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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.7%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,059,126
2 years$555,978$545,623$535,588$525,858$516,421$491,018
3 years$366,970$356,571$346,561$336,922$327,638$302,984
4 years$272,485$262,117$252,208$242,734$233,674$209,958
5 years$215,808$205,503$195,723$186,443$177,636$154,924
6 years$178,036$167,809$158,174$149,100$140,557$118,872
7 years$151,067$140,926$131,443$122,583$114,310$93,657
8 years$130,849$120,799$111,474$102,832$94,832$75,200
9 years$115,133$105,177$96,013$87,590$79,862$61,238
10 years$102,567$92,709$83,706$75,503$68,046$50,409
11 years$92,292$82,533$73,693$65,711$58,522$41,847
12 years$83,736$74,077$65,401$57,637$50,714$34,974
13 years$76,502$66,944$58,431$50,885$44,224$29,390
14 years$70,307$60,850$52,501$45,170$38,766$24,807
15 years$64,942$55,588$47,401$40,284$34,133$21,015
16 years$60,253$51,001$42,976$36,070$30,167$17,857
17 years$56,120$46,970$39,107$32,408$26,748$15,212
18 years$52,450$43,402$35,699$29,206$23,783$12,987
19 years$49,170$40,225$32,681$26,390$21,198$11,107
20 years$46,222$37,379$29,993$23,902$18,935$9,514
21 years$43,558$34,817$27,588$21,692$16,944$8,159
22 years$41,140$32,500$25,426$19,723$15,188$7,005
23 years$38,935$30,397$23,477$17,962$13,634$6,020
24 years$36,917$28,480$21,712$16,383$12,254$5,178
25 years$35,063$26,727$20,110$14,962$11,027$4,457
26 years$33,354$25,119$18,651$13,680$9,933$3,838
27 years$31,775$23,640$17,319$12,522$8,955$3,307
28 years$30,311$22,276$16,100$11,473$8,080$2,850
29 years$28,951$21,015$14,983$10,521$7,296$2,458
30 years$27,684$19,846$13,956$9,655$6,593$2,120
31 years$26,500$18,761$13,010$8,868$5,961$1,829
32 years$25,393$17,752$12,139$8,150$5,392$1,579
33 years$24,356$16,811$11,334$7,494$4,880$1,363
34 years$23,381$15,933$10,590$6,895$4,418$1,176
35 years$22,464$15,113$9,901$6,348$4,001$1,016
36 years$21,600$14,344$9,262$5,846$3,625$877
37 years$20,785$13,624$8,669$5,386$3,286$758
38 years$20,014$12,947$8,118$4,965$2,979$654
39 years$19,284$12,311$7,606$4,578$2,701$565
40 years$18,593$11,713$7,129$4,222$2,450$488
41 years$17,938$11,150$6,685$3,896$2,223$422
42 years$17,315$10,619$6,271$3,595$2,017$365
43 years$16,723$10,118$5,884$3,319$1,831$315
44 years$16,159$9,644$5,523$3,064$1,662$272
45 years$15,622$9,197$5,186$2,830$1,509$235
46 years$15,109$8,773$4,871$2,614$1,370$203
47 years$14,620$8,372$4,576$2,415$1,244$176
48 years$14,153$7,993$4,300$2,232$1,129$152
49 years$13,706$7,632$4,042$2,062$1,026$131
50 years$13,278$7,291$3,800$1,906$932$113

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 $2,021 every year, while hoping to spend $40,465 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: 50/31/19 Blend
50$13,600,000$13,600,000$13,600,000$13,600,000
51$14,989,285$14,268,485$14,057,685$15,659,350
52$16,475,137$14,924,586$14,485,563$16,778,708
53$18,111,191$15,611,480$14,926,418$17,990,212
54$19,912,722$16,330,633$15,380,644$19,306,012
55$21,896,568$17,083,581$15,848,643$20,735,966
56$24,081,276$17,871,936$16,330,831$22,290,898
57$26,487,290$18,697,384$16,827,638$23,982,706
58$29,137,134$19,561,696$17,339,503$25,824,463
59$32,055,628$20,466,725$17,866,883$27,830,537
60$35,270,123$21,414,416$18,410,245$30,016,723
61$38,810,758$22,406,806$18,970,071$32,400,385
62$42,710,746$23,446,029$19,546,859$35,000,614
63$47,006,683$24,534,326$20,141,119$37,838,405
64$51,738,898$25,674,041$20,753,380$40,936,844
65$56,951,831$26,867,634$21,384,184$44,321,325
66$62,694,454$28,117,684$22,034,090$48,019,780
67$69,020,730$29,426,893$22,703,674$52,062,935
68$75,990,128$30,798,094$23,393,530$56,484,594
69$83,668,176$32,234,255$24,104,269$61,321,949
70$92,127,087$33,738,491$24,836,519$66,615,927
71$101,446,437$35,314,065$25,590,929$72,411,561
72$111,713,916$36,964,396$26,368,168$78,758,413
73$123,026,156$38,693,072$27,168,922$85,711,029
74$135,489,643$40,503,852$27,993,900$93,329,443
75$149,221,723$42,400,677$28,843,832$101,679,739
76$164,351,707$44,387,678$29,719,469$110,834,659
77$181,022,095$46,469,188$30,621,585$120,874,280
78$199,389,917$48,649,747$31,550,976$131,886,759
79$219,628,219$50,934,116$32,508,465$143,969,156
80$241,927,696$53,327,285$33,494,897$157,228,330
81$266,498,487$55,834,488$34,511,142$171,781,942
82$293,572,164$58,461,210$35,558,097$187,759,550
83$323,403,918$61,213,203$36,636,686$205,303,813
84$356,274,964$64,096,496$37,747,862$224,571,831
85$392,495,198$67,117,411$38,892,602$245,736,604
86$432,406,121$70,282,578$40,071,918$268,988,653
87$476,384,066$73,598,944$41,286,847$294,537,802
88$524,843,745$77,073,797$42,538,461$322,615,137
89$578,242,170$80,714,776$43,827,862$353,475,173
90$637,082,961$84,529,890$45,156,186$387,398,232
91$701,921,106$88,527,537$46,524,601$424,693,074
92$773,368,196$92,716,524$47,934,312$465,699,784
93$852,098,199$97,106,081$49,386,559$510,792,967
94$938,853,826$101,705,889$50,882,619$560,385,254
95$1,034,453,538$106,526,100$52,423,808$614,931,177
96$1,139,799,274$111,577,353$54,011,481$674,931,431
97$1,255,884,967$116,870,810$55,647,032$740,937,577
98$1,383,805,924$122,418,171$57,331,898$813,557,217
99$1,524,769,171$128,231,704$59,067,560$893,459,702
100$1,680,104,842$134,324,273$60,855,539$981,382,419