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%12.3%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,074,052
2 years$555,978$545,623$535,588$525,858$516,421$505,912
3 years$366,970$356,571$346,561$336,922$327,638$317,379
4 years$272,485$262,117$252,208$242,734$233,674$223,743
5 years$215,808$205,503$195,723$186,443$177,636$168,062
6 years$178,036$167,809$158,174$149,100$140,557$131,352
7 years$151,067$140,926$131,443$122,583$114,310$105,479
8 years$130,849$120,799$111,474$102,832$94,832$86,372
9 years$115,133$105,177$96,013$87,590$79,862$71,773
10 years$102,567$92,709$83,706$75,503$68,046$60,322
11 years$92,292$82,533$73,693$65,711$58,522$51,157
12 years$83,736$74,077$65,401$57,637$50,714$43,700
13 years$76,502$66,944$58,431$50,885$44,224$37,553
14 years$70,307$60,850$52,501$45,170$38,766$32,430
15 years$64,942$55,588$47,401$40,284$34,133$28,122
16 years$60,253$51,001$42,976$36,070$30,167$24,471
17 years$56,120$46,970$39,107$32,408$26,748$21,358
18 years$52,450$43,402$35,699$29,206$23,783$18,688
19 years$49,170$40,225$32,681$26,390$21,198$16,387
20 years$46,222$37,379$29,993$23,902$18,935$14,396
21 years$43,558$34,817$27,588$21,692$16,944$12,668
22 years$41,140$32,500$25,426$19,723$15,188$11,164
23 years$38,935$30,397$23,477$17,962$13,634$9,850
24 years$36,917$28,480$21,712$16,383$12,254$8,700
25 years$35,063$26,727$20,110$14,962$11,027$7,692
26 years$33,354$25,119$18,651$13,680$9,933$6,806
27 years$31,775$23,640$17,319$12,522$8,955$6,026
28 years$30,311$22,276$16,100$11,473$8,080$5,340
29 years$28,951$21,015$14,983$10,521$7,296$4,734
30 years$27,684$19,846$13,956$9,655$6,593$4,199
31 years$26,500$18,761$13,010$8,868$5,961$3,726
32 years$25,393$17,752$12,139$8,150$5,392$3,308
33 years$24,356$16,811$11,334$7,494$4,880$2,937
34 years$23,381$15,933$10,590$6,895$4,418$2,609
35 years$22,464$15,113$9,901$6,348$4,001$2,318
36 years$21,600$14,344$9,262$5,846$3,625$2,061
37 years$20,785$13,624$8,669$5,386$3,286$1,832
38 years$20,014$12,947$8,118$4,965$2,979$1,629
39 years$19,284$12,311$7,606$4,578$2,701$1,448
40 years$18,593$11,713$7,129$4,222$2,450$1,288
41 years$17,938$11,150$6,685$3,896$2,223$1,146
42 years$17,315$10,619$6,271$3,595$2,017$1,019
43 years$16,723$10,118$5,884$3,319$1,831$907
44 years$16,159$9,644$5,523$3,064$1,662$807
45 years$15,622$9,197$5,186$2,830$1,509$718
46 years$15,109$8,773$4,871$2,614$1,370$639
47 years$14,620$8,372$4,576$2,415$1,244$569
48 years$14,153$7,993$4,300$2,232$1,129$506
49 years$13,706$7,632$4,042$2,062$1,026$451
50 years$13,278$7,291$3,800$1,906$932$401

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 $3,550 every year, while hoping to spend $59,357 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: 61/21/18 Blend
50$13,600,000$13,600,000$13,600,000$13,600,000
51$14,990,862$14,270,062$14,059,262$15,835,866
52$16,456,774$14,906,139$14,467,092$17,042,520
53$18,070,221$15,571,396$14,886,594$18,351,856
54$19,846,186$16,267,197$15,318,099$19,779,408
55$21,801,184$16,994,976$15,761,941$21,336,653
56$23,953,407$17,756,233$16,218,469$23,036,217
57$26,322,906$18,552,539$16,688,039$24,891,991
58$28,931,770$19,385,542$17,171,016$26,919,254
59$31,804,342$20,256,965$17,667,777$29,134,821
60$34,967,445$21,168,616$18,178,707$31,557,192
61$38,450,635$22,122,388$18,704,204$34,206,727
62$42,286,480$23,120,266$19,244,675$37,105,831
63$46,510,868$24,164,326$19,800,539$40,279,166
64$51,163,346$25,256,747$20,372,227$43,753,875
65$56,287,490$26,399,811$20,960,179$47,559,836
66$61,931,319$27,595,907$21,564,851$51,729,940
67$68,147,749$28,847,541$22,186,708$56,300,396
68$74,995,086$30,157,337$22,826,229$61,311,067
69$82,537,584$31,528,046$23,483,907$66,805,843
70$90,846,046$32,962,549$24,160,246$72,833,048
71$99,998,494$34,463,866$24,855,766$79,445,893
72$110,080,906$36,035,161$25,571,000$86,702,969
73$121,188,025$37,679,750$26,306,495$94,668,798
74$133,424,255$39,401,109$27,062,814$103,414,431
75$146,904,643$41,202,878$27,840,533$113,018,118
76$161,755,972$43,088,874$28,640,246$123,566,034
77$178,117,948$45,063,096$29,462,561$135,153,087
78$196,144,527$47,129,735$30,308,105$147,883,809
79$216,005,360$49,293,184$31,177,518$161,873,332
80$237,887,403$51,558,046$32,071,460$177,248,466
81$261,996,673$53,929,145$32,990,609$194,148,891
82$288,560,198$56,411,537$33,935,659$212,728,461
83$317,828,158$59,010,523$34,907,324$233,156,655
84$350,076,248$61,731,656$35,906,337$255,620,159
85$385,608,275$64,580,757$36,933,449$280,324,623
86$424,759,033$67,563,928$37,989,433$307,496,587
87$467,897,458$70,687,564$39,075,083$337,385,617
88$515,430,112$73,958,368$40,191,211$370,266,639
89$567,805,020$77,383,365$41,338,654$406,442,529
90$625,515,902$80,969,920$42,518,269$446,246,956
91$689,106,829$84,725,751$43,730,936$490,047,521
92$759,177,363$88,658,949$44,977,559$538,249,212
93$836,388,212$92,777,996$46,259,065$591,298,213
94$921,467,472$97,091,781$47,576,407$649,686,099
95$1,015,217,499$101,609,623$48,930,561$713,954,466
96$1,118,522,479$106,341,289$50,322,530$784,700,020
97$1,232,356,781$111,297,021$51,753,344$862,580,197
98$1,357,794,148$116,487,551$53,224,057$948,319,354
99$1,496,017,843$121,924,132$54,735,754$1,042,715,582
100$1,648,331,807$127,618,559$56,289,546$1,146,648,224