Can I retire at age 50 with 2,600,000?

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$214,706$212,793$210,927$209,106$207,328$199,417
2 years$106,290$104,310$102,392$100,532$98,727$90,850
3 years$70,156$68,168$66,254$64,412$62,637$55,042
4 years$52,093$50,111$48,216$46,405$44,673$37,417
5 years$41,257$39,287$37,418$35,643$33,960$27,062
6 years$34,036$32,081$30,239$28,504$26,871$20,337
7 years$28,880$26,942$25,129$23,435$21,853$15,680
8 years$25,015$23,094$21,311$19,659$18,130$12,311
9 years$22,011$20,107$18,355$16,745$15,268$9,796
10 years$19,608$17,724$16,003$14,434$13,009$7,874
11 years$17,644$15,778$14,088$12,562$11,188$6,378
12 years$16,008$14,162$12,503$11,019$9,695$5,198
13 years$14,625$12,798$11,171$9,728$8,455$4,257
14 years$13,441$11,633$10,037$8,635$7,411$3,500
15 years$12,415$10,627$9,062$7,701$6,525$2,887
16 years$11,519$9,750$8,216$6,896$5,767$2,387
17 years$10,729$8,980$7,476$6,196$5,114$1,977
18 years$10,027$8,298$6,825$5,584$4,547$1,641
19 years$9,400$7,690$6,248$5,045$4,053$1,364
20 years$8,837$7,146$5,734$4,569$3,620$1,135
21 years$8,327$6,656$5,274$4,147$3,239$945
22 years$7,865$6,213$4,861$3,771$2,904$788
23 years$7,443$5,811$4,488$3,434$2,606$657
24 years$7,058$5,445$4,151$3,132$2,343$548
25 years$6,703$5,110$3,845$2,860$2,108$458
26 years$6,377$4,802$3,566$2,615$1,899$382
27 years$6,075$4,519$3,311$2,394$1,712$319
28 years$5,795$4,259$3,078$2,193$1,545$267
29 years$5,535$4,018$2,864$2,011$1,395$223
30 years$5,292$3,794$2,668$1,846$1,260$187
31 years$5,066$3,587$2,487$1,695$1,140$156
32 years$4,855$3,394$2,321$1,558$1,031$130
33 years$4,656$3,214$2,167$1,433$933$109
34 years$4,470$3,046$2,025$1,318$845$91
35 years$4,295$2,889$1,893$1,213$765$76
36 years$4,129$2,742$1,771$1,118$693$64
37 years$3,974$2,604$1,657$1,030$628$53
38 years$3,826$2,475$1,552$949$570$45
39 years$3,687$2,354$1,454$875$516$37
40 years$3,555$2,239$1,363$807$468$31
41 years$3,429$2,132$1,278$745$425$26
42 years$3,310$2,030$1,199$687$386$22
43 years$3,197$1,934$1,125$634$350$18
44 years$3,089$1,844$1,056$586$318$15
45 years$2,986$1,758$991$541$288$13
46 years$2,889$1,677$931$500$262$11
47 years$2,795$1,601$875$462$238$9
48 years$2,706$1,528$822$427$216$8
49 years$2,620$1,459$773$394$196$6
50 years$2,539$1,394$726$364$178$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $2,600,000, adding $4,718 every year, while hoping to spend $20,556 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: 80/7/13 Blend
49$2,600,000$2,600,000$2,600,000$2,600,000
50$2,870,067$2,732,267$2,691,967$3,092,125
51$3,140,942$2,844,276$2,760,276$3,350,722
52$3,438,758$2,961,085$2,830,185$3,631,307
53$3,766,240$3,082,908$2,901,725$3,938,636
54$4,126,392$3,209,966$2,974,929$4,275,377
55$4,522,524$3,342,494$3,049,829$4,644,470
56$4,958,282$3,480,736$3,126,458$5,049,150
57$5,437,682$3,624,948$3,204,850$5,492,982
58$5,965,151$3,775,396$3,285,038$5,979,894
59$6,545,565$3,932,359$3,367,056$6,514,210
60$7,184,300$4,096,132$3,450,939$7,100,693
61$7,887,274$4,267,018$3,536,721$7,744,590
62$8,661,012$4,445,338$3,624,437$8,451,681
63$9,512,703$4,631,427$3,714,123$9,228,332
64$10,450,266$4,825,634$3,805,814$10,081,557
65$11,482,430$5,028,327$3,899,545$11,019,082
66$12,618,811$5,239,888$3,995,353$12,049,417
67$13,870,005$5,460,719$4,093,274$13,181,940
68$15,247,690$5,691,238$4,193,343$14,426,980
69$16,764,732$5,931,886$4,295,597$15,795,917
70$18,435,308$6,183,121$4,400,072$17,301,290
71$20,275,040$6,445,426$4,506,806$18,956,910
72$22,301,144$6,719,302$4,615,834$20,777,997
73$24,532,590$7,005,276$4,727,193$22,781,318
74$26,990,279$7,303,900$4,840,920$24,985,347
75$29,697,248$7,615,751$4,957,050$27,410,438
76$32,678,876$7,941,432$5,075,621$30,079,017
77$35,963,135$8,281,576$5,196,667$33,015,793
78$39,580,845$8,636,843$5,320,226$36,247,992
79$43,565,970$9,007,927$5,446,332$39,805,612
80$47,955,936$9,395,552$5,575,021$43,721,706
81$52,791,985$9,800,478$5,706,328$48,032,693
82$58,119,563$10,223,498$5,840,286$52,778,703
83$63,988,753$10,665,444$5,976,930$58,003,953
84$70,454,742$11,127,186$6,116,293$63,757,165
85$77,578,344$11,609,637$6,258,408$70,092,024
86$85,426,576$12,113,750$6,403,305$77,067,687
87$94,073,288$12,640,525$6,551,017$84,749,337
88$103,599,861$13,191,007$6,701,573$93,208,802
89$114,095,973$13,766,293$6,855,002$102,525,225
90$125,660,450$14,367,529$7,011,333$112,785,821
91$138,402,194$14,995,917$7,170,590$124,086,689
92$152,441,214$15,652,713$7,332,801$136,533,724
93$167,909,757$16,339,235$7,497,989$150,243,616
94$184,953,557$17,056,862$7,666,177$165,344,949
95$203,733,210$17,807,038$7,837,384$181,979,412
96$224,425,691$18,591,277$8,011,630$200,303,142
97$247,226,023$19,411,161$8,188,931$220,488,189
98$272,349,120$20,268,351$8,369,303$242,724,145
99$300,031,813$21,164,583$8,552,758$267,219,930
100$330,535,088$22,101,677$8,739,305$294,205,765