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

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 $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%11.3%
1 years$338,574$335,558$332,616$329,744$326,940$325,152
2 years$167,611$164,489$161,464$158,531$155,686$153,882
3 years$110,631$107,496$104,478$101,572$98,773$97,009
4 years$82,146$79,021$76,033$73,177$70,446$68,735
5 years$65,060$61,953$59,005$56,207$53,552$51,899
6 years$53,673$50,589$47,685$44,949$42,374$40,782
7 years$45,542$42,485$39,626$36,955$34,461$32,930
8 years$39,447$36,417$33,606$31,001$28,589$27,119
9 years$34,709$31,708$28,945$26,406$24,076$22,667
10 years$30,921$27,949$25,235$22,762$20,514$19,165
11 years$27,823$24,881$22,216$19,810$17,643$16,354
12 years$25,244$22,332$19,716$17,376$15,289$14,058
13 years$23,063$20,182$17,615$15,340$13,332$12,158
14 years$21,195$18,345$15,827$13,617$11,687$10,569
15 years$19,578$16,758$14,290$12,144$10,290$9,226
16 years$18,165$15,375$12,956$10,874$9,094$8,084
17 years$16,918$14,160$11,790$9,770$8,064$7,104
18 years$15,812$13,085$10,762$8,805$7,170$6,260
19 years$14,823$12,127$9,852$7,956$6,391$5,529
20 years$13,935$11,269$9,042$7,206$5,708$4,893
21 years$13,132$10,496$8,317$6,540$5,108$4,337
22 years$12,402$9,798$7,665$5,946$4,579$3,851
23 years$11,738$9,164$7,078$5,415$4,110$3,423
24 years$11,129$8,586$6,546$4,939$3,694$3,047
25 years$10,570$8,057$6,062$4,510$3,324$2,715
26 years$10,055$7,573$5,623$4,124$2,994$2,421
27 years$9,579$7,127$5,221$3,775$2,700$2,161
28 years$9,138$6,716$4,854$3,459$2,436$1,930
29 years$8,728$6,335$4,517$3,172$2,200$1,725
30 years$8,346$5,983$4,207$2,911$1,988$1,542
31 years$7,989$5,656$3,922$2,673$1,797$1,380
32 years$7,655$5,352$3,660$2,457$1,625$1,235
33 years$7,342$5,068$3,417$2,259$1,471$1,106
34 years$7,049$4,803$3,193$2,079$1,332$991
35 years$6,772$4,556$2,985$1,914$1,206$888
36 years$6,512$4,324$2,792$1,762$1,093$796
37 years$6,266$4,107$2,614$1,624$991$713
38 years$6,034$3,903$2,447$1,497$898$640
39 years$5,814$3,712$2,293$1,380$814$574
40 years$5,605$3,531$2,149$1,273$739$515
41 years$5,408$3,361$2,015$1,174$670$462
42 years$5,220$3,201$1,890$1,084$608$414
43 years$5,041$3,050$1,774$1,000$552$372
44 years$4,871$2,907$1,665$924$501$334
45 years$4,709$2,773$1,563$853$455$300
46 years$4,555$2,645$1,468$788$413$269
47 years$4,408$2,524$1,380$728$375$241
48 years$4,267$2,410$1,296$673$341$217
49 years$4,132$2,301$1,219$622$309$195
50 years$4,003$2,198$1,146$575$281$175

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 $2,092 every year, while hoping to spend $24,823 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: 61/14/25 Blend
49$4,100,000$4,100,000$4,100,000$4,100,000
50$4,520,358$4,303,058$4,239,508$4,765,838
51$4,955,023$4,487,496$4,355,120$5,117,199
52$5,433,192$4,680,140$4,473,773$5,497,647
53$5,959,276$4,881,365$4,595,543$5,912,372
54$6,538,135$5,091,565$4,720,507$6,364,719
55$7,175,125$5,311,152$4,848,744$6,858,368
56$7,876,146$5,540,557$4,980,335$7,397,372
57$8,647,700$5,780,231$5,115,363$7,986,187
58$9,496,950$6,030,647$5,253,912$8,629,722
59$10,431,789$6,292,300$5,396,069$9,333,376
60$11,460,917$6,565,707$5,541,922$10,103,096
61$12,593,915$6,851,412$5,691,561$10,945,427
62$13,841,345$7,149,981$5,845,079$11,867,575
63$15,214,842$7,462,010$6,002,569$12,877,474
64$16,727,229$7,788,122$6,164,129$13,983,860
65$18,392,634$8,128,968$6,329,855$15,196,351
66$20,226,627$8,485,231$6,499,849$16,525,540
67$22,246,362$8,857,626$6,674,213$17,983,090
68$24,470,743$9,246,902$6,853,051$19,581,846
69$26,920,602$9,653,843$7,036,471$21,335,954
70$29,618,892$10,079,271$7,224,582$23,260,992
71$32,590,908$10,524,044$7,417,495$25,374,120
72$35,864,523$10,989,064$7,615,323$27,694,236
73$39,470,450$11,475,275$7,818,183$30,242,155
74$43,442,537$11,983,664$8,026,192$33,040,805
75$47,818,078$12,515,266$8,239,472$36,115,440
76$52,638,174$13,071,165$8,458,146$39,493,880
77$57,948,112$13,652,497$8,682,339$43,206,767
78$63,797,801$14,260,451$8,912,178$47,287,858
79$70,242,236$14,896,273$9,147,796$51,774,339
80$77,342,021$15,561,267$9,389,323$56,707,176
81$85,163,939$16,256,800$9,636,897$62,131,497
82$93,781,582$16,984,306$9,890,656$68,097,019
83$103,276,050$17,745,283$10,150,739$74,658,515
84$113,736,709$18,541,303$10,417,290$81,876,326
85$125,262,040$19,374,014$10,690,456$89,816,935
86$137,960,566$20,245,139$10,970,385$98,553,583
87$151,951,879$21,156,486$11,257,227$108,166,967
88$167,367,764$22,109,948$11,551,139$118,745,996
89$184,353,449$23,107,508$11,852,275$130,388,624
90$203,068,971$24,151,245$12,160,796$143,202,778
91$223,690,687$25,243,337$12,476,863$157,307,372
92$246,412,941$26,386,065$12,800,642$172,833,427
93$271,449,898$27,581,819$13,132,301$189,925,300
94$299,037,564$28,833,105$13,472,009$208,742,054
95$329,436,015$30,142,547$13,819,941$229,458,947
96$362,931,851$31,512,894$14,176,272$252,269,087
97$399,840,904$32,947,030$14,541,181$277,385,251
98$440,511,215$34,447,973$14,914,850$305,041,891
99$485,326,324$36,018,889$15,297,462$335,497,342
100$534,708,888$37,663,093$15,689,205$369,036,259