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%18.5%
1 years$152,771$151,410$150,083$148,787$147,522$142,457
2 years$75,629$74,221$72,856$71,532$70,248$65,198
3 years$49,919$48,504$47,142$45,831$44,568$39,690
4 years$37,066$35,656$34,308$33,019$31,787$27,118
5 years$29,356$27,954$26,624$25,362$24,164$19,717
6 years$24,218$22,827$21,516$20,282$19,120$14,899
7 years$20,550$19,170$17,880$16,675$15,550$11,553
8 years$17,799$16,432$15,164$13,988$12,900$9,125
9 years$15,661$14,307$13,061$11,915$10,864$7,306
10 years$13,952$12,611$11,386$10,271$9,256$5,909
11 years$12,554$11,227$10,024$8,939$7,961$4,818
12 years$11,391$10,077$8,896$7,840$6,899$3,953
13 years$10,407$9,106$7,948$6,922$6,016$3,260
14 years$9,564$8,277$7,142$6,144$5,273$2,699
15 years$8,834$7,562$6,448$5,480$4,643$2,241
16 years$8,196$6,938$5,846$4,907$4,104$1,867
17 years$7,634$6,389$5,320$4,408$3,638$1,558
18 years$7,135$5,904$4,856$3,973$3,235$1,303
19 years$6,689$5,472$4,446$3,590$2,884$1,091
20 years$6,288$5,085$4,080$3,251$2,576$915
21 years$5,925$4,736$3,753$2,951$2,305$768
22 years$5,596$4,421$3,459$2,683$2,066$645
23 years$5,296$4,135$3,194$2,443$1,855$542
24 years$5,022$3,874$2,953$2,229$1,667$456
25 years$4,770$3,636$2,736$2,035$1,500$384
26 years$4,537$3,417$2,537$1,861$1,351$323
27 years$4,322$3,216$2,356$1,703$1,218$272
28 years$4,123$3,030$2,190$1,561$1,099$229
29 years$3,938$2,859$2,038$1,431$993$193
30 years$3,766$2,700$1,898$1,313$897$163
31 years$3,605$2,552$1,770$1,206$811$137
32 years$3,454$2,415$1,651$1,109$733$116
33 years$3,313$2,287$1,542$1,019$664$98
34 years$3,180$2,167$1,441$938$601$82
35 years$3,056$2,056$1,347$863$544$69
36 years$2,938$1,951$1,260$795$493$59
37 years$2,827$1,853$1,179$733$447$49
38 years$2,722$1,761$1,104$675$405$42
39 years$2,623$1,675$1,035$623$367$35
40 years$2,529$1,593$970$574$333$30
41 years$2,440$1,517$909$530$302$25
42 years$2,355$1,444$853$489$274$21
43 years$2,275$1,376$800$451$249$18
44 years$2,198$1,312$751$417$226$15
45 years$2,125$1,251$705$385$205$13
46 years$2,055$1,193$663$356$186$11
47 years$1,989$1,139$622$329$169$9
48 years$1,925$1,087$585$304$154$8
49 years$1,864$1,038$550$281$140$6
50 years$1,806$992$517$259$127$5

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 $4,445 every year, while hoping to spend $54,911 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: 50/35/15 Blend
49$1,850,000$1,850,000$1,850,000$1,850,000
50$2,043,285$1,945,235$1,916,560$2,136,822
51$2,193,275$1,982,127$1,922,340$2,238,518
52$2,356,724$2,018,986$1,926,473$2,342,887
53$2,534,946$2,055,752$1,928,846$2,455,093
54$2,729,389$2,092,362$1,929,341$2,575,892
55$2,941,645$2,128,747$1,927,832$2,706,118
56$3,173,468$2,164,830$1,924,189$2,846,688
57$3,426,787$2,200,533$1,918,276$2,998,616
58$3,703,729$2,235,768$1,909,947$3,163,018
59$4,006,631$2,270,443$1,899,053$3,341,127
60$4,338,072$2,304,458$1,885,435$3,534,301
61$4,700,886$2,337,708$1,868,928$3,744,038
62$5,098,198$2,370,077$1,849,358$3,971,991
63$5,533,446$2,401,443$1,826,544$4,219,982
64$6,010,420$2,431,676$1,800,296$4,490,021
65$6,533,291$2,460,636$1,770,414$4,784,324
66$7,106,654$2,488,175$1,736,690$5,105,338
67$7,735,570$2,514,132$1,698,906$5,455,757
68$8,425,611$2,538,338$1,656,833$5,838,557
69$9,182,920$2,560,612$1,610,232$6,257,015
70$10,014,257$2,580,762$1,558,855$6,714,750
71$10,927,073$2,598,581$1,502,438$7,215,751
72$11,929,574$2,613,851$1,440,709$7,764,417
73$13,030,800$2,626,340$1,373,383$8,365,599
74$14,240,711$2,635,799$1,300,160$9,024,647
75$15,570,276$2,641,966$1,220,728$9,747,463
76$17,031,583$2,644,561$1,134,762$10,540,553
77$18,637,947$2,643,288$1,041,919$11,411,091
78$20,404,039$2,637,830$941,844$12,366,991
79$22,346,020$2,627,852$834,165$13,416,977
80$24,481,697$2,613,000$718,492$14,570,671
81$26,830,689$2,592,896$594,421$15,838,682
82$29,414,612$2,567,141$461,527$17,232,707
83$32,257,282$2,535,310$319,367$18,765,645
84$35,384,938$2,496,954$167,480$20,451,719
85$38,826,495$2,451,598$5,383$22,306,609
86$42,613,808$2,398,736$0$24,347,607
87$46,781,977$2,337,835$0$26,620,600
88$51,369,678$2,268,329$0$29,122,444
89$56,419,528$2,189,619$0$31,875,539
90$61,978,481$2,101,072$0$34,905,522
91$68,098,279$2,002,017$0$38,240,658
92$74,835,933$1,891,746$0$41,912,098
93$82,254,264$1,769,507$0$45,954,181
94$90,422,494$1,634,508$0$50,404,757
95$99,416,900$1,485,911$0$55,305,546
96$109,321,532$1,322,828$0$60,702,533
97$120,229,005$1,144,324$0$66,646,405
98$132,241,376$949,409$0$73,193,031
99$145,471,103$737,037$0$80,403,991
100$160,042,107$506,103$0$88,347,159