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

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$152,771$151,410$150,083$148,787$147,522$141,669
2 years$75,629$74,221$72,856$71,532$70,248$64,424
3 years$49,919$48,504$47,142$45,831$44,568$38,956
4 years$37,066$35,656$34,308$33,019$31,787$26,429
5 years$29,356$27,954$26,624$25,362$24,164$19,075
6 years$24,218$22,827$21,516$20,282$19,120$14,303
7 years$20,550$19,170$17,880$16,675$15,550$11,002
8 years$17,799$16,432$15,164$13,988$12,900$8,618
9 years$15,661$14,307$13,061$11,915$10,864$6,841
10 years$13,952$12,611$11,386$10,271$9,256$5,484
11 years$12,554$11,227$10,024$8,939$7,961$4,431
12 years$11,391$10,077$8,896$7,840$6,899$3,602
13 years$10,407$9,106$7,948$6,922$6,016$2,942
14 years$9,564$8,277$7,142$6,144$5,273$2,412
15 years$8,834$7,562$6,448$5,480$4,643$1,983
16 years$8,196$6,938$5,846$4,907$4,104$1,635
17 years$7,634$6,389$5,320$4,408$3,638$1,351
18 years$7,135$5,904$4,856$3,973$3,235$1,118
19 years$6,689$5,472$4,446$3,590$2,884$926
20 years$6,288$5,085$4,080$3,251$2,576$768
21 years$5,925$4,736$3,753$2,951$2,305$638
22 years$5,596$4,421$3,459$2,683$2,066$530
23 years$5,296$4,135$3,194$2,443$1,855$441
24 years$5,022$3,874$2,953$2,229$1,667$367
25 years$4,770$3,636$2,736$2,035$1,500$305
26 years$4,537$3,417$2,537$1,861$1,351$254
27 years$4,322$3,216$2,356$1,703$1,218$211
28 years$4,123$3,030$2,190$1,561$1,099$176
29 years$3,938$2,859$2,038$1,431$993$147
30 years$3,766$2,700$1,898$1,313$897$122
31 years$3,605$2,552$1,770$1,206$811$102
32 years$3,454$2,415$1,651$1,109$733$85
33 years$3,313$2,287$1,542$1,019$664$71
34 years$3,180$2,167$1,441$938$601$59
35 years$3,056$2,056$1,347$863$544$49
36 years$2,938$1,951$1,260$795$493$41
37 years$2,827$1,853$1,179$733$447$34
38 years$2,722$1,761$1,104$675$405$29
39 years$2,623$1,675$1,035$623$367$24
40 years$2,529$1,593$970$574$333$20
41 years$2,440$1,517$909$530$302$17
42 years$2,355$1,444$853$489$274$14
43 years$2,275$1,376$800$451$249$12
44 years$2,198$1,312$751$417$226$10
45 years$2,125$1,251$705$385$205$8
46 years$2,055$1,193$663$356$186$7
47 years$1,989$1,139$622$329$169$6
48 years$1,925$1,087$585$304$154$5
49 years$1,864$1,038$550$281$140$4
50 years$1,806$992$517$259$127$3

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 $4,620 every year, while hoping to spend $54,723 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: 47/48/5 Blend
49$1,850,000$1,850,000$1,850,000$1,850,000
50$2,043,466$1,945,416$1,916,741$2,136,647
51$2,193,674$1,982,516$1,922,726$2,238,043
52$2,357,370$2,019,600$1,927,079$2,341,860
53$2,535,871$2,056,610$1,929,685$2,453,221
54$2,730,628$2,093,482$1,930,427$2,572,839
55$2,943,236$2,130,147$1,929,182$2,701,503
56$3,175,455$2,166,533$1,925,818$2,840,077
57$3,429,218$2,202,560$1,920,199$2,989,518
58$3,706,656$2,238,143$1,912,184$3,150,878
59$4,010,114$2,273,191$1,901,621$3,325,319
60$4,342,174$2,307,605$1,888,353$3,514,121
61$4,705,679$2,341,281$1,872,217$3,718,695
62$5,103,761$2,374,107$1,853,039$3,940,598
63$5,539,867$2,405,961$1,830,638$4,181,545
64$6,017,796$2,436,715$1,804,826$4,443,429
65$6,541,728$2,466,231$1,775,405$4,728,337
66$7,116,270$2,494,362$1,742,167$5,038,569
67$7,746,494$2,520,951$1,704,895$5,376,663
68$8,437,990$2,545,830$1,663,361$5,745,417
69$9,196,910$2,568,821$1,617,329$6,147,917
70$10,030,035$2,589,733$1,566,550$6,587,566
71$10,944,832$2,608,364$1,510,763$7,068,116
72$11,949,528$2,624,497$1,449,697$7,593,706
73$13,053,185$2,637,903$1,383,067$8,168,899
74$14,265,787$2,648,337$1,310,577$8,798,727
75$15,598,332$2,655,540$1,231,915$9,488,740
76$17,062,935$2,659,234$1,146,758$10,245,059
77$18,672,945$2,659,128$1,054,765$11,074,431
78$20,443,068$2,654,908$955,582$11,984,299
79$22,389,507$2,646,244$848,840$12,982,869
80$24,530,111$2,632,785$734,151$14,079,190
81$26,884,549$2,614,157$611,111$15,283,240
82$29,474,489$2,589,967$479,299$16,606,022
83$32,323,805$2,559,794$338,275$18,059,668
84$35,458,804$2,523,195$187,578$19,657,555
85$38,908,469$2,479,699$26,729$21,414,435
86$42,704,736$2,428,806$0$23,346,570
87$46,882,790$2,369,990$0$25,479,626
88$51,481,405$2,302,689$0$27,827,665
89$56,543,301$2,226,313$0$30,411,091
90$62,115,549$2,140,235$0$33,253,967
91$68,250,020$2,043,790$0$36,382,825
92$75,003,864$1,936,279$0$39,826,913
93$82,440,060$1,816,958$0$43,618,476
94$90,628,001$1,685,044$0$47,793,061
95$99,644,152$1,539,705$0$52,389,855
96$109,572,771$1,380,066$0$57,452,057
97$120,506,704$1,205,200$0$63,027,288
98$132,548,259$1,014,127$0$69,168,046
99$145,810,175$805,812$0$75,932,201
100$160,416,678$579,163$0$83,383,546