Can I retire at age 51 with 13,500,000?

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 $13,500,000?

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$1,114,817$1,104,887$1,095,199$1,085,743$1,076,509$1,037,076
2 years$551,890$541,611$531,650$521,992$512,623$473,335
3 years$364,272$353,949$344,013$334,445$325,229$287,320
4 years$270,481$260,190$250,353$240,949$231,956$195,716
5 years$214,222$203,992$194,284$185,072$176,329$141,852
6 years$176,727$166,575$157,011$148,003$139,524$106,834
7 years$149,956$139,889$130,477$121,682$113,470$82,560
8 years$129,887$119,911$110,654$102,076$94,134$64,977
9 years$114,286$104,404$95,307$86,946$79,275$51,830
10 years$101,812$92,027$83,091$74,948$67,546$41,765
11 years$91,613$81,926$73,152$65,227$58,092$33,921
12 years$83,120$73,533$64,920$57,213$50,341$27,719
13 years$75,940$66,452$58,002$50,511$43,898$22,763
14 years$69,790$60,403$52,115$44,838$38,481$18,767
15 years$64,465$55,179$47,053$39,987$33,882$15,521
16 years$59,810$50,626$42,660$35,804$29,945$12,871
17 years$55,707$46,625$38,819$32,170$26,551$10,695
18 years$52,064$43,083$35,437$28,992$23,608$8,903
19 years$48,809$39,929$32,441$26,196$21,042$7,422
20 years$45,882$37,104$29,772$23,726$18,795$6,194
21 years$43,238$34,561$27,385$21,533$16,820$5,175
22 years$40,837$32,261$25,239$19,578$15,077$4,327
23 years$38,649$30,173$23,304$17,830$13,534$3,620
24 years$36,645$28,271$21,552$16,262$12,164$3,031
25 years$34,805$26,531$19,962$14,852$10,946$2,539
26 years$33,109$24,934$18,514$13,580$9,860$2,127
27 years$31,542$23,466$17,192$12,430$8,889$1,783
28 years$30,089$22,112$15,982$11,388$8,021$1,495
29 years$28,738$20,860$14,872$10,443$7,243$1,254
30 years$27,480$19,700$13,853$9,584$6,544$1,051
31 years$26,306$18,623$12,915$8,802$5,917$882
32 years$25,207$17,621$12,050$8,090$5,352$740
33 years$24,177$16,688$11,251$7,439$4,844$621
34 years$23,209$15,816$10,512$6,845$4,385$521
35 years$22,299$15,001$9,828$6,301$3,972$437
36 years$21,441$14,239$9,194$5,803$3,599$367
37 years$20,632$13,523$8,605$5,347$3,262$308
38 years$19,867$12,852$8,059$4,928$2,957$259
39 years$19,143$12,221$7,550$4,544$2,682$217
40 years$18,457$11,627$7,077$4,191$2,432$182
41 years$17,806$11,068$6,636$3,867$2,207$153
42 years$17,187$10,541$6,224$3,569$2,002$128
43 years$16,600$10,043$5,841$3,294$1,817$108
44 years$16,040$9,573$5,483$3,042$1,649$91
45 years$15,507$9,129$5,148$2,809$1,497$76
46 years$14,998$8,709$4,835$2,595$1,360$64
47 years$14,513$8,311$4,543$2,397$1,235$54
48 years$14,049$7,934$4,269$2,215$1,121$45
49 years$13,605$7,576$4,012$2,047$1,018$38
50 years$13,181$7,237$3,772$1,892$925$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $13,500,000, adding $5,160 every year, while hoping to spend $46,552 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: 69/25/6 Blend
50$13,500,000$13,500,000$13,500,000$13,500,000
51$14,882,323$14,166,823$13,957,573$15,896,528
52$16,350,788$14,811,466$14,375,620$17,212,744
53$17,967,478$15,486,137$14,806,112$18,645,801
54$19,747,460$16,192,257$15,249,417$20,212,070
55$21,707,340$16,931,317$15,705,911$21,924,590
56$23,865,416$17,704,878$16,175,986$23,797,708
57$26,241,849$18,514,578$16,660,043$25,847,210
58$28,858,856$19,362,131$17,158,493$28,090,464
59$31,740,919$20,249,335$17,671,762$30,546,583
60$34,915,014$21,178,073$18,200,287$33,236,600
61$38,410,867$22,150,320$18,744,518$36,183,666
62$42,261,234$23,168,144$19,304,918$39,413,257
63$46,502,211$24,233,715$19,881,964$42,953,420
64$51,173,573$25,349,303$20,476,146$46,835,024
65$56,319,150$26,517,292$21,087,970$51,092,054
66$61,987,241$27,740,177$21,717,955$55,761,922
67$68,231,069$29,020,575$22,366,636$60,885,817
68$75,109,283$30,361,229$23,034,563$66,509,088
69$82,686,513$31,765,011$23,722,303$72,681,667
70$91,033,976$33,234,935$24,430,439$79,458,534
71$100,230,153$34,774,159$25,159,571$86,900,230
72$110,361,529$36,385,993$25,910,316$95,073,420
73$121,523,403$38,073,905$26,683,310$104,051,520
74$133,820,796$39,841,532$27,479,207$113,915,379
75$147,369,436$41,692,686$28,298,680$124,754,036
76$162,296,854$43,631,363$29,142,420$136,665,553
77$178,743,584$45,661,751$30,011,142$149,757,934
78$196,864,492$47,788,239$30,905,578$164,150,133
79$216,830,239$50,015,431$31,826,484$179,973,169
80$238,828,887$52,348,151$32,774,635$197,371,357
81$263,067,679$54,791,456$33,750,830$216,503,655
82$289,774,992$57,350,648$34,755,894$237,545,159
83$319,202,496$60,031,284$35,790,670$260,688,742
84$351,627,524$62,839,191$36,856,031$286,146,867
85$387,355,696$65,780,475$37,952,873$314,153,578
86$426,723,799$68,861,541$39,082,117$344,966,698
87$470,102,971$72,089,101$40,244,711$378,870,251
88$517,902,198$75,470,191$41,441,634$416,177,131
89$570,572,182$79,012,189$42,673,887$457,232,037
90$628,609,588$82,722,830$43,942,507$502,414,719
91$692,561,740$86,610,223$45,248,554$552,143,542
92$763,031,781$90,682,868$46,593,125$606,879,422
93$840,684,372$94,949,677$47,977,344$667,130,163
94$926,251,963$99,419,996$49,402,369$733,455,225
95$1,020,541,708$104,103,621$50,869,394$806,470,998
96$1,124,443,087$109,010,823$52,379,643$886,856,594
97$1,238,936,299$114,152,371$53,934,378$975,360,240
98$1,365,101,519$119,539,555$55,534,898$1,072,806,320
99$1,504,129,094$125,184,213$57,182,537$1,180,103,140
100$1,657,330,779$131,098,757$58,878,670$1,298,251,470