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

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,494,143
2 years$780,822$766,280$752,186$738,521$725,267$696,246
3 years$515,377$500,772$486,714$473,178$460,139$431,919
4 years$382,681$368,121$354,203$340,898$328,175$300,973
5 years$303,084$288,611$274,876$261,842$249,474$223,367
6 years$250,036$235,673$222,141$209,397$197,400$172,418
7 years$212,160$197,918$184,600$172,157$160,539$136,689
8 years$183,766$169,652$156,556$144,418$133,183$110,457
9 years$161,694$147,712$134,841$123,012$112,159$90,544
10 years$144,046$130,201$117,558$106,038$95,565$75,041
11 years$129,616$115,911$103,496$92,285$82,189$62,731
12 years$117,600$104,035$91,850$80,946$71,223$52,805
13 years$107,440$94,017$82,062$71,463$62,108$44,699
14 years$98,740$85,459$73,733$63,437$54,444$38,012
15 years$91,206$78,068$66,571$56,575$47,936$32,449
16 years$84,620$71,626$60,356$50,657$42,366$27,788
17 years$78,815$65,965$54,922$45,515$37,565$23,861
18 years$73,661$60,955$50,137$41,018$33,401$20,535
19 years$69,055$56,492$45,898$37,063$29,771$17,706
20 years$64,915$52,495$42,123$33,568$26,592$15,292
21 years$61,174$48,897$38,745$30,465$23,797$13,226
22 years$57,777$45,644$35,709$27,700$21,331$11,453
23 years$54,681$42,690$32,971$25,226$19,148$9,927
24 years$51,846$39,998$30,493$23,008$17,210$8,613
25 years$49,243$37,536$28,242$21,012$15,487$7,478
26 years$46,843$35,278$26,193$19,213$13,950$6,497
27 years$44,626$33,200$24,323$17,586$12,577$5,648
28 years$42,570$31,284$22,611$16,112$11,348$4,912
29 years$40,659$29,513$21,042$14,775$10,247$4,274
30 years$38,879$27,872$19,600$13,560$9,259$3,720
31 years$37,218$26,348$18,272$12,454$8,371$3,239
32 years$35,663$24,931$17,048$11,445$7,572$2,821
33 years$34,205$23,610$15,918$10,525$6,853$2,458
34 years$32,836$22,377$14,873$9,684$6,205$2,141
35 years$31,549$21,224$13,905$8,915$5,620$1,866
36 years$30,335$20,145$13,008$8,210$5,092$1,627
37 years$29,190$19,133$12,175$7,564$4,615$1,418
38 years$28,108$18,183$11,401$6,972$4,184$1,236
39 years$27,083$17,290$10,682$6,429$3,794$1,078
40 years$26,113$16,450$10,012$5,930$3,441$940
41 years$25,192$15,659$9,388$5,471$3,122$820
42 years$24,317$14,913$8,806$5,049$2,833$715
43 years$23,485$14,209$8,264$4,661$2,571$624
44 years$22,694$13,545$7,757$4,303$2,334$544
45 years$21,939$12,916$7,283$3,974$2,119$475
46 years$21,220$12,321$6,841$3,671$1,924$414
47 years$20,533$11,758$6,427$3,392$1,747$361
48 years$19,876$11,225$6,039$3,134$1,586$315
49 years$19,249$10,719$5,677$2,896$1,441$275
50 years$18,648$10,239$5,337$2,677$1,309$240

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 $6,483 every year, while hoping to spend $32,627 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: 32/41/27 Blend
49$19,100,000$19,100,000$19,100,000$19,100,000
50$21,054,887$20,042,587$19,746,537$21,554,671
51$23,167,771$20,989,959$20,373,331$22,884,675
52$25,495,075$21,982,659$21,020,030$24,312,851
53$28,058,636$23,022,873$21,687,264$25,850,509
54$30,882,517$24,112,894$22,375,688$27,507,303
55$33,993,234$25,255,125$23,085,973$29,293,804
56$37,420,006$26,452,089$23,818,815$31,221,595
57$41,195,032$27,706,426$24,574,931$33,303,367
58$45,353,793$29,020,909$25,355,059$35,553,031
59$49,935,389$30,398,443$26,159,963$37,985,837
60$54,982,907$31,842,074$26,990,429$40,618,509
61$60,543,825$33,354,998$27,847,271$43,469,392
62$66,670,467$34,940,564$28,731,325$46,558,610
63$73,420,487$36,602,284$29,643,458$49,908,247
64$80,857,423$38,343,843$30,584,560$53,542,543
65$89,051,290$40,169,101$31,555,553$57,488,105
66$98,079,244$42,082,109$32,557,385$61,774,149
67$108,026,307$44,087,113$33,591,038$66,432,757
68$118,986,175$46,188,565$34,657,523$71,499,167
69$131,062,097$48,391,137$35,757,881$77,012,088
70$144,367,851$50,699,723$36,893,191$83,014,049
71$159,028,821$53,119,459$38,064,562$89,551,785
72$175,183,177$55,655,729$39,273,141$96,676,655
73$192,983,180$58,314,178$40,520,110$104,445,110
74$212,596,619$61,100,728$41,806,689$112,919,208
75$234,208,398$64,021,587$43,134,137$122,167,173
76$258,022,276$67,083,267$44,503,752$132,264,024
77$284,262,796$70,292,594$45,916,875$143,292,252
78$313,177,399$73,656,729$47,374,888$155,342,581
79$345,038,765$77,183,181$48,879,219$168,514,797
80$380,147,385$80,879,822$50,431,338$182,918,661
81$418,834,396$84,754,911$52,032,766$198,674,922
82$461,464,710$88,817,107$53,685,069$215,916,424
83$508,440,455$93,075,490$55,389,863$234,789,330
84$560,204,776$97,539,584$57,148,819$255,454,472
85$617,246,015$102,219,375$58,963,656$278,088,835
86$680,102,322$107,125,338$60,836,151$302,887,193
87$749,366,734$112,268,454$62,768,137$330,063,909
88$825,692,776$117,660,244$64,761,505$359,854,925
89$909,800,629$123,312,786$66,818,206$392,519,945
90$1,002,483,930$129,238,749$68,940,253$428,344,848
91$1,104,617,263$135,451,419$71,129,722$467,644,341
92$1,217,164,414$141,964,729$73,388,759$510,764,884
93$1,341,187,475$148,793,292$75,719,572$558,087,915
94$1,477,856,865$155,952,431$78,124,446$610,033,399
95$1,628,462,383$163,458,218$80,605,733$667,063,740
96$1,794,425,384$171,327,508$83,165,862$729,688,092
97$1,977,312,195$179,577,979$85,807,341$798,467,106
98$2,178,848,908$188,228,168$88,532,756$874,018,167
99$2,400,937,667$197,297,519$91,344,774$957,021,154
100$2,645,674,634$206,806,423$94,246,149$1,048,224,796