Can I retire at age 50 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$152,771$151,410$150,083$148,787$147,522$144,366
2 years$75,629$74,221$72,856$71,532$70,248$67,085
3 years$49,919$48,504$47,142$45,831$44,568$41,495
4 years$37,066$35,656$34,308$33,019$31,787$28,827
5 years$29,356$27,954$26,624$25,362$24,164$21,327
6 years$24,218$22,827$21,516$20,282$19,120$16,409
7 years$20,550$19,170$17,880$16,675$15,550$12,965
8 years$17,799$16,432$15,164$13,988$12,900$10,440
9 years$15,661$14,307$13,061$11,915$10,864$8,527
10 years$13,952$12,611$11,386$10,271$9,256$7,041
11 years$12,554$11,227$10,024$8,939$7,961$5,864
12 years$11,391$10,077$8,896$7,840$6,899$4,917
13 years$10,407$9,106$7,948$6,922$6,016$4,146
14 years$9,564$8,277$7,142$6,144$5,273$3,511
15 years$8,834$7,562$6,448$5,480$4,643$2,985
16 years$8,196$6,938$5,846$4,907$4,104$2,545
17 years$7,634$6,389$5,320$4,408$3,638$2,176
18 years$7,135$5,904$4,856$3,973$3,235$1,865
19 years$6,689$5,472$4,446$3,590$2,884$1,601
20 years$6,288$5,085$4,080$3,251$2,576$1,376
21 years$5,925$4,736$3,753$2,951$2,305$1,185
22 years$5,596$4,421$3,459$2,683$2,066$1,021
23 years$5,296$4,135$3,194$2,443$1,855$881
24 years$5,022$3,874$2,953$2,229$1,667$761
25 years$4,770$3,636$2,736$2,035$1,500$657
26 years$4,537$3,417$2,537$1,861$1,351$568
27 years$4,322$3,216$2,356$1,703$1,218$492
28 years$4,123$3,030$2,190$1,561$1,099$426
29 years$3,938$2,859$2,038$1,431$993$368
30 years$3,766$2,700$1,898$1,313$897$319
31 years$3,605$2,552$1,770$1,206$811$277
32 years$3,454$2,415$1,651$1,109$733$240
33 years$3,313$2,287$1,542$1,019$664$208
34 years$3,180$2,167$1,441$938$601$180
35 years$3,056$2,056$1,347$863$544$156
36 years$2,938$1,951$1,260$795$493$135
37 years$2,827$1,853$1,179$733$447$117
38 years$2,722$1,761$1,104$675$405$102
39 years$2,623$1,675$1,035$623$367$88
40 years$2,529$1,593$970$574$333$77
41 years$2,440$1,517$909$530$302$67
42 years$2,355$1,444$853$489$274$58
43 years$2,275$1,376$800$451$249$50
44 years$2,198$1,312$751$417$226$43
45 years$2,125$1,251$705$385$205$38
46 years$2,055$1,193$663$356$186$33
47 years$1,989$1,139$622$329$169$28
48 years$1,925$1,087$585$304$154$25
49 years$1,864$1,038$550$281$140$21
50 years$1,806$992$517$259$127$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,850,000, adding $2,429 every year, while hoping to spend $53,194 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: 74/12/14 Blend
49$1,850,000$1,850,000$1,850,000$1,850,000
50$2,041,206$1,943,156$1,914,481$2,185,957
51$2,192,810$1,981,772$1,922,018$2,320,626
52$2,358,096$2,020,498$1,928,024$2,461,310
53$2,538,402$2,059,283$1,932,393$2,614,019
54$2,735,203$2,098,071$1,935,012$2,779,930
55$2,950,120$2,136,803$1,935,761$2,960,343
56$3,184,940$2,175,414$1,934,517$3,156,689
57$3,441,630$2,213,836$1,931,150$3,370,543
58$3,722,356$2,251,993$1,925,523$3,603,642
59$4,029,500$2,289,804$1,917,491$3,857,901
60$4,365,688$2,327,184$1,906,906$4,135,425
61$4,733,810$2,364,038$1,893,610$4,438,540
62$5,137,049$2,400,266$1,877,436$4,769,803
63$5,578,912$2,435,763$1,858,214$5,132,036
64$6,063,257$2,470,412$1,835,760$5,528,345
65$6,594,338$2,504,090$1,809,887$5,962,156
66$7,176,836$2,536,667$1,780,394$6,437,242
67$7,815,911$2,568,001$1,747,075$6,957,763
68$8,517,243$2,597,942$1,709,711$7,528,299
69$9,287,090$2,626,329$1,668,074$8,153,903
70$10,132,346$2,652,992$1,621,927$8,840,140
71$11,060,604$2,677,747$1,571,021$9,593,143
72$12,080,229$2,700,401$1,515,094$10,419,672
73$13,200,437$2,720,745$1,453,874$11,327,176
74$14,431,378$2,738,558$1,387,075$12,323,865
75$15,784,237$2,753,606$1,314,401$13,418,786
76$17,271,335$2,765,638$1,235,539$14,621,912
77$18,906,246$2,774,389$1,150,164$15,944,231
78$20,703,924$2,779,575$1,057,936$17,397,853
79$22,680,847$2,780,897$958,499$18,996,128
80$24,855,167$2,778,035$851,483$20,753,763
81$27,246,885$2,770,650$736,499$22,686,972
82$29,878,038$2,758,383$613,142$24,813,621
83$32,772,906$2,740,851$480,990$27,153,402
84$35,958,241$2,717,651$339,602$29,728,014
85$39,463,518$2,688,353$188,515$32,561,376
86$43,321,216$2,652,501$27,250$35,679,845
87$47,567,121$2,609,614$0$39,112,472
88$52,240,662$2,559,181$0$42,912,909
89$57,385,289$2,500,659$0$47,100,553
90$63,048,873$2,433,477$0$51,710,296
91$69,284,168$2,357,026$0$56,785,080
92$76,149,298$2,270,666$0$62,372,224
93$83,708,313$2,173,715$0$68,523,872
94$92,031,788$2,065,455$0$75,297,488
95$101,197,493$1,945,124$0$82,756,393
96$111,291,121$1,811,919$0$90,970,368
97$122,407,102$1,664,989$0$100,016,310
98$134,649,487$1,503,434$0$109,978,958
99$148,132,936$1,326,305$0$120,951,695
100$162,983,798$1,132,595$0$133,037,428