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%16.8%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,054,419
2 years$555,978$545,623$535,588$525,858$516,421$486,355
3 years$366,970$356,571$346,561$336,922$327,638$298,514
4 years$272,485$262,117$252,208$242,734$233,674$205,715
5 years$215,808$205,503$195,723$186,443$177,636$150,917
6 years$178,036$167,809$158,174$149,100$140,557$115,105
7 years$151,067$140,926$131,443$122,583$114,310$90,125
8 years$130,849$120,799$111,474$102,832$94,832$71,900
9 years$115,133$105,177$96,013$87,590$79,862$58,163
10 years$102,567$92,709$83,706$75,503$68,046$47,551
11 years$92,292$82,533$73,693$65,711$58,522$39,198
12 years$83,736$74,077$65,401$57,637$50,714$32,525
13 years$76,502$66,944$58,431$50,885$44,224$27,130
14 years$70,307$60,850$52,501$45,170$38,766$22,727
15 years$64,942$55,588$47,401$40,284$34,133$19,106
16 years$60,253$51,001$42,976$36,070$30,167$16,108
17 years$56,120$46,970$39,107$32,408$26,748$13,613
18 years$52,450$43,402$35,699$29,206$23,783$11,527
19 years$49,170$40,225$32,681$26,390$21,198$9,778
20 years$46,222$37,379$29,993$23,902$18,935$8,305
21 years$43,558$34,817$27,588$21,692$16,944$7,063
22 years$41,140$32,500$25,426$19,723$15,188$6,013
23 years$38,935$30,397$23,477$17,962$13,634$5,123
24 years$36,917$28,480$21,712$16,383$12,254$4,368
25 years$35,063$26,727$20,110$14,962$11,027$3,726
26 years$33,354$25,119$18,651$13,680$9,933$3,181
27 years$31,775$23,640$17,319$12,522$8,955$2,716
28 years$30,311$22,276$16,100$11,473$8,080$2,320
29 years$28,951$21,015$14,983$10,521$7,296$1,983
30 years$27,684$19,846$13,956$9,655$6,593$1,695
31 years$26,500$18,761$13,010$8,868$5,961$1,449
32 years$25,393$17,752$12,139$8,150$5,392$1,239
33 years$24,356$16,811$11,334$7,494$4,880$1,060
34 years$23,381$15,933$10,590$6,895$4,418$907
35 years$22,464$15,113$9,901$6,348$4,001$776
36 years$21,600$14,344$9,262$5,846$3,625$664
37 years$20,785$13,624$8,669$5,386$3,286$568
38 years$20,014$12,947$8,118$4,965$2,979$486
39 years$19,284$12,311$7,606$4,578$2,701$416
40 years$18,593$11,713$7,129$4,222$2,450$356
41 years$17,938$11,150$6,685$3,896$2,223$305
42 years$17,315$10,619$6,271$3,595$2,017$261
43 years$16,723$10,118$5,884$3,319$1,831$223
44 years$16,159$9,644$5,523$3,064$1,662$191
45 years$15,622$9,197$5,186$2,830$1,509$164
46 years$15,109$8,773$4,871$2,614$1,370$140
47 years$14,620$8,372$4,576$2,415$1,244$120
48 years$14,153$7,993$4,300$2,232$1,129$103
49 years$13,706$7,632$4,042$2,062$1,026$88
50 years$13,278$7,291$3,800$1,906$932$75

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 $3,565 every year, while hoping to spend $25,599 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: 86/7/7 Blend
50$13,600,000$13,600,000$13,600,000$13,600,000
51$14,990,877$14,270,077$14,059,277$16,271,781
52$16,492,710$14,942,074$14,503,026$17,779,435
53$18,146,871$15,646,140$14,960,782$19,432,013
54$19,968,872$16,383,821$15,432,988$21,247,172
55$21,975,804$17,156,736$15,920,100$23,241,262
56$24,186,501$17,966,581$16,422,589$25,432,292
57$26,621,718$18,815,138$16,940,940$27,840,096
58$29,304,326$19,704,271$17,475,654$30,486,524
59$32,259,526$20,635,940$18,027,247$33,395,640
60$35,515,090$21,612,193$18,596,252$36,593,954
61$39,101,622$22,635,184$19,183,220$40,110,668
62$43,052,847$23,707,167$19,788,717$43,977,948
63$47,405,926$24,830,507$20,413,328$48,231,233
64$52,201,813$26,007,684$21,057,657$52,909,557
65$57,485,635$27,241,298$21,722,326$58,055,928
66$63,307,124$28,534,075$22,407,977$63,717,721
67$69,721,079$29,888,874$23,115,273$69,947,131
68$76,787,892$31,308,692$23,844,898$76,801,660
69$84,574,110$32,796,671$24,597,555$84,344,660
70$93,153,070$34,356,108$25,373,973$92,645,927
71$102,605,583$35,990,458$26,174,902$101,782,356
72$113,020,707$37,703,344$27,001,115$111,838,671
73$124,496,577$39,498,566$27,853,411$122,908,215
74$137,141,341$41,380,109$28,732,613$135,093,832
75$151,074,173$43,352,150$29,639,571$148,508,836
76$166,426,404$45,419,070$30,575,161$163,278,074
77$183,342,755$47,585,463$31,540,288$179,539,108
78$201,982,712$49,856,146$32,535,883$197,443,505
79$222,522,022$52,236,171$33,562,909$217,158,265
80$245,154,360$54,730,835$34,622,358$238,867,399
81$270,093,152$57,345,693$35,715,254$262,773,656
82$297,573,592$60,086,570$36,842,653$289,100,440
83$327,854,861$62,959,575$38,005,645$318,093,909
84$361,222,575$65,971,113$39,205,353$350,025,299
85$397,991,482$69,127,901$40,442,936$385,193,480
86$438,508,430$72,436,985$41,719,591$423,927,770
87$483,155,643$75,905,751$43,036,551$466,591,045
88$532,354,332$79,541,946$44,395,089$513,583,153
89$586,568,667$83,353,694$45,796,517$565,344,690
90$646,310,161$87,349,515$47,242,190$622,361,152
91$712,142,500$91,538,343$48,733,506$685,167,512
92$784,686,861$95,929,548$50,271,904$754,353,264
93$864,627,780$100,532,956$51,858,873$830,567,987
94$952,719,613$105,358,870$53,495,944$914,527,466
95$1,049,793,657$110,418,098$55,184,702$1,007,020,446
96$1,156,765,998$115,721,973$56,926,777$1,108,916,071
97$1,274,646,159$121,282,379$58,723,853$1,221,172,081
98$1,404,546,632$127,111,780$60,577,668$1,344,843,849
99$1,547,693,381$133,223,250$62,490,012$1,481,094,333
100$1,705,437,412$139,630,495$64,462,733$1,631,205,052