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%14.3%
1 years$751,469$744,776$738,245$731,871$725,647$712,746
2 years$372,015$365,086$358,371$351,861$345,546$332,593
3 years$245,546$238,588$231,890$225,441$219,229$206,626
4 years$182,324$175,387$168,757$162,417$156,356$144,201
5 years$144,401$137,506$130,962$124,752$118,859$107,187
6 years$119,127$112,284$105,837$99,765$94,049$82,873
7 years$101,082$94,296$87,951$82,023$76,487$65,811
8 years$87,554$80,829$74,589$68,807$63,453$53,273
9 years$77,037$70,376$64,244$58,608$53,437$43,748
10 years$68,629$62,033$56,009$50,521$45,531$36,324
11 years$61,754$55,224$49,310$43,968$39,158$30,423
12 years$56,029$49,566$43,761$38,566$33,934$25,659
13 years$51,189$44,794$39,098$34,048$29,591$21,763
14 years$47,043$40,716$35,129$30,224$25,939$18,545
15 years$43,454$37,195$31,717$26,954$22,839$15,864
16 years$40,316$34,126$28,756$24,135$20,185$13,614
17 years$37,551$31,428$26,167$21,685$17,897$11,715
18 years$35,095$29,041$23,887$19,542$15,914$10,104
19 years$32,901$26,915$21,867$17,658$14,184$8,732
20 years$30,928$25,011$20,069$15,993$12,670$7,558
21 years$29,146$23,297$18,459$14,515$11,338$6,552
22 years$27,527$21,747$17,013$13,197$10,163$5,686
23 years$26,052$20,339$15,709$12,019$9,123$4,940
24 years$24,702$19,056$14,528$10,962$8,200$4,296
25 years$23,461$17,884$13,456$10,011$7,378$3,739
26 years$22,318$16,808$12,480$9,154$6,646$3,256
27 years$21,261$15,818$11,588$8,379$5,992$2,838
28 years$20,282$14,905$10,773$7,677$5,407$2,474
29 years$19,372$14,061$10,025$7,040$4,882$2,158
30 years$18,524$13,279$9,338$6,461$4,411$1,883
31 years$17,732$12,553$8,706$5,933$3,988$1,644
32 years$16,991$11,878$8,122$5,453$3,608$1,435
33 years$16,297$11,249$7,584$5,015$3,265$1,253
34 years$15,645$10,661$7,086$4,614$2,956$1,095
35 years$15,031$10,112$6,625$4,247$2,677$957
36 years$14,453$9,598$6,197$3,912$2,426$836
37 years$13,907$9,116$5,801$3,604$2,199$731
38 years$13,392$8,663$5,432$3,322$1,993$639
39 years$12,904$8,238$5,089$3,063$1,808$558
40 years$12,441$7,838$4,770$2,825$1,640$488
41 years$12,002$7,461$4,473$2,607$1,487$427
42 years$11,586$7,105$4,196$2,406$1,350$373
43 years$11,189$6,770$3,937$2,221$1,225$326
44 years$10,812$6,453$3,696$2,050$1,112$285
45 years$10,453$6,154$3,470$1,894$1,009$250
46 years$10,110$5,870$3,259$1,749$916$218
47 years$9,783$5,602$3,062$1,616$832$191
48 years$9,470$5,348$2,877$1,493$756$167
49 years$9,171$5,107$2,705$1,380$686$146
50 years$8,885$4,878$2,543$1,276$623$128

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 $3,594 every year, while hoping to spend $56,066 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: 60/33/7 Blend
49$9,100,000$9,100,000$9,100,000$9,100,000
50$10,031,907$9,549,607$9,408,557$10,619,251
51$10,995,508$9,957,884$9,664,090$11,421,255
52$12,055,517$10,384,288$9,926,304$12,288,860
53$13,221,708$10,829,647$10,195,364$13,233,736
54$14,504,852$11,294,829$10,471,438$14,263,314
55$15,916,814$11,780,742$10,754,699$15,385,769
56$17,470,669$12,288,339$11,045,321$16,610,087
57$19,180,823$12,818,613$11,343,485$17,946,152
58$21,063,149$13,372,607$11,649,374$19,404,832
59$23,135,138$13,951,412$11,963,175$20,998,084
60$25,416,061$14,556,171$12,285,081$22,739,060
61$27,927,154$15,188,078$12,615,286$24,642,229
62$30,691,817$15,848,387$12,953,991$26,723,511
63$33,735,832$16,538,407$13,301,399$29,000,422
64$37,087,610$17,259,513$13,657,720$31,492,238
65$40,778,457$18,013,140$14,023,164$34,220,171
66$44,842,870$18,800,794$14,397,951$37,207,569
67$49,318,861$19,624,051$14,782,300$40,480,125
68$54,248,317$20,484,561$15,176,439$44,066,124
69$59,677,393$21,384,053$15,580,598$47,996,699
70$65,656,951$22,324,336$15,995,012$52,306,123
71$72,243,037$23,307,305$16,419,921$57,032,127
72$79,497,410$24,334,945$16,855,571$62,216,252
73$87,488,124$25,409,336$17,302,211$67,904,234
74$96,290,173$26,532,654$17,760,096$74,146,430
75$105,986,197$27,707,180$18,229,486$80,998,290
76$116,667,260$28,935,303$18,710,644$88,520,873
77$128,433,710$30,219,523$19,203,841$96,781,414
78$141,396,130$31,562,461$19,709,351$105,853,958
79$155,676,376$32,966,862$20,227,454$115,820,046
80$171,408,729$34,435,600$20,758,436$126,769,481
81$188,741,162$35,971,688$21,302,587$138,801,169
82$207,836,739$37,578,279$21,860,202$152,024,039
83$228,875,151$39,258,679$22,431,583$166,558,068
84$252,054,410$41,016,349$23,017,036$182,535,406
85$277,592,725$42,854,915$23,616,871$200,101,608
86$305,730,555$44,778,177$24,231,408$219,417,006
87$336,732,879$46,790,115$24,860,968$240,658,204
88$370,891,701$48,894,899$25,505,879$264,019,744
89$408,528,803$51,096,898$26,166,474$289,715,924
90$449,998,783$53,400,688$26,843,093$317,982,815
91$495,692,403$55,811,066$27,536,081$349,080,473
92$546,040,275$58,333,055$28,245,786$383,295,384
93$601,516,927$60,971,919$28,972,565$420,943,156
94$662,645,286$63,733,175$29,716,778$462,371,482
95$730,001,607$66,622,602$30,478,791$507,963,410
96$804,220,917$69,646,256$31,258,977$558,140,945
97$886,003,010$72,810,482$32,057,712$613,369,014
98$976,119,050$76,121,929$32,875,379$674,159,841
99$1,075,418,854$79,587,564$33,712,365$741,077,766
100$1,184,838,912$83,214,689$34,569,063$814,744,552