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

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 $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%15.3%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,482,074
2 years$776,734$762,268$748,248$734,655$721,470$688,376
3 years$512,679$498,150$484,166$470,701$457,730$425,589
4 years$380,677$366,193$352,349$339,113$326,457$295,515
5 years$301,497$287,100$273,437$260,471$248,167$218,513
6 years$248,727$234,439$220,978$208,301$196,366$168,030
7 years$211,050$196,881$183,634$171,256$159,698$132,686
8 years$182,804$168,764$155,736$143,662$132,485$106,787
9 years$160,847$146,939$134,135$122,368$111,572$87,170
10 years$143,292$129,520$116,942$105,483$95,065$71,933
11 years$128,937$115,304$102,954$91,802$81,759$59,868
12 years$116,984$103,490$91,369$80,522$70,850$50,166
13 years$106,878$93,525$81,632$71,089$61,783$42,268
14 years$98,223$85,012$73,347$63,105$54,159$35,774
15 years$90,728$77,660$66,222$56,279$47,686$30,391
16 years$84,177$71,251$60,040$50,391$42,145$25,898
17 years$78,403$65,620$54,634$45,276$37,368$22,126
18 years$73,276$60,636$49,874$40,803$33,226$18,944
19 years$68,694$56,197$45,657$36,869$29,615$16,250
20 years$64,575$52,221$41,902$33,392$26,453$13,961
21 years$60,853$48,641$38,542$30,305$23,672$12,010
22 years$57,475$45,405$35,522$27,554$21,219$10,344
23 years$54,394$42,466$32,798$25,094$19,047$8,917
24 years$51,575$39,788$30,333$22,888$17,120$7,694
25 years$48,985$37,339$28,094$20,902$15,406$6,643
26 years$46,598$35,093$26,056$19,112$13,877$5,739
27 years$44,392$33,026$24,195$17,494$12,511$4,961
28 years$42,347$31,121$22,493$16,028$11,289$4,290
29 years$40,446$29,359$20,931$14,698$10,194$3,712
30 years$38,676$27,726$19,497$13,489$9,211$3,212
31 years$37,023$26,211$18,176$12,389$8,327$2,781
32 years$35,476$24,800$16,959$11,385$7,533$2,408
33 years$34,026$23,486$15,835$10,470$6,817$2,085
34 years$32,665$22,260$14,795$9,633$6,172$1,806
35 years$31,384$21,113$13,832$8,868$5,590$1,565
36 years$30,176$20,039$12,940$8,167$5,065$1,356
37 years$29,037$19,033$12,111$7,525$4,591$1,175
38 years$27,961$18,088$11,342$6,936$4,162$1,019
39 years$26,942$17,200$10,626$6,395$3,774$883
40 years$25,976$16,364$9,960$5,899$3,423$765
41 years$25,060$15,577$9,339$5,442$3,106$663
42 years$24,190$14,835$8,760$5,023$2,818$575
43 years$23,362$14,135$8,220$4,636$2,558$499
44 years$22,575$13,474$7,716$4,281$2,321$432
45 years$21,824$12,848$7,245$3,954$2,107$375
46 years$21,108$12,257$6,805$3,652$1,913$325
47 years$20,425$11,697$6,393$3,374$1,738$282
48 years$19,772$11,166$6,008$3,118$1,578$244
49 years$19,148$10,663$5,647$2,881$1,433$212
50 years$18,551$10,186$5,309$2,663$1,302$184

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 $3,544 every year, while hoping to spend $48,363 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$19,000,000$19,000,000$19,000,000$19,000,000
50$20,941,656$19,934,656$19,640,156$21,902,309
51$23,026,247$20,859,996$20,246,643$23,488,711
52$25,321,845$21,829,057$20,871,827$25,206,414
53$27,849,922$22,843,930$21,516,282$27,072,024
54$30,634,139$23,906,807$22,180,602$29,099,475
55$33,700,567$25,019,986$22,865,398$31,304,071
56$37,077,935$26,185,876$23,571,299$33,702,625
57$40,797,903$27,407,002$24,298,956$36,313,606
58$44,895,354$28,686,010$25,049,036$39,157,314
59$49,408,731$30,025,676$25,822,230$42,256,055
60$54,380,396$31,428,908$26,619,249$45,634,349
61$59,857,028$32,898,756$27,440,825$49,319,149
62$65,890,065$34,438,416$28,287,714$53,340,090
63$72,536,193$36,051,239$29,160,693$57,729,755
64$79,857,874$37,740,739$30,060,565$62,523,975
65$87,923,940$39,510,599$30,988,158$67,762,159
66$96,810,243$41,364,679$31,944,322$73,487,651
67$106,600,368$43,307,029$32,929,937$79,748,127
68$117,386,424$45,341,891$33,945,907$86,596,038
69$129,269,910$47,473,715$34,993,167$94,089,091
70$142,362,680$49,707,165$36,072,676$102,290,777
71$156,787,990$52,047,133$37,185,428$111,270,960
72$172,681,667$54,498,745$38,332,442$121,106,522
73$190,193,391$57,067,377$39,514,773$131,882,073
74$209,488,103$59,758,666$40,733,504$143,690,735
75$230,747,569$62,578,519$41,989,755$156,635,002
76$254,172,088$65,533,133$43,284,679$170,827,694
77$279,982,388$68,629,004$44,619,463$186,393,000
78$308,421,708$71,872,942$45,995,331$203,467,637
79$339,758,094$75,272,088$47,413,547$222,202,115
80$374,286,929$78,833,929$48,875,410$242,762,141
81$412,333,720$82,566,316$50,382,261$265,330,160
82$454,257,174$86,477,481$51,935,481$290,107,056
83$500,452,581$90,576,052$53,536,495$317,314,023
84$551,355,546$94,871,081$55,186,770$347,194,631
85$607,446,103$99,372,055$56,887,818$380,017,096
86$669,253,245$104,088,925$58,641,198$416,076,787
87$737,359,915$109,032,121$60,448,518$455,698,988
88$812,408,515$114,212,584$62,311,432$499,241,934
89$895,106,966$119,641,783$64,231,647$547,100,166
90$986,235,391$125,331,745$66,210,922$599,708,220
91$1,086,653,482$131,295,082$68,251,069$657,544,699
92$1,197,308,615$137,545,018$70,353,957$721,136,752
93$1,319,244,790$144,095,420$72,521,511$791,065,012
94$1,453,612,491$150,960,829$74,755,715$867,969,044
95$1,601,679,547$158,156,492$77,058,613$952,553,337
96$1,764,843,099$165,698,397$79,432,314$1,045,593,912
97$1,944,642,788$173,603,312$81,878,990$1,147,945,604
98$2,142,775,294$181,888,816$84,400,878$1,260,550,088
99$2,361,110,353$190,573,347$87,000,287$1,384,444,714
100$2,601,708,406$199,676,238$89,679,593$1,520,772,252