Can I retire at age 50 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,503,020
2 years$776,734$762,268$748,248$734,655$721,470$709,306
3 years$512,679$498,150$484,166$470,701$457,730$445,846
4 years$380,677$366,193$352,349$339,113$326,457$314,945
5 years$301,497$287,100$273,437$260,471$248,167$237,061
6 years$248,727$234,439$220,978$208,301$196,366$185,679
7 years$211,050$196,881$183,634$171,256$159,698$149,435
8 years$182,804$168,764$155,736$143,662$132,485$122,646
9 years$160,847$146,939$134,135$122,368$111,572$102,154
10 years$143,292$129,520$116,942$105,483$95,065$86,063
11 years$128,937$115,304$102,954$91,802$81,759$73,167
12 years$116,984$103,490$91,369$80,522$70,850$62,660
13 years$106,878$93,525$81,632$71,089$61,783$53,985
14 years$98,223$85,012$73,347$63,105$54,159$46,744
15 years$90,728$77,660$66,222$56,279$47,686$40,643
16 years$84,177$71,251$60,040$50,391$42,145$35,464
17 years$78,403$65,620$54,634$45,276$37,368$31,038
18 years$73,276$60,636$49,874$40,803$33,226$27,235
19 years$68,694$56,197$45,657$36,869$29,615$23,951
20 years$64,575$52,221$41,902$33,392$26,453$21,103
21 years$60,853$48,641$38,542$30,305$23,672$18,625
22 years$57,475$45,405$35,522$27,554$21,219$16,462
23 years$54,394$42,466$32,798$25,094$19,047$14,569
24 years$51,575$39,788$30,333$22,888$17,120$12,908
25 years$48,985$37,339$28,094$20,902$15,406$11,447
26 years$46,598$35,093$26,056$19,112$13,877$10,161
27 years$44,392$33,026$24,195$17,494$12,511$9,026
28 years$42,347$31,121$22,493$16,028$11,289$8,023
29 years$40,446$29,359$20,931$14,698$10,194$7,136
30 years$38,676$27,726$19,497$13,489$9,211$6,350
31 years$37,023$26,211$18,176$12,389$8,327$5,653
32 years$35,476$24,800$16,959$11,385$7,533$5,035
33 years$34,026$23,486$15,835$10,470$6,817$4,486
34 years$32,665$22,260$14,795$9,633$6,172$3,998
35 years$31,384$21,113$13,832$8,868$5,590$3,565
36 years$30,176$20,039$12,940$8,167$5,065$3,179
37 years$29,037$19,033$12,111$7,525$4,591$2,835
38 years$27,961$18,088$11,342$6,936$4,162$2,530
39 years$26,942$17,200$10,626$6,395$3,774$2,257
40 years$25,976$16,364$9,960$5,899$3,423$2,015
41 years$25,060$15,577$9,339$5,442$3,106$1,798
42 years$24,190$14,835$8,760$5,023$2,818$1,605
43 years$23,362$14,135$8,220$4,636$2,558$1,433
44 years$22,575$13,474$7,716$4,281$2,321$1,280
45 years$21,824$12,848$7,245$3,954$2,107$1,143
46 years$21,108$12,257$6,805$3,652$1,913$1,020
47 years$20,425$11,697$6,393$3,374$1,738$911
48 years$19,772$11,166$6,008$3,118$1,578$814
49 years$19,148$10,663$5,647$2,881$1,433$727
50 years$18,551$10,186$5,309$2,663$1,302$650

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $19,000,000, adding $3,461 every year, while hoping to spend $50,374 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: 55/28/17 Blend
49$19,000,000$19,000,000$19,000,000$19,000,000
50$20,941,570$19,934,570$19,640,070$21,998,260
51$23,024,013$20,857,766$20,244,415$23,642,087
52$25,317,176$21,824,511$20,867,317$25,425,494
53$27,842,501$22,836,885$21,509,345$27,366,380
54$30,623,612$23,897,068$22,171,084$29,479,809
55$33,686,544$25,007,348$22,853,139$31,782,337
56$37,059,983$26,170,120$23,556,131$34,292,164
57$40,775,542$27,387,896$24,280,702$37,029,302
58$44,868,054$28,663,310$25,027,512$40,015,753
59$49,375,905$29,999,122$25,797,243$43,275,712
60$54,341,392$31,398,224$26,590,596$46,835,790
61$59,811,128$32,863,650$27,408,294$50,725,255
62$65,836,474$34,398,581$28,251,083$54,976,305
63$72,474,031$36,006,348$29,119,731$59,624,358
64$79,786,169$37,690,446$30,015,029$64,708,383
65$87,841,619$39,454,538$30,937,793$70,271,256
66$96,716,118$41,302,464$31,888,863$76,360,157
67$106,493,127$43,238,250$32,869,105$83,027,009
68$117,264,619$45,266,117$33,879,413$90,328,950
69$129,131,942$47,390,489$34,920,705$98,328,871
70$142,206,782$49,616,004$35,993,930$107,095,993
71$156,612,211$51,947,526$37,100,065$116,706,511
72$172,483,856$54,390,154$38,240,116$127,244,301
73$189,971,169$56,949,232$39,415,120$138,801,701
74$209,238,849$59,630,364$40,626,147$151,480,368
75$230,468,386$62,439,427$41,874,297$165,392,222
76$253,859,782$65,382,580$43,160,707$180,660,494
77$279,633,435$68,466,281$44,486,546$197,420,870
78$308,032,218$71,697,302$45,853,018$215,822,756
79$339,323,777$75,082,742$47,261,367$236,030,676
80$373,803,052$78,630,046$48,712,872$258,225,804
81$411,795,063$82,347,018$50,208,853$282,607,660
82$453,657,977$86,241,840$51,750,668$309,395,973
83$499,786,494$90,323,093$53,339,718$338,832,734
84$550,615,564$94,599,772$54,977,446$371,184,464
85$606,624,501$99,081,310$56,665,340$406,744,707
86$668,341,503$103,777,598$58,404,932$445,836,780
87$736,348,641$108,699,004$60,197,802$488,816,797
88$811,287,350$113,856,404$62,045,576$536,077,014
89$893,864,489$119,261,196$63,949,932$588,049,501
90$984,859,009$124,925,338$65,912,597$645,210,196
91$1,085,129,312$130,861,363$67,935,353$708,083,371
92$1,195,621,348$137,082,415$70,020,033$777,246,551
93$1,317,377,550$143,602,278$72,168,529$853,335,933
94$1,451,546,674$150,435,404$74,382,788$937,052,368
95$1,599,394,641$157,596,945$76,664,818$1,029,167,935
96$1,762,316,493$165,102,794$79,016,688$1,130,533,198
97$1,941,849,557$172,969,613$81,440,529$1,242,085,201
98$2,139,687,962$181,214,874$83,938,537$1,364,856,275
99$2,357,698,632$189,856,901$86,512,976$1,499,983,742
100$2,597,938,909$198,914,905$89,166,177$1,648,720,610