Can I retire at age 50 with 18,500,000?

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,442,484
2 years$756,293$742,208$728,557$715,322$702,484$669,677
3 years$499,187$485,041$471,425$458,314$445,685$413,827
4 years$370,659$356,557$343,077$330,189$317,866$287,203
5 years$293,563$279,545$266,242$253,617$241,637$212,255
6 years$242,182$228,269$215,163$202,820$191,199$163,130
7 years$205,496$191,700$178,801$166,749$155,496$128,744
8 years$177,994$164,322$151,638$139,882$128,999$103,554
9 years$156,614$143,072$130,605$119,148$108,636$84,479
10 years$139,521$126,111$113,865$102,707$92,563$69,670
11 years$125,544$112,269$100,245$89,386$79,607$57,947
12 years$113,906$100,767$88,965$78,403$68,986$48,525
13 years$104,065$91,064$79,484$69,218$60,157$40,858
14 years$95,638$82,775$71,417$61,444$52,733$34,558
15 years$88,341$75,616$64,480$54,798$46,431$29,337
16 years$81,962$69,376$58,460$49,065$41,036$24,982
17 years$76,340$63,893$53,197$44,085$36,385$21,328
18 years$71,347$59,040$48,562$39,729$32,352$18,248
19 years$66,886$54,718$44,456$35,899$28,836$15,641
20 years$62,876$50,846$40,799$32,513$25,757$13,428
21 years$59,252$47,361$37,528$29,508$23,049$11,543
22 years$55,962$44,210$34,587$26,829$20,660$9,934
23 years$52,963$41,349$31,935$24,434$18,546$8,557
24 years$50,218$38,741$29,535$22,285$16,670$7,377
25 years$47,696$36,357$27,355$20,352$15,000$6,364
26 years$45,372$34,169$25,371$18,609$13,512$5,494
27 years$43,224$32,157$23,559$17,033$12,182$4,745
28 years$41,232$30,302$21,901$15,606$10,992$4,100
29 years$39,382$28,586$20,381$14,311$9,925$3,544
30 years$37,658$26,997$18,984$13,134$8,968$3,065
31 years$36,048$25,521$17,698$12,063$8,108$2,651
32 years$34,543$24,148$16,513$11,086$7,334$2,294
33 years$33,131$22,868$15,418$10,194$6,638$1,985
34 years$31,805$21,674$14,406$9,380$6,010$1,718
35 years$30,558$20,557$13,468$8,635$5,443$1,487
36 years$29,382$19,512$12,599$7,952$4,932$1,287
37 years$28,273$18,532$11,793$7,327$4,470$1,115
38 years$27,225$17,612$11,043$6,753$4,052$965
39 years$26,233$16,747$10,346$6,227$3,675$836
40 years$25,292$15,934$9,698$5,743$3,333$724
41 years$24,400$15,167$9,093$5,299$3,024$627
42 years$23,553$14,445$8,530$4,890$2,744$543
43 years$22,748$13,763$8,004$4,514$2,490$471
44 years$21,981$13,119$7,513$4,168$2,260$408
45 years$21,250$12,510$7,055$3,850$2,052$353
46 years$20,553$11,934$6,626$3,556$1,863$306
47 years$19,888$11,389$6,225$3,285$1,692$265
48 years$19,252$10,872$5,850$3,036$1,536$230
49 years$18,644$10,382$5,498$2,805$1,395$199
50 years$18,062$9,918$5,169$2,593$1,267$172

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $18,500,000, adding $3,847 every year, while hoping to spend $50,509 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: 52/22/26 Blend
49$18,500,000$18,500,000$18,500,000$18,500,000
50$20,390,968$19,410,468$19,123,718$21,302,835
51$22,417,106$20,307,840$19,710,622$22,832,881
52$24,648,217$21,247,490$20,315,493$24,490,907
53$27,105,154$22,231,437$20,938,882$26,293,543
54$29,810,899$23,261,796$21,581,353$28,254,598
55$32,790,771$24,340,785$22,243,489$30,389,250
56$36,072,674$25,470,727$22,925,891$32,714,187
57$39,687,354$26,654,060$23,629,175$35,247,756
58$43,668,693$27,893,338$24,353,981$38,010,133
59$48,054,025$29,191,236$25,100,965$41,023,507
60$52,884,491$30,550,563$25,870,802$44,312,283
61$58,205,426$31,974,258$26,664,192$47,903,307
62$64,066,789$33,465,406$27,481,852$51,826,110
63$70,523,630$35,027,239$28,324,522$56,113,184
64$77,636,612$36,663,145$29,192,965$60,800,280
65$85,472,585$38,376,678$30,087,968$65,926,735
66$94,105,214$40,171,560$31,010,340$71,535,839
67$103,615,675$42,051,696$31,960,916$77,675,237
68$114,093,423$44,021,179$32,940,556$84,397,363
69$125,637,033$46,084,297$33,950,146$91,759,935
70$138,355,133$48,245,551$34,990,598$99,826,484
71$152,367,427$50,509,653$36,062,854$108,666,946
72$167,805,828$52,881,550$37,167,883$118,358,314
73$184,815,699$55,366,422$38,306,683$128,985,351
74$203,557,227$57,969,703$39,480,284$140,641,383
75$224,206,937$60,697,091$40,689,746$153,429,165
76$246,959,353$63,554,558$41,936,161$167,461,838
77$272,028,840$66,548,364$43,220,656$182,863,991
78$299,651,623$69,685,075$44,544,389$199,772,816
79$330,088,019$72,971,574$45,908,557$218,339,396
80$363,624,894$76,415,078$47,314,390$238,730,112
81$400,578,368$80,023,152$48,763,157$261,128,202
82$441,296,804$83,803,729$50,256,165$285,735,474
83$486,164,093$87,765,127$51,794,762$312,774,194
84$535,603,279$91,916,066$53,380,334$342,489,169
85$590,080,551$96,265,690$55,014,313$375,150,039
86$650,109,645$100,823,587$56,698,170$411,053,805
87$716,256,694$105,599,809$58,433,425$450,527,610
88$789,145,572$110,604,895$60,221,640$493,931,813
89$869,463,783$115,849,897$62,064,427$541,663,364
90$957,968,950$121,346,403$63,963,446$594,159,533
91$1,055,495,970$127,106,563$65,920,409$651,902,013
92$1,162,964,892$133,143,119$67,937,076$715,421,444
93$1,281,389,607$139,469,428$70,015,264$785,302,396
94$1,411,887,416$146,099,498$72,156,844$862,188,864
95$1,555,689,577$153,048,018$74,363,743$946,790,315
96$1,714,152,932$160,330,390$76,637,947$1,039,888,364
97$1,888,772,715$167,962,762$78,981,502$1,142,344,116
98$2,081,196,665$175,962,071$81,396,516$1,255,106,266
99$2,293,240,586$184,346,074$83,885,160$1,379,220,026
100$2,526,905,486$193,133,391$86,449,672$1,515,836,951