Can I retire at age 50 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$751,469$744,776$738,245$731,871$725,647$699,344
2 years$372,015$365,086$358,371$351,861$345,546$319,335
3 years$245,546$238,588$231,890$225,441$219,229$193,934
4 years$182,324$175,387$168,757$162,417$156,356$132,170
5 years$144,401$137,506$130,962$124,752$118,859$95,845
6 years$119,127$112,284$105,837$99,765$94,049$72,224
7 years$101,082$94,296$87,951$82,023$76,487$55,846
8 years$87,554$80,829$74,589$68,807$63,453$43,978
9 years$77,037$70,376$64,244$58,608$53,437$35,102
10 years$68,629$62,033$56,009$50,521$45,531$28,303
11 years$61,754$55,224$49,310$43,968$39,158$23,002
12 years$56,029$49,566$43,761$38,566$33,934$18,810
13 years$51,189$44,794$39,098$34,048$29,591$15,457
14 years$47,043$40,716$35,129$30,224$25,939$12,752
15 years$43,454$37,195$31,717$26,954$22,839$10,554
16 years$40,316$34,126$28,756$24,135$20,185$8,758
17 years$37,551$31,428$26,167$21,685$17,897$7,283
18 years$35,095$29,041$23,887$19,542$15,914$6,067
19 years$32,901$26,915$21,867$17,658$14,184$5,062
20 years$30,928$25,011$20,069$15,993$12,670$4,228
21 years$29,146$23,297$18,459$14,515$11,338$3,535
22 years$27,527$21,747$17,013$13,197$10,163$2,958
23 years$26,052$20,339$15,709$12,019$9,123$2,477
24 years$24,702$19,056$14,528$10,962$8,200$2,075
25 years$23,461$17,884$13,456$10,011$7,378$1,739
26 years$22,318$16,808$12,480$9,154$6,646$1,459
27 years$21,261$15,818$11,588$8,379$5,992$1,224
28 years$20,282$14,905$10,773$7,677$5,407$1,027
29 years$19,372$14,061$10,025$7,040$4,882$862
30 years$18,524$13,279$9,338$6,461$4,411$723
31 years$17,732$12,553$8,706$5,933$3,988$607
32 years$16,991$11,878$8,122$5,453$3,608$510
33 years$16,297$11,249$7,584$5,015$3,265$428
34 years$15,645$10,661$7,086$4,614$2,956$360
35 years$15,031$10,112$6,625$4,247$2,677$302
36 years$14,453$9,598$6,197$3,912$2,426$254
37 years$13,907$9,116$5,801$3,604$2,199$213
38 years$13,392$8,663$5,432$3,322$1,993$179
39 years$12,904$8,238$5,089$3,063$1,808$151
40 years$12,441$7,838$4,770$2,825$1,640$126
41 years$12,002$7,461$4,473$2,607$1,487$106
42 years$11,586$7,105$4,196$2,406$1,350$89
43 years$11,189$6,770$3,937$2,221$1,225$75
44 years$10,812$6,453$3,696$2,050$1,112$63
45 years$10,453$6,154$3,470$1,894$1,009$53
46 years$10,110$5,870$3,259$1,749$916$45
47 years$9,783$5,602$3,062$1,616$832$37
48 years$9,470$5,348$2,877$1,493$756$31
49 years$9,171$5,107$2,705$1,380$686$26
50 years$8,885$4,878$2,543$1,276$623$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $9,100,000, adding $4,094 every year, while hoping to spend $53,579 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: 51/25/24 Blend
49$9,100,000$9,100,000$9,100,000$9,100,000
50$10,032,423$9,550,123$9,409,073$10,476,463
51$10,998,722$9,961,071$9,667,269$11,195,785
52$12,061,789$10,390,360$9,932,319$11,971,703
53$13,231,436$10,838,832$10,204,396$12,814,300
54$14,518,476$11,307,369$10,483,677$13,729,927
55$15,934,823$11,796,893$10,770,343$14,725,567
56$17,493,605$12,308,370$11,064,580$15,808,898
57$19,209,285$12,842,814$11,366,576$16,988,361
58$21,097,802$13,401,281$11,676,526$18,273,240
59$23,176,717$13,984,883$11,994,629$19,673,745
60$25,465,380$14,594,779$12,321,086$21,201,105
61$27,985,112$15,232,187$12,656,106$22,867,675
62$30,759,408$15,898,379$12,999,900$24,687,046
63$33,814,156$16,594,688$13,352,686$26,674,170
64$37,177,884$17,322,512$13,714,684$28,845,502
65$40,882,024$18,083,311$14,086,122$31,219,149
66$44,961,214$18,878,617$14,467,231$33,815,035
67$49,453,623$19,710,034$14,858,248$36,655,092
68$54,401,307$20,579,240$15,259,414$39,763,457
69$59,850,613$21,487,995$15,670,977$43,166,701
70$65,852,610$22,438,141$16,093,189$46,894,072
71$72,463,573$23,431,607$16,526,308$50,977,767
72$79,745,515$24,470,414$16,970,597$55,453,234
73$87,766,772$25,556,678$17,426,326$60,359,501
74$96,602,643$26,692,616$17,893,769$65,739,539
75$106,336,109$27,880,551$18,373,206$71,640,662
76$117,058,608$29,122,914$18,864,925$78,114,970
77$128,870,904$30,422,254$19,369,217$85,219,835
78$141,884,031$31,781,239$19,886,381$93,018,434
79$156,220,348$33,202,666$20,416,721$101,580,346
80$172,014,690$34,689,464$20,960,548$110,982,196
81$189,415,642$36,244,700$21,518,179$121,308,373
82$208,586,936$37,871,590$22,089,937$132,651,824
83$229,709,007$39,573,501$22,676,153$145,114,921
84$252,980,684$41,353,960$23,277,162$158,810,419
85$278,621,074$43,216,665$23,893,308$173,862,516
86$306,871,630$45,165,488$24,524,940$190,408,015
87$337,998,426$47,204,487$25,172,415$208,597,608
88$372,294,670$49,337,911$25,836,096$228,597,289
89$410,083,474$51,570,216$26,516,353$250,589,915
90$451,720,900$53,906,069$27,213,562$274,776,917
91$497,599,325$56,350,359$27,928,110$301,380,196
92$548,151,140$58,908,211$28,660,385$330,644,206
93$603,852,836$61,584,993$29,410,788$362,838,252
94$665,229,499$64,386,331$30,179,723$398,259,019
95$732,859,766$67,318,120$30,967,602$437,233,362
96$807,381,293$70,386,538$31,774,847$480,121,380
97$889,496,764$73,598,058$32,601,884$527,319,801
98$979,980,535$76,959,464$33,449,148$579,265,715
99$1,079,685,937$80,477,865$34,317,081$636,440,685
100$1,189,553,331$84,160,709$35,206,133$699,375,280