118
87$715,309,003$108,097,470$60,766,881$233,195,677
88$788,201,460$113,325,185$62,733,511$252,612,981
89$868,526,773$118,806,883$64,763,847$273,821,456
90$957,043,024$124,554,941$66,859,956$296,995,316
91$1,054,585,618$130,582,338$69,023,970$322,326,153
92$1,162,075,169$136,902,691$71,258,091$350,024,696
93$1,280,526,191$143,530,278$73,564,592$380,322,736
94$1,411,056,677$150,480,076$75,945,821$413,475,264
95$1,554,898,653$157,767,794$78,404,200$449,762,808
96$1,713,409,807$165,409,908$80,942,233$489,494,021
97$1,888,086,311$173,423,697$83,562,501$533,008,522
98$2,080,576,943$181,827,286$86,267,673$580,680,036
99$2,292,698,652$190,639,684$89,060,501$632,919,843
100$2,526,453,716$199,880,830$91,943,829$690,180,585