Can I retire at age 50 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$338,574$335,558$332,616$329,744$326,940$318,390
2 years$167,611$164,489$161,464$158,531$155,686$147,130
3 years$110,631$107,496$104,478$101,572$98,773$90,480
4 years$82,146$79,021$76,033$73,177$70,446$62,479
5 years$65,060$61,953$59,005$56,207$53,552$45,932
6 years$53,673$50,589$47,685$44,949$42,374$35,109
7 years$45,542$42,485$39,626$36,955$34,461$27,552
8 years$39,447$36,417$33,606$31,001$28,589$22,033
9 years$34,709$31,708$28,945$26,406$24,076$17,866
10 years$30,921$27,949$25,235$22,762$20,514$14,643
11 years$27,823$24,881$22,216$19,810$17,643$12,102
12 years$25,244$22,332$19,716$17,376$15,289$10,068
13 years$23,063$20,182$17,615$15,340$13,332$8,421
14 years$21,195$18,345$15,827$13,617$11,687$7,074
15 years$19,578$16,758$14,290$12,144$10,290$5,963
16 years$18,165$15,375$12,956$10,874$9,094$5,042
17 years$16,918$14,160$11,790$9,770$8,064$4,273
18 years$15,812$13,085$10,762$8,805$7,170$3,629
19 years$14,823$12,127$9,852$7,956$6,391$3,088
20 years$13,935$11,269$9,042$7,206$5,708$2,631
21 years$13,132$10,496$8,317$6,540$5,108$2,244
22 years$12,402$9,798$7,665$5,946$4,579$1,916
23 years$11,738$9,164$7,078$5,415$4,110$1,638
24 years$11,129$8,586$6,546$4,939$3,694$1,401
25 years$10,570$8,057$6,062$4,510$3,324$1,199
26 years$10,055$7,573$5,623$4,124$2,994$1,027
27 years$9,579$7,127$5,221$3,775$2,700$880
28 years$9,138$6,716$4,854$3,459$2,436$754
29 years$8,728$6,335$4,517$3,172$2,200$646
30 years$8,346$5,983$4,207$2,911$1,988$554
31 years$7,989$5,656$3,922$2,673$1,797$476
32 years$7,655$5,352$3,660$2,457$1,625$408
33 years$7,342$5,068$3,417$2,259$1,471$350
34 years$7,049$4,803$3,193$2,079$1,332$301
35 years$6,772$4,556$2,985$1,914$1,206$258
36 years$6,512$4,324$2,792$1,762$1,093$221
37 years$6,266$4,107$2,614$1,624$991$190
38 years$6,034$3,903$2,447$1,497$898$163
39 years$5,814$3,712$2,293$1,380$814$140
40 years$5,605$3,531$2,149$1,273$739$120
41 years$5,408$3,361$2,015$1,174$670$103
42 years$5,220$3,201$1,890$1,084$608$89
43 years$5,041$3,050$1,774$1,000$552$76
44 years$4,871$2,907$1,665$924$501$66
45 years$4,709$2,773$1,563$853$455$56
46 years$4,555$2,645$1,468$788$413$48
47 years$4,408$2,524$1,380$728$375$42
48 years$4,267$2,410$1,296$673$341$36
49 years$4,132$2,301$1,219$622$309$31
50 years$4,003$2,198$1,146$575$281$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $4,100,000, adding $4,168 every year, while hoping to spend $43,461 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: 38/46/16 Blend
49$4,100,000$4,100,000$4,100,000$4,100,000
50$4,522,499$4,305,199$4,241,649$4,672,385
51$4,937,552$4,469,912$4,337,502$4,944,892
52$5,393,484$4,641,239$4,435,110$5,234,728
53$5,894,418$4,819,458$4,534,485$5,547,030
54$6,444,897$5,004,860$4,635,639$5,883,843
55$7,049,927$5,197,749$4,738,583$6,247,411
56$7,715,020$5,398,440$4,843,327$6,640,197
57$8,446,253$5,607,263$4,949,878$7,064,907
58$9,250,316$5,824,565$5,058,245$7,524,509
59$10,134,584$6,050,705$5,168,432$8,022,268
60$11,107,181$6,286,058$5,280,443$8,561,767
61$12,177,057$6,531,018$5,394,282$9,146,944
62$13,354,074$6,785,995$5,509,947$9,782,127
63$14,649,097$7,051,417$5,627,439$10,472,073
64$16,074,100$7,327,732$5,746,753$11,222,010
65$17,642,273$7,615,406$5,867,884$12,037,688
66$19,368,152$7,914,927$5,990,824$12,925,427
67$21,267,750$8,226,805$6,115,564$13,892,178
68$23,358,715$8,551,573$6,242,090$14,945,586
69$25,660,490$8,889,786$6,370,386$16,094,058
70$28,194,501$9,242,027$6,500,435$17,346,845
71$30,984,355$9,608,901$6,632,214$18,714,122
72$34,056,065$9,991,043$6,765,700$20,207,084
73$37,438,297$10,389,117$6,900,863$21,838,051
74$41,162,634$10,803,815$7,037,673$23,620,577
75$45,263,880$11,235,860$7,176,093$25,569,582
76$49,780,388$11,686,009$7,316,084$27,701,483
77$54,754,417$12,155,052$7,457,602$30,034,351
78$60,232,534$12,643,816$7,600,598$32,588,079
79$66,266,053$13,153,164$7,745,020$35,384,563
80$72,911,521$13,683,999$7,890,808$38,447,907
81$80,231,245$14,237,265$8,037,899$41,804,649
82$88,293,888$14,813,947$8,186,225$45,484,007
83$97,175,111$15,415,076$8,335,709$49,518,149
84$106,958,289$16,041,731$8,486,272$53,942,498
85$117,735,297$16,695,039$8,637,825$58,796,056
86$129,607,379$17,376,178$8,790,274$64,121,774
87$142,686,101$18,086,379$8,943,517$69,966,948
88$157,094,403$18,826,932$9,097,445$76,383,665
89$172,967,764$19,599,183$9,251,941$83,429,288
90$190,455,473$20,404,541$9,406,878$91,166,995
91$209,722,047$21,244,478$9,562,124$99,666,365
92$230,948,774$22,120,536$9,717,534$109,004,037
93$254,335,433$23,034,326$9,872,955$119,264,421
94$280,102,172$23,987,533$10,028,224$130,540,494
95$308,491,591$24,981,920$10,183,167$142,934,668
96$339,771,029$26,019,330$10,337,599$156,559,755
97$374,235,089$27,101,692$10,491,323$171,540,019
98$412,208,416$28,231,023$10,644,131$188,012,350
99$454,048,766$29,409,434$10,795,800$206,127,542
100$500,150,376$30,639,133$10,946,096$226,051,715