Can I retire at age 50 with 19,100,000?

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,473,717
2 years$780,822$766,280$752,186$738,521$725,267$676,017
3 years$515,377$500,772$486,714$473,178$460,139$412,528
4 years$382,681$368,121$354,203$340,898$328,175$282,568
5 years$303,084$288,611$274,876$261,842$249,474$205,993
6 years$250,036$235,673$222,141$209,397$197,400$156,082
7 years$212,160$197,918$184,600$172,157$160,539$121,378
8 years$183,766$169,652$156,556$144,418$133,183$96,152
9 years$161,694$147,712$134,841$123,012$112,159$77,215
10 years$144,046$130,201$117,558$106,038$95,565$62,655
11 years$129,616$115,911$103,496$92,285$82,189$51,251
12 years$117,600$104,035$91,850$80,946$71,223$42,189
13 years$107,440$94,017$82,062$71,463$62,108$34,907
14 years$98,740$85,459$73,733$63,437$54,444$29,000
15 years$91,206$78,068$66,571$56,575$47,936$24,173
16 years$84,620$71,626$60,356$50,657$42,366$20,205
17 years$78,815$65,965$54,922$45,515$37,565$16,926
18 years$73,661$60,955$50,137$41,018$33,401$14,206
19 years$69,055$56,492$45,898$37,063$29,771$11,941
20 years$64,915$52,495$42,123$33,568$26,592$10,051
21 years$61,174$48,897$38,745$30,465$23,797$8,469
22 years$57,777$45,644$35,709$27,700$21,331$7,142
23 years$54,681$42,690$32,971$25,226$19,148$6,028
24 years$51,846$39,998$30,493$23,008$17,210$5,091
25 years$49,243$37,536$28,242$21,012$15,487$4,302
26 years$46,843$35,278$26,193$19,213$13,950$3,636
27 years$44,626$33,200$24,323$17,586$12,577$3,075
28 years$42,570$31,284$22,611$16,112$11,348$2,602
29 years$40,659$29,513$21,042$14,775$10,247$2,201
30 years$38,879$27,872$19,600$13,560$9,259$1,863
31 years$37,218$26,348$18,272$12,454$8,371$1,577
32 years$35,663$24,931$17,048$11,445$7,572$1,335
33 years$34,205$23,610$15,918$10,525$6,853$1,131
34 years$32,836$22,377$14,873$9,684$6,205$958
35 years$31,549$21,224$13,905$8,915$5,620$811
36 years$30,335$20,145$13,008$8,210$5,092$687
37 years$29,190$19,133$12,175$7,564$4,615$582
38 years$28,108$18,183$11,401$6,972$4,184$493
39 years$27,083$17,290$10,682$6,429$3,794$418
40 years$26,113$16,450$10,012$5,930$3,441$354
41 years$25,192$15,659$9,388$5,471$3,122$300
42 years$24,317$14,913$8,806$5,049$2,833$254
43 years$23,485$14,209$8,264$4,661$2,571$215
44 years$22,694$13,545$7,757$4,303$2,334$182
45 years$21,939$12,916$7,283$3,974$2,119$155
46 years$21,220$12,321$6,841$3,671$1,924$131
47 years$20,533$11,758$6,427$3,392$1,747$111
48 years$19,876$11,225$6,039$3,134$1,586$94
49 years$19,249$10,719$5,677$2,896$1,441$80
50 years$18,648$10,239$5,337$2,677$1,309$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $19,100,000, adding $4,060 every year, while hoping to spend $35,025 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: 41/42/17 Blend
49$19,100,000$19,100,000$19,100,000$19,100,000
50$21,052,388$20,040,088$19,744,038$21,809,795
51$23,162,465$20,984,786$20,368,197$23,291,870
52$25,486,596$21,974,600$21,012,091$24,891,260
53$28,046,578$23,011,704$21,676,345$26,621,627
54$30,866,429$24,098,378$22,361,603$28,494,940
55$33,972,616$25,237,010$23,068,528$30,524,327
56$37,394,306$26,430,106$23,797,806$32,724,190
57$41,163,637$27,680,293$24,550,145$35,110,332
58$45,316,026$28,990,325$25,326,272$37,700,097
59$49,890,499$30,363,091$26,126,942$40,512,521
60$54,930,065$31,801,617$26,952,929$43,568,508
61$60,482,115$33,309,079$27,805,035$46,891,009
62$66,598,873$34,888,806$28,684,086$50,505,233
63$73,337,889$36,544,289$29,590,934$54,438,869
64$80,762,582$38,279,187$30,526,458$58,722,338
65$88,942,836$40,097,338$31,491,566$63,389,066
66$97,955,664$42,002,767$32,487,192$68,475,785
67$107,885,932$43,999,692$33,514,303$74,022,870
68$118,827,159$46,092,539$34,573,894$80,074,697
69$130,882,402$48,285,946$35,666,992$86,680,056
70$144,165,228$50,584,778$36,794,657$93,892,587
71$158,800,786$52,994,138$37,957,983$101,771,275
72$174,926,989$55,519,373$39,158,098$110,380,987
73$192,695,812$58,166,093$40,396,165$119,793,064
74$212,274,733$60,940,180$41,673,385$130,085,978
75$233,848,309$63,847,801$42,990,996$141,346,052
76$257,619,918$66,895,425$44,350,276$153,668,249
77$283,813,682$70,089,833$45,752,543$167,157,053
78$312,676,581$73,438,139$47,199,157$181,927,427
79$344,480,784$76,947,799$48,691,520$198,105,873
80$379,526,218$80,626,635$50,231,080$215,831,606
81$418,143,400$84,482,848$51,819,329$235,257,836
82$460,696,559$88,525,040$53,457,808$256,553,188
83$507,587,069$92,762,228$55,148,107$279,903,265
84$559,257,245$97,203,872$56,891,863$305,512,368
85$616,194,512$101,859,889$58,690,768$333,605,393
86$678,936,011$106,740,682$60,546,567$364,429,921
87$748,073,666$111,857,158$62,461,060$398,258,517
88$824,259,777$117,220,756$64,436,102$435,391,269
89$908,213,174$122,843,472$66,473,611$476,158,581
90$1,000,726,002$128,737,887$68,575,561$520,924,250
91$1,102,671,204$134,917,193$70,743,992$570,088,860
92$1,215,010,757$141,395,226$72,981,007$624,093,518
93$1,338,804,759$148,186,496$75,288,775$683,423,969
94$1,475,221,430$155,306,220$77,669,534$748,615,139
95$1,625,548,146$162,770,356$80,125,595$820,256,126
96$1,791,203,594$170,595,640$82,659,338$898,995,713
97$1,973,751,157$178,799,623$85,273,223$985,548,433
98$2,174,913,682$187,400,712$87,969,783$1,080,701,258
99$2,396,589,743$196,418,212$90,751,636$1,185,320,967
100$2,640,871,559$205,872,367$93,621,478$1,300,362,260