Can I retire at age 51 with 13,100,000?

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 $13,100,000?

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%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,006,348
2 years$535,538$525,564$515,897$506,525$497,434$459,310
3 years$353,479$343,462$333,820$324,536$315,593$278,807
4 years$262,467$252,481$242,935$233,810$225,083$189,917
5 years$207,874$197,948$188,528$179,588$171,105$137,649
6 years$171,491$161,639$152,358$143,618$135,389$103,668
7 years$145,513$135,744$126,611$118,076$110,108$80,114
8 years$126,039$116,358$107,376$99,051$91,345$63,052
9 years$110,900$101,311$92,483$84,370$76,926$50,294
10 years$98,796$89,300$80,629$72,728$65,545$40,528
11 years$88,899$79,499$70,984$63,295$56,371$32,915
12 years$80,658$71,354$62,997$55,518$48,850$26,898
13 years$73,689$64,483$56,283$49,014$42,598$22,089
14 years$67,722$58,613$50,571$43,509$37,341$18,211
15 years$62,555$53,544$45,659$38,803$32,878$15,062
16 years$58,038$49,126$41,396$34,744$29,058$12,489
17 years$54,057$45,243$37,669$31,217$25,764$10,378
18 years$50,522$41,807$34,387$28,133$22,909$8,639
19 years$47,362$38,746$31,480$25,420$20,419$7,202
20 years$44,523$36,005$28,890$23,023$18,239$6,011
21 years$41,957$33,537$26,574$20,895$16,321$5,022
22 years$39,627$31,305$24,492$18,998$14,630$4,199
23 years$37,503$29,279$22,614$17,302$13,133$3,513
24 years$35,559$27,433$20,914$15,780$11,804$2,941
25 years$33,774$25,744$19,370$14,412$10,622$2,463
26 years$32,128$24,196$17,965$13,177$9,568$2,064
27 years$30,607$22,771$16,682$12,061$8,626$1,730
28 years$29,197$21,457$15,508$11,051$7,783$1,450
29 years$27,887$20,242$14,432$10,134$7,028$1,216
30 years$26,666$19,117$13,443$9,300$6,350$1,020
31 years$25,526$18,071$12,532$8,542$5,741$856
32 years$24,460$17,099$11,693$7,850$5,194$718
33 years$23,460$16,193$10,918$7,219$4,700$603
34 years$22,521$15,348$10,201$6,642$4,255$506
35 years$21,638$14,557$9,537$6,114$3,854$424
36 years$20,806$13,817$8,922$5,631$3,492$356
37 years$20,020$13,123$8,350$5,188$3,165$299
38 years$19,278$12,471$7,820$4,782$2,869$251
39 years$18,575$11,859$7,326$4,409$2,602$211
40 years$17,910$11,283$6,867$4,067$2,360$177
41 years$17,278$10,740$6,439$3,752$2,141$149
42 years$16,678$10,229$6,040$3,463$1,943$125
43 years$16,108$9,746$5,668$3,197$1,763$105
44 years$15,565$9,290$5,320$2,952$1,601$88
45 years$15,047$8,859$4,995$2,726$1,453$74
46 years$14,554$8,451$4,692$2,518$1,319$62
47 years$14,083$8,065$4,408$2,326$1,198$52
48 years$13,632$7,699$4,142$2,150$1,088$44
49 years$13,202$7,352$3,893$1,987$988$37
50 years$12,790$7,023$3,660$1,836$898$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $13,100,000, adding $3,936 every year, while hoping to spend $46,818 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: 90/5/5 Blend
50$13,100,000$13,100,000$13,100,000$13,100,000
51$14,440,260$13,745,960$13,542,910$15,742,266
52$15,863,353$14,369,698$13,946,783$17,212,442
53$17,430,031$15,022,430$14,362,618$18,822,149
54$19,154,893$15,705,527$14,790,764$20,590,975
55$21,054,021$16,420,427$15,231,583$22,534,965
56$23,145,137$17,168,635$15,685,448$24,671,797
57$25,447,772$17,951,728$16,152,740$27,020,941
58$27,983,442$18,771,360$16,633,855$29,603,846
59$30,775,861$19,629,265$17,129,197$32,444,142
60$33,851,157$20,527,257$17,639,183$35,567,861
61$37,238,122$21,467,240$18,164,243$39,003,681
62$40,968,484$22,451,207$18,704,818$42,783,195
63$45,077,202$23,481,250$19,261,362$46,941,213
64$49,602,803$24,559,557$19,834,344$51,516,081
65$54,587,738$25,688,425$20,424,244$56,550,050
66$60,078,788$26,870,258$21,031,557$62,089,669
67$66,127,503$28,107,580$21,656,793$68,186,224
68$72,790,689$29,403,031$22,300,476$74,896,220
69$80,130,942$30,759,383$22,963,144$82,281,914
70$88,217,242$32,179,537$23,645,354$90,411,902
71$97,125,602$33,666,536$24,347,675$99,361,762
72$106,939,787$35,223,569$25,070,696$109,214,771
73$117,752,101$36,853,980$25,815,020$120,062,681
74$129,664,261$38,561,271$26,581,269$132,006,594
75$142,788,358$40,349,115$27,370,083$145,157,905
76$157,247,909$42,221,361$28,182,120$159,639,357
77$173,179,032$44,182,043$29,018,057$175,586,196
78$190,731,723$46,235,392$29,878,591$193,147,447
79$210,071,273$48,385,841$30,764,438$212,487,318
80$231,379,832$50,638,037$31,676,336$233,786,744
81$254,858,125$52,996,850$32,615,043$257,245,101
82$280,727,346$55,467,389$33,581,340$283,082,078
83$309,231,250$58,055,005$34,576,029$311,539,752
84$340,638,447$60,765,310$35,599,936$342,884,870
85$375,244,945$63,604,187$36,653,911$377,411,365
86$413,376,940$66,577,803$37,738,827$415,443,125
87$455,393,894$69,692,621$38,855,583$457,337,053
88$501,691,931$72,955,419$40,005,105$503,486,427
89$552,707,575$76,373,302$41,188,344$554,324,614
90$608,921,872$79,953,718$42,406,278$610,329,158
91$670,864,928$83,704,475$43,659,913$672,026,279
92$739,120,916$87,633,760$44,950,285$739,995,843
93$814,333,590$91,750,154$46,278,460$814,876,831
94$897,212,359$96,062,655$47,645,532$897,373,366
95$988,538,991$100,580,697$49,052,628$988,261,356
96$1,089,174,985$105,314,167$50,500,908$1,088,395,816
97$1,200,069,708$110,273,436$51,991,563$1,198,718,935
98$1,322,269,357$115,469,374$53,525,820$1,320,268,965
99$1,456,926,836$120,913,377$55,104,939$1,454,190,018
100$1,605,312,637$126,617,396$56,730,217$1,601,742,864