Can I retire at age 50 with 18,200,000?

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 $18,200,000?

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$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,440,940
2 years$744,029$730,172$716,743$703,722$691,092$680,652
3 years$491,092$477,176$463,780$450,882$438,457$428,253
4 years$364,649$350,775$337,513$324,835$312,711$302,823
5 years$288,802$275,012$261,924$249,504$237,718$228,174
6 years$238,255$224,568$211,674$199,531$188,098$178,911
7 years$202,163$188,592$175,902$164,045$152,974$144,148
8 years$175,107$161,658$149,179$137,613$126,907$118,442
9 years$154,074$140,752$128,487$117,216$106,874$98,767
10 years$137,258$124,066$112,018$101,041$91,062$83,310
11 years$123,508$110,449$98,619$87,936$78,316$70,913
12 years$112,059$99,133$87,522$77,132$67,867$60,806
13 years$102,378$89,587$78,195$68,096$59,182$52,455
14 years$94,087$81,432$70,259$60,448$51,878$45,479
15 years$86,908$74,390$63,434$53,909$45,678$39,596
16 years$80,633$68,251$57,512$48,270$40,370$34,598
17 years$75,102$62,857$52,334$43,370$35,795$30,322
18 years$70,190$58,083$47,774$39,085$31,827$26,644
19 years$65,801$53,830$43,735$35,317$28,368$23,465
20 years$61,856$50,022$40,138$31,986$25,339$20,705
21 years$58,291$46,593$36,919$29,029$22,676$18,301
22 years$55,055$43,493$34,027$26,394$20,325$16,200
23 years$52,104$40,678$31,417$24,038$18,245$14,358
24 years$49,403$38,113$29,056$21,924$16,399$12,741
25 years$46,922$35,767$26,912$20,022$14,757$11,317
26 years$44,636$33,615$24,959$18,307$13,292$10,061
27 years$42,523$31,636$23,177$16,757$11,984$8,951
28 years$40,564$29,810$21,546$15,353$10,814$7,969
29 years$38,743$28,123$20,050$14,079$9,764$7,099
30 years$37,047$26,559$18,676$12,921$8,823$6,328
31 years$35,464$25,107$17,411$11,867$7,977$5,643
32 years$33,982$23,756$16,245$10,906$7,215$5,034
33 years$32,594$22,498$15,168$10,029$6,530$4,493
34 years$31,289$21,323$14,172$9,228$5,912$4,011
35 years$30,062$20,224$13,250$8,494$5,355$3,582
36 years$28,906$19,196$12,395$7,823$4,852$3,200
37 years$27,815$18,231$11,601$7,208$4,397$2,859
38 years$26,783$17,326$10,864$6,644$3,987$2,555
39 years$25,807$16,476$10,179$6,126$3,615$2,283
40 years$24,882$15,675$9,540$5,650$3,279$2,041
41 years$24,005$14,921$8,946$5,213$2,975$1,825
42 years$23,171$14,211$8,392$4,811$2,699$1,632
43 years$22,379$13,540$7,874$4,441$2,450$1,460
44 years$21,624$12,906$7,391$4,101$2,224$1,306
45 years$20,905$12,307$6,940$3,787$2,019$1,168
46 years$20,220$11,741$6,518$3,498$1,833$1,045
47 years$19,565$11,204$6,124$3,232$1,664$935
48 years$18,940$10,696$5,755$2,986$1,511$836
49 years$18,342$10,214$5,409$2,760$1,373$748
50 years$17,770$9,757$5,085$2,551$1,247$670

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $18,200,000, adding $3,528 every year, while hoping to spend $42,726 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: 83/6/11 Blend
49$18,200,000$18,200,000$18,200,000$18,200,000
50$20,060,039$19,095,439$18,813,339$21,688,445
51$22,060,703$19,985,656$19,398,126$23,645,366
52$24,264,003$20,918,061$20,001,071$25,787,998
53$26,690,562$21,894,676$20,622,738$28,139,751
54$29,363,106$22,917,623$21,263,706$30,721,613
55$32,306,678$23,989,122$21,924,576$33,556,695
56$35,548,874$25,111,503$22,605,964$36,670,456
57$39,120,101$26,287,209$23,308,506$40,090,935
58$43,053,869$27,518,799$24,032,858$43,849,016
59$47,387,102$28,808,959$24,779,697$47,978,721
60$52,160,489$30,160,500$25,549,720$52,517,520
61$57,418,869$31,576,375$26,343,645$57,506,695
62$63,211,650$33,059,674$27,162,214$62,991,717
63$69,593,281$34,613,641$28,006,191$69,022,678
64$76,623,761$36,241,675$28,876,364$75,654,761
65$84,369,207$37,947,339$29,773,544$82,948,756
66$92,902,478$39,734,370$30,698,570$90,971,637
67$102,303,862$41,606,686$31,652,303$99,797,183
68$112,661,835$43,568,392$32,635,634$109,506,682
69$124,073,896$45,623,797$33,649,481$120,189,685
70$136,647,483$47,777,413$34,694,790$131,944,856
71$150,500,996$50,033,976$35,772,534$144,880,896
72$165,764,904$52,398,447$36,883,720$159,117,570
73$182,582,984$54,876,031$38,029,385$174,786,830
74$201,113,675$57,472,183$39,210,596$192,034,059
75$221,531,574$60,192,624$40,428,455$211,019,438
76$244,029,085$63,043,353$41,684,098$231,919,459
77$268,818,232$66,030,658$42,978,696$254,928,581
78$296,132,665$69,161,133$44,313,456$280,261,067
79$326,229,861$72,441,693$45,689,621$308,152,999
80$359,393,560$75,879,589$47,108,476$338,864,503
81$395,936,435$79,482,421$48,571,342$372,682,198
82$436,203,053$83,258,161$50,079,584$409,921,904
83$480,573,120$87,215,167$51,634,606$450,931,608
84$529,465,071$91,362,203$53,237,858$496,094,753
85$583,340,016$95,708,458$54,890,834$545,833,846
86$642,706,095$100,263,570$56,595,074$600,614,444
87$708,123,274$105,037,642$58,352,166$660,949,543
88$780,208,632$110,041,271$60,163,748$727,404,414
89$859,642,185$115,285,565$62,031,506$800,601,931
90$947,173,306$120,782,177$63,957,180$881,228,449
91$1,043,627,803$126,543,323$65,942,565$970,040,272
92$1,149,915,706$132,581,813$67,989,508$1,067,870,787
93$1,267,039,869$138,911,083$70,099,918$1,175,638,326
94$1,396,105,428$145,545,219$72,275,757$1,294,354,824
95$1,538,330,241$152,498,993$74,519,054$1,425,135,367
96$1,695,056,379$159,787,897$76,831,896$1,569,208,707
97$1,867,762,801$167,428,176$79,216,436$1,727,928,856
98$2,058,079,315$175,436,864$81,674,895$1,902,787,860
99$2,267,801,961$183,831,827$84,209,560$2,095,429,870
100$2,498,909,972$192,631,797$86,822,791$2,307,666,657