Can I retire at age 50 with 2,110,000?

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 $2,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$174,242$172,690$171,176$169,698$168,254$164,992
2 years$86,258$84,652$83,095$81,585$80,121$76,848
3 years$56,934$55,321$53,768$52,273$50,832$47,650
4 years$42,275$40,667$39,129$37,659$36,254$33,187
5 years$33,482$31,883$30,366$28,926$27,560$24,617
6 years$27,622$26,035$24,540$23,132$21,807$18,991
7 years$23,438$21,864$20,393$19,018$17,735$15,047
8 years$20,301$18,742$17,295$15,954$14,713$12,153
9 years$17,862$16,318$14,896$13,589$12,390$9,956
10 years$15,913$14,383$12,987$11,714$10,557$8,246
11 years$14,319$12,805$11,433$10,195$9,080$6,889
12 years$12,991$11,493$10,147$8,942$7,868$5,795
13 years$11,869$10,386$9,065$7,895$6,861$4,902
14 years$10,908$9,441$8,145$7,008$6,014$4,166
15 years$10,076$8,624$7,354$6,250$5,296$3,554
16 years$9,348$7,913$6,668$5,596$4,680$3,041
17 years$8,707$7,287$6,067$5,028$4,150$2,610
18 years$8,137$6,734$5,539$4,531$3,690$2,244
19 years$7,629$6,241$5,070$4,094$3,289$1,934
20 years$7,171$5,799$4,653$3,708$2,938$1,669
21 years$6,758$5,402$4,280$3,365$2,629$1,442
22 years$6,383$5,042$3,945$3,060$2,356$1,248
23 years$6,041$4,716$3,642$2,787$2,115$1,081
24 years$5,728$4,419$3,369$2,542$1,901$937
25 years$5,440$4,147$3,120$2,321$1,711$813
26 years$5,175$3,897$2,894$2,122$1,541$706
27 years$4,930$3,668$2,687$1,943$1,389$613
28 years$4,703$3,456$2,498$1,780$1,254$533
29 years$4,492$3,260$2,324$1,632$1,132$463
30 years$4,295$3,079$2,165$1,498$1,023$403
31 years$4,111$2,911$2,019$1,376$925$350
32 years$3,940$2,754$1,883$1,264$837$305
33 years$3,779$2,608$1,758$1,163$757$265
34 years$3,627$2,472$1,643$1,070$685$231
35 years$3,485$2,345$1,536$985$621$201
36 years$3,351$2,225$1,437$907$562$175
37 years$3,225$2,114$1,345$836$510$153
38 years$3,105$2,009$1,260$770$462$133
39 years$2,992$1,910$1,180$710$419$116
40 years$2,885$1,817$1,106$655$380$101
41 years$2,783$1,730$1,037$604$345$88
42 years$2,686$1,647$973$558$313$77
43 years$2,594$1,570$913$515$284$67
44 years$2,507$1,496$857$475$258$58
45 years$2,424$1,427$805$439$234$51
46 years$2,344$1,361$756$406$212$44
47 years$2,268$1,299$710$375$193$39
48 years$2,196$1,240$667$346$175$34
49 years$2,126$1,184$627$320$159$29
50 years$2,060$1,131$590$296$145$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $2,110,000, adding $2,449 every year, while hoping to spend $47,346 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: 45/28/27 Blend
49$2,110,000$2,110,000$2,110,000$2,110,000
50$2,327,746$2,215,916$2,183,211$2,414,229
51$2,514,800$2,274,120$2,205,973$2,534,069
52$2,719,348$2,333,590$2,227,910$2,659,202
53$2,943,122$2,394,336$2,248,946$2,793,996
54$3,188,032$2,456,371$2,268,998$2,939,379
55$3,456,182$2,519,703$2,287,980$3,096,373
56$3,749,887$2,584,343$2,305,801$3,266,104
57$4,071,696$2,650,297$2,322,367$3,449,811
58$4,424,419$2,717,571$2,337,576$3,648,861
59$4,811,148$2,786,171$2,351,323$3,864,760
60$5,235,290$2,856,097$2,363,497$4,099,168
61$5,700,596$2,927,353$2,373,981$4,353,912
62$6,211,200$2,999,936$2,382,652$4,631,008
63$6,771,653$3,073,844$2,389,382$4,932,676
64$7,386,970$3,149,071$2,394,035$5,261,364
65$8,062,675$3,225,609$2,396,469$5,619,769
66$8,804,852$3,303,448$2,396,534$6,010,864
67$9,620,204$3,382,574$2,394,076$6,437,925
68$10,516,116$3,462,972$2,388,928$6,904,565
69$11,500,722$3,544,620$2,380,920$7,414,763
70$12,582,985$3,627,495$2,369,870$7,972,906
71$13,772,778$3,711,571$2,355,589$8,583,831
72$15,080,980$3,796,816$2,337,879$9,252,867
73$16,519,574$3,883,195$2,316,533$9,985,889
74$18,101,766$3,970,666$2,291,332$10,789,374
75$19,842,103$4,059,186$2,262,048$11,670,458
76$21,756,614$4,148,702$2,228,443$12,637,008
77$23,862,959$4,239,159$2,190,267$13,697,698
78$26,180,597$4,330,495$2,147,257$14,862,084
79$28,730,969$4,422,639$2,099,141$16,140,703
80$31,537,697$4,515,518$2,045,631$17,545,168
81$34,626,810$4,609,046$1,986,428$19,088,278
82$38,026,989$4,703,134$1,921,218$20,784,142
83$41,769,837$4,797,682$1,849,673$22,648,311
84$45,890,173$4,892,582$1,771,451$24,697,927
85$50,426,369$4,987,716$1,686,192$26,951,881
86$55,420,701$5,082,957$1,593,522$29,430,998
87$60,919,757$5,178,166$1,493,049$32,158,231
88$66,974,869$5,273,194$1,384,364$35,158,877
89$73,642,605$5,367,879$1,267,038$38,460,822
90$80,985,292$5,462,047$1,140,626$42,094,799
91$89,071,615$5,555,510$1,004,660$46,094,683
92$97,977,256$5,648,066$858,652$50,497,811
93$107,785,613$5,739,499$702,094$55,345,332
94$118,588,585$5,829,573$534,454$60,682,604
95$130,487,438$5,918,040$355,175$66,559,617
96$143,593,763$6,004,630$163,680$73,031,467
97$158,030,526$6,089,057$0$80,158,882
98$173,933,231$6,171,012$0$88,020,511
99$191,451,194$6,250,165$0$96,729,483
100$210,748,959$6,326,165$0$106,320,088