Can I retire at age 50 with 2,500,000?

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$206,448$204,609$202,815$201,063$199,354$198,430
2 years$102,202$100,298$98,454$96,665$94,930$93,998
3 years$67,458$65,546$63,706$61,934$60,228$59,316
4 years$50,089$48,183$46,362$44,620$42,955$42,070
5 years$39,671$37,776$35,979$34,273$32,654$31,799
6 years$32,727$30,847$29,076$27,408$25,838$25,014
7 years$27,770$25,905$24,162$22,534$21,013$20,220
8 years$24,053$22,206$20,492$18,903$17,432$16,671
9 years$21,164$19,334$17,649$16,101$14,680$13,950
10 years$18,854$17,042$15,387$13,879$12,509$11,809
11 years$16,965$15,172$13,547$12,079$10,758$10,089
12 years$15,393$13,617$12,022$10,595$9,322$8,684
13 years$14,063$12,306$10,741$9,354$8,129$7,520
14 years$12,924$11,186$9,651$8,303$7,126$6,545
15 years$11,938$10,218$8,713$7,405$6,274$5,721
16 years$11,076$9,375$7,900$6,630$5,545$5,020
17 years$10,316$8,634$7,189$5,957$4,917$4,417
18 years$9,642$7,978$6,562$5,369$4,372$3,898
19 years$9,039$7,394$6,008$4,851$3,897$3,448
20 years$8,497$6,871$5,513$4,394$3,481$3,055
21 years$8,007$6,400$5,071$3,988$3,115$2,713
22 years$7,562$5,974$4,674$3,626$2,792$2,412
23 years$7,157$5,588$4,316$3,302$2,506$2,147
24 years$6,786$5,235$3,991$3,012$2,253$1,914
25 years$6,445$4,913$3,697$2,750$2,027$1,708
26 years$6,131$4,617$3,428$2,515$1,826$1,526
27 years$5,841$4,346$3,184$2,302$1,646$1,364
28 years$5,572$4,095$2,960$2,109$1,485$1,220
29 years$5,322$3,863$2,754$1,934$1,341$1,092
30 years$5,089$3,648$2,565$1,775$1,212$978
31 years$4,871$3,449$2,392$1,630$1,096$876
32 years$4,668$3,263$2,231$1,498$991$786
33 years$4,477$3,090$2,084$1,378$897$705
34 years$4,298$2,929$1,947$1,268$812$632
35 years$4,129$2,778$1,820$1,167$736$568
36 years$3,971$2,637$1,703$1,075$666$510
37 years$3,821$2,504$1,594$990$604$458
38 years$3,679$2,380$1,492$913$548$411
39 years$3,545$2,263$1,398$841$497$369
40 years$3,418$2,153$1,310$776$450$332
41 years$3,297$2,050$1,229$716$409$298
42 years$3,183$1,952$1,153$661$371$268
43 years$3,074$1,860$1,082$610$337$241
44 years$2,970$1,773$1,015$563$305$217
45 years$2,872$1,691$953$520$277$195
46 years$2,777$1,613$895$481$252$175
47 years$2,688$1,539$841$444$229$158
48 years$2,602$1,469$791$410$208$142
49 years$2,519$1,403$743$379$189$127
50 years$2,441$1,340$699$350$171$115

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $2,500,000, adding $6,886 every year, while hoping to spend $32,693 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: 48/32/20 Blend
49$2,500,000$2,500,000$2,500,000$2,500,000
50$2,762,103$2,629,603$2,590,853$2,878,770
51$3,009,052$2,723,668$2,642,861$3,054,710
52$3,280,095$2,821,247$2,695,516$3,241,798
53$3,577,653$2,922,477$2,748,805$3,444,271
54$3,904,397$3,027,502$2,802,713$3,663,586
55$4,263,266$3,136,470$2,857,225$3,901,345
56$4,657,499$3,249,537$2,912,322$4,159,310
57$5,090,665$3,366,865$2,967,985$4,439,419
58$5,566,693$3,488,622$3,024,193$4,743,803
59$6,089,915$3,614,984$3,080,923$5,074,806
60$6,665,102$3,746,133$3,138,149$5,435,010
61$7,297,508$3,882,260$3,195,843$5,827,252
62$7,992,927$4,023,563$3,253,976$6,254,655
63$8,757,736$4,170,248$3,312,516$6,720,659
64$9,598,967$4,322,532$3,371,426$7,229,045
65$10,524,363$4,480,637$3,430,670$7,783,978
66$11,542,458$4,644,799$3,490,208$8,390,042
67$12,662,653$4,815,259$3,549,995$9,052,283
68$13,895,310$4,992,272$3,609,985$9,776,257
69$15,251,840$5,176,102$3,670,129$10,568,080
70$16,744,822$5,367,025$3,730,372$11,434,485
71$18,388,112$5,565,328$3,790,658$12,382,889
72$20,196,981$5,771,311$3,850,927$13,421,455
73$22,188,253$5,985,285$3,911,112$14,559,175
74$24,380,467$6,207,576$3,971,147$15,805,951
75$26,794,050$6,438,523$4,030,956$17,172,687
76$29,451,513$6,678,480$4,090,462$18,671,391
77$32,377,657$6,927,815$4,149,583$20,315,291
78$35,599,814$7,186,914$4,208,229$22,118,955
79$39,148,099$7,456,177$4,266,309$24,098,428
80$43,055,698$7,736,023$4,323,724$26,271,384
81$47,359,179$8,026,887$4,380,368$28,657,291
82$52,098,837$8,329,226$4,436,132$31,277,594
83$57,319,074$8,643,514$4,490,898$34,155,915
84$63,068,819$8,970,246$4,544,542$37,318,277
85$69,401,988$9,309,938$4,596,935$40,793,345
86$76,377,996$9,663,130$4,647,937$44,612,700
87$84,062,312$10,030,384$4,697,404$48,811,132
88$92,527,082$10,412,287$4,745,181$53,426,968
89$101,851,807$10,809,451$4,791,106$58,502,434
90$112,124,092$11,222,515$4,835,010$64,084,048
91$123,440,478$11,652,147$4,876,711$70,223,064
92$135,907,347$12,099,042$4,916,021$76,975,949
93$149,641,929$12,563,927$4,952,740$84,404,914
94$164,773,406$13,047,561$4,986,658$92,578,505
95$181,444,137$13,550,735$5,017,554$101,572,243
96$199,810,993$14,074,275$5,045,196$111,469,337
97$220,046,845$14,619,044$5,069,341$122,361,467
98$242,342,190$15,185,944$5,089,730$134,349,650
99$266,906,953$15,775,915$5,106,096$147,545,187
100$293,972,466$16,389,939$5,118,154$162,070,716