Can I retire at age 51 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,068,277
2 years$555,978$545,623$535,588$525,858$516,421$500,130
3 years$366,970$356,571$346,561$336,922$327,638$311,769
4 years$272,485$262,117$252,208$242,734$233,674$218,350
5 years$215,808$205,503$195,723$186,443$177,636$162,900
6 years$178,036$167,809$158,174$149,100$140,557$126,427
7 years$151,067$140,926$131,443$122,583$114,310$100,791
8 years$130,849$120,799$111,474$102,832$94,832$81,921
9 years$115,133$105,177$96,013$87,590$79,862$67,553
10 years$102,567$92,709$83,706$75,503$68,046$56,330
11 years$92,292$82,533$73,693$65,711$58,522$47,387
12 years$83,736$74,077$65,401$57,637$50,714$40,146
13 years$76,502$66,944$58,431$50,885$44,224$34,208
14 years$70,307$60,850$52,501$45,170$38,766$29,287
15 years$64,942$55,588$47,401$40,284$34,133$25,174
16 years$60,253$51,001$42,976$36,070$30,167$21,710
17 years$56,120$46,970$39,107$32,408$26,748$18,775
18 years$52,450$43,402$35,699$29,206$23,783$16,275
19 years$49,170$40,225$32,681$26,390$21,198$14,137
20 years$46,222$37,379$29,993$23,902$18,935$12,301
21 years$43,558$34,817$27,588$21,692$16,944$10,720
22 years$41,140$32,500$25,426$19,723$15,188$9,354
23 years$38,935$30,397$23,477$17,962$13,634$8,171
24 years$36,917$28,480$21,712$16,383$12,254$7,145
25 years$35,063$26,727$20,110$14,962$11,027$6,253
26 years$33,354$25,119$18,651$13,680$9,933$5,476
27 years$31,775$23,640$17,319$12,522$8,955$4,799
28 years$30,311$22,276$16,100$11,473$8,080$4,208
29 years$28,951$21,015$14,983$10,521$7,296$3,691
30 years$27,684$19,846$13,956$9,655$6,593$3,239
31 years$26,500$18,761$13,010$8,868$5,961$2,844
32 years$25,393$17,752$12,139$8,150$5,392$2,498
33 years$24,356$16,811$11,334$7,494$4,880$2,194
34 years$23,381$15,933$10,590$6,895$4,418$1,928
35 years$22,464$15,113$9,901$6,348$4,001$1,694
36 years$21,600$14,344$9,262$5,846$3,625$1,489
37 years$20,785$13,624$8,669$5,386$3,286$1,310
38 years$20,014$12,947$8,118$4,965$2,979$1,152
39 years$19,284$12,311$7,606$4,578$2,701$1,013
40 years$18,593$11,713$7,129$4,222$2,450$891
41 years$17,938$11,150$6,685$3,896$2,223$784
42 years$17,315$10,619$6,271$3,595$2,017$689
43 years$16,723$10,118$5,884$3,319$1,831$606
44 years$16,159$9,644$5,523$3,064$1,662$534
45 years$15,622$9,197$5,186$2,830$1,509$469
46 years$15,109$8,773$4,871$2,614$1,370$413
47 years$14,620$8,372$4,576$2,415$1,244$364
48 years$14,153$7,993$4,300$2,232$1,129$320
49 years$13,706$7,632$4,042$2,062$1,026$282
50 years$13,278$7,291$3,800$1,906$932$248

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $13,600,000, adding $4,383 every year, while hoping to spend $47,210 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: 75/15/10 Blend
50$13,600,000$13,600,000$13,600,000$13,600,000
51$14,991,721$14,270,921$14,060,121$16,088,906
52$16,470,646$14,919,965$14,480,904$17,461,627
53$18,098,838$15,599,230$14,914,201$18,959,129
54$19,891,474$16,310,147$15,360,381$20,598,861
55$21,865,275$17,054,215$15,819,825$22,394,917
56$24,038,668$17,833,006$16,292,924$24,362,815
57$26,431,955$18,648,166$16,780,080$26,519,636
58$29,067,510$19,501,422$17,281,708$28,884,186
59$31,969,986$20,394,581$17,798,235$31,477,170
60$35,166,548$21,329,540$18,330,099$34,321,384
61$38,687,132$22,308,283$18,877,753$37,441,929
62$42,564,723$23,332,893$19,441,662$40,866,443
63$46,835,671$24,405,551$20,022,304$44,625,362
64$51,540,031$25,528,544$20,620,172$48,752,202
65$56,721,939$26,704,268$21,235,773$53,283,871
66$62,430,034$27,935,234$21,869,629$58,261,020
67$68,717,912$29,224,075$22,522,276$63,728,414
68$75,644,634$30,573,549$23,194,267$69,735,360
69$83,275,283$31,986,550$23,886,171$76,336,161
70$91,681,577$33,466,106$24,598,573$83,590,632
71$100,942,548$35,015,395$25,332,076$91,564,654
72$111,145,285$36,637,747$26,087,298$100,330,795
73$122,385,760$38,336,652$26,864,878$109,968,989
74$134,769,728$40,115,769$27,665,472$120,567,289
75$148,413,731$41,978,932$28,489,756$132,222,689
76$163,446,193$43,930,161$29,338,424$145,042,036
77$180,008,635$45,973,670$30,212,192$159,143,035
78$198,257,011$48,113,874$31,111,795$174,655,352
79$218,363,177$50,355,405$32,037,991$191,721,834
80$240,516,516$52,703,115$32,991,559$210,499,852
81$264,925,725$55,162,093$33,973,301$231,162,775
82$291,820,785$57,737,670$34,984,042$253,901,608
83$321,455,128$60,435,439$36,024,630$278,926,781
84$354,108,036$63,261,261$37,095,940$306,470,133
85$390,087,271$66,221,279$38,198,870$336,787,090
86$429,731,986$69,321,934$39,334,345$370,159,071
87$473,415,920$72,569,980$40,503,317$406,896,131
88$521,550,930$75,972,495$41,706,764$447,339,887
89$574,590,878$79,536,901$42,945,694$491,866,729
90$633,035,916$83,270,978$44,221,144$540,891,362
91$697,437,207$87,182,883$45,534,179$594,870,717
92$768,402,125$91,281,167$46,885,897$654,308,250
93$846,599,994$95,574,797$48,277,427$719,758,683
94$932,768,403$100,073,171$49,709,930$791,833,233
95$1,027,720,168$104,786,145$51,184,601$871,205,369
96$1,132,351,009$109,724,050$52,702,670$958,617,154
97$1,247,648,003$114,897,719$54,265,400$1,054,886,245
98$1,374,698,901$120,318,509$55,874,093$1,160,913,589
99$1,514,702,402$125,998,329$57,530,087$1,277,691,923
100$1,668,979,462$131,949,662$59,234,760$1,406,315,127