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%13.8%
1 years$751,469$744,776$738,245$731,871$725,647$714,213
2 years$372,015$365,086$358,371$351,861$345,546$334,057
3 years$245,546$238,588$231,890$225,441$219,229$208,041
4 years$182,324$175,387$168,757$162,417$156,356$145,556
5 years$144,401$137,506$130,962$124,752$118,859$108,478
6 years$119,127$112,284$105,837$99,765$94,049$84,099
7 years$101,082$94,296$87,951$82,023$76,487$66,971
8 years$87,554$80,829$74,589$68,807$63,453$54,370
9 years$77,037$70,376$64,244$58,608$53,437$44,781
10 years$68,629$62,033$56,009$50,521$45,531$37,296
11 years$61,754$55,224$49,310$43,968$39,158$31,335
12 years$56,029$49,566$43,761$38,566$33,934$26,513
13 years$51,189$44,794$39,098$34,048$29,591$22,562
14 years$47,043$40,716$35,129$30,224$25,939$19,291
15 years$43,454$37,195$31,717$26,954$22,839$16,558
16 years$40,316$34,126$28,756$24,135$20,185$14,260
17 years$37,551$31,428$26,167$21,685$17,897$12,315
18 years$35,095$29,041$23,887$19,542$15,914$10,660
19 years$32,901$26,915$21,867$17,658$14,184$9,246
20 years$30,928$25,011$20,069$15,993$12,670$8,033
21 years$29,146$23,297$18,459$14,515$11,338$6,990
22 years$27,527$21,747$17,013$13,197$10,163$6,090
23 years$26,052$20,339$15,709$12,019$9,123$5,312
24 years$24,702$19,056$14,528$10,962$8,200$4,637
25 years$23,461$17,884$13,456$10,011$7,378$4,052
26 years$22,318$16,808$12,480$9,154$6,646$3,543
27 years$21,261$15,818$11,588$8,379$5,992$3,100
28 years$20,282$14,905$10,773$7,677$5,407$2,713
29 years$19,372$14,061$10,025$7,040$4,882$2,376
30 years$18,524$13,279$9,338$6,461$4,411$2,082
31 years$17,732$12,553$8,706$5,933$3,988$1,825
32 years$16,991$11,878$8,122$5,453$3,608$1,600
33 years$16,297$11,249$7,584$5,015$3,265$1,403
34 years$15,645$10,661$7,086$4,614$2,956$1,231
35 years$15,031$10,112$6,625$4,247$2,677$1,080
36 years$14,453$9,598$6,197$3,912$2,426$948
37 years$13,907$9,116$5,801$3,604$2,199$832
38 years$13,392$8,663$5,432$3,322$1,993$730
39 years$12,904$8,238$5,089$3,063$1,808$641
40 years$12,441$7,838$4,770$2,825$1,640$563
41 years$12,002$7,461$4,473$2,607$1,487$494
42 years$11,586$7,105$4,196$2,406$1,350$434
43 years$11,189$6,770$3,937$2,221$1,225$381
44 years$10,812$6,453$3,696$2,050$1,112$335
45 years$10,453$6,154$3,470$1,894$1,009$294
46 years$10,110$5,870$3,259$1,749$916$258
47 years$9,783$5,602$3,062$1,616$832$227
48 years$9,470$5,348$2,877$1,493$756$199
49 years$9,171$5,107$2,705$1,380$686$175
50 years$8,885$4,878$2,543$1,276$623$154

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 $3,267 every year, while hoping to spend $43,701 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: 76/11/13 Blend
49$9,100,000$9,100,000$9,100,000$9,100,000
50$10,031,570$9,549,270$9,408,220$10,767,278
51$11,008,293$9,970,687$9,676,898$11,674,380
52$12,083,176$10,411,288$9,953,112$12,662,696
53$13,266,187$10,871,968$10,237,068$13,744,932
54$14,568,307$11,353,663$10,528,978$14,930,422
55$16,001,635$11,857,354$10,829,060$16,229,441
56$17,579,505$12,384,067$11,137,537$17,653,306
57$19,316,607$12,934,879$11,454,637$19,214,476
58$21,229,129$13,510,916$11,780,595$20,926,668
59$23,334,909$14,113,360$12,115,654$22,804,993
60$25,653,601$14,743,446$12,460,060$24,866,086
61$28,206,864$15,402,470$12,814,067$27,128,271
62$31,018,562$16,091,789$13,177,936$29,611,727
63$34,114,993$16,812,825$13,551,935$32,338,678
64$37,525,135$17,567,066$13,936,337$35,333,604
65$41,280,920$18,356,073$14,331,425$38,623,465
66$45,417,533$19,181,480$14,737,488$42,237,960
67$49,973,749$20,045,000$15,154,821$46,209,797
68$54,992,293$20,948,426$15,583,729$50,575,011
69$60,520,247$21,893,639$16,024,524$55,373,290
70$66,609,493$22,882,608$16,477,526$60,648,359
71$73,317,201$23,917,396$16,943,064$66,448,381
72$80,706,372$25,000,165$17,421,473$72,826,414
73$88,846,429$26,133,181$17,913,100$79,840,912
74$97,813,875$27,318,816$18,418,298$87,556,266
75$107,693,011$28,559,559$18,937,432$96,043,418
76$118,576,735$29,858,015$19,470,873$105,380,523
77$130,567,419$31,216,914$20,019,004$115,653,686
78$143,777,873$32,639,120$20,582,218$126,957,770
79$158,332,408$34,127,629$21,160,914$139,397,290
80$174,368,016$35,685,585$21,755,507$153,087,396
81$192,035,656$37,316,281$22,366,419$168,154,957
82$211,501,681$39,023,167$22,994,082$184,739,753
83$232,949,409$40,809,859$23,638,941$202,995,796
84$256,580,855$42,680,148$24,301,451$223,092,773
85$282,618,632$44,638,006$24,982,080$245,217,651
86$311,308,058$46,687,594$25,681,305$269,576,432
87$342,919,469$48,833,275$26,399,618$296,396,099
88$377,750,771$51,079,621$27,137,521$325,926,748
89$416,130,251$53,431,423$27,895,529$358,443,949
90$458,419,678$55,893,705$28,674,171$394,251,343
91$505,017,717$58,471,729$29,473,988$433,683,498
92$556,363,693$61,171,011$30,295,535$477,109,071
93$612,941,734$63,997,335$31,139,379$524,934,272
94$675,285,346$66,956,760$32,006,104$577,606,701
95$743,982,450$70,055,640$32,896,307$635,619,567
96$819,680,925$73,300,631$33,810,598$699,516,333
97$903,094,730$76,698,713$34,749,605$769,895,845
98$995,010,644$80,257,202$35,713,968$847,417,974
99$1,096,295,689$83,983,764$36,704,345$932,809,844
100$1,207,905,318$87,886,437$37,721,410$1,026,872,685