Can I retire at age 51 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,058,443
2 years$564,154$553,647$543,464$533,591$524,015$482,206
3 years$372,367$361,815$351,657$341,877$332,457$292,143
4 years$276,492$265,972$255,917$246,303$237,111$198,600
5 years$218,982$208,525$198,602$189,185$180,248$143,639
6 years$180,655$170,277$160,500$151,292$142,624$107,942
7 years$153,289$142,998$133,376$124,386$115,992$83,225
8 years$132,774$122,576$113,113$104,344$96,226$65,345
9 years$116,826$106,724$97,425$88,878$81,036$51,996
10 years$104,075$94,072$84,937$76,614$69,047$41,793
11 years$93,649$83,747$74,777$66,677$59,383$33,855
12 years$84,967$75,167$66,363$58,485$51,460$27,592
13 years$77,627$67,929$59,291$51,633$44,874$22,596
14 years$71,341$61,745$53,273$45,834$39,336$18,577
15 years$65,897$56,405$48,098$40,876$34,635$15,321
16 years$61,139$51,751$43,608$36,600$30,610$12,667
17 years$56,945$47,661$39,682$32,885$27,141$10,495
18 years$53,221$44,041$36,224$29,636$24,133$8,710
19 years$49,893$40,816$33,162$26,779$21,510$7,239
20 years$46,902$37,929$30,434$24,253$19,213$6,023
21 years$44,199$35,329$27,994$22,011$17,194$5,017
22 years$41,745$32,978$25,800$20,013$15,412$4,181
23 years$39,507$30,844$23,822$18,226$13,834$3,488
24 years$37,460$28,899$22,031$16,624$12,435$2,910
25 years$35,579$27,120$20,405$15,182$11,189$2,430
26 years$33,845$25,489$18,925$13,881$10,079$2,029
27 years$32,243$23,988$17,574$12,706$9,087$1,696
28 years$30,757$22,603$16,337$11,641$8,199$1,417
29 years$29,377$21,324$15,203$10,675$7,404$1,184
30 years$28,091$20,138$14,161$9,797$6,690$990
31 years$26,890$19,037$13,202$8,998$6,048$828
32 years$25,767$18,013$12,318$8,269$5,471$692
33 years$24,714$17,059$11,501$7,604$4,951$579
34 years$23,725$16,168$10,746$6,997$4,483$484
35 years$22,794$15,335$10,047$6,441$4,060$405
36 years$21,918$14,555$9,398$5,932$3,679$339
37 years$21,090$13,824$8,797$5,465$3,334$284
38 years$20,308$13,138$8,238$5,038$3,023$237
39 years$19,568$12,493$7,718$4,645$2,741$199
40 years$18,867$11,886$7,234$4,284$2,486$166
41 years$18,201$11,314$6,783$3,953$2,256$139
42 years$17,569$10,775$6,363$3,648$2,047$116
43 years$16,968$10,266$5,971$3,367$1,858$97
44 years$16,396$9,786$5,604$3,109$1,686$81
45 years$15,851$9,332$5,262$2,872$1,531$68
46 years$15,331$8,902$4,943$2,652$1,390$57
47 years$14,835$8,496$4,643$2,451$1,262$48
48 years$14,361$8,110$4,364$2,264$1,146$40
49 years$13,908$7,745$4,101$2,093$1,041$33
50 years$13,474$7,398$3,856$1,934$945$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $13,800,000, adding $5,755 every year, while hoping to spend $54,776 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: 77/13/10 Blend
50$13,800,000$13,800,000$13,800,000$13,800,000
51$15,213,536$14,482,136$14,268,236$16,358,321
52$16,707,036$15,133,480$14,687,941$17,763,483
53$18,351,036$15,814,903$15,119,870$19,296,211
54$20,160,831$16,527,823$15,564,375$20,975,222
55$22,153,272$17,273,722$16,021,817$22,815,055
56$24,346,927$18,054,155$16,492,569$24,831,717
57$26,762,256$18,870,751$16,977,013$27,042,830
58$29,421,805$19,725,217$17,475,542$29,467,799
59$32,350,416$20,619,340$17,988,560$32,127,990
60$35,575,465$21,554,994$18,516,483$35,046,931
61$39,127,116$22,534,143$19,059,739$38,250,529
62$43,038,609$23,558,843$19,618,767$41,767,315
63$47,346,571$24,631,249$20,194,019$45,628,710
64$52,091,362$25,753,621$20,785,960$49,869,318
65$57,317,458$26,928,326$21,395,067$54,527,250
66$63,073,869$28,157,844$22,021,831$59,644,483
67$69,414,599$29,444,775$22,666,759$65,267,248
68$76,399,161$30,791,841$23,330,367$71,446,470
69$84,093,132$32,201,898$24,013,192$78,238,238
70$92,568,779$33,677,938$24,715,781$85,704,337
71$101,905,733$35,223,095$25,438,698$93,912,826
72$112,191,746$36,840,656$26,182,523$102,938,673
73$123,523,519$38,534,063$26,947,853$112,864,464
74$136,007,612$40,306,927$27,735,300$123,781,175
75$149,761,451$42,163,028$28,545,494$135,789,028
76$164,914,434$44,106,331$29,379,083$148,998,431
77$181,609,157$46,140,992$30,236,733$163,531,017
78$200,002,756$48,271,366$31,119,129$179,520,787
79$220,268,389$50,502,015$32,026,972$197,115,370
80$242,596,876$52,837,725$32,960,987$216,477,410
81$267,198,494$55,283,510$33,921,916$237,786,097
82$294,304,963$57,844,625$34,910,523$261,238,851
83$324,171,638$60,526,580$35,927,594$287,053,182
84$357,079,912$63,335,149$36,973,936$315,468,736
85$393,339,877$66,276,386$38,050,376$346,749,551
86$433,293,250$69,356,634$39,157,769$381,186,539
87$477,316,596$72,582,544$40,296,990$419,100,231
88$525,824,889$75,961,088$41,468,938$460,843,790
89$579,275,420$79,499,574$42,674,540$506,806,341
90$638,172,122$83,205,662$43,914,746$557,416,633
91$703,070,321$87,087,382$45,190,533$613,147,080
92$774,581,983$91,153,153$46,502,906$674,518,212
93$853,381,487$95,411,800$47,852,895$742,103,576
94$940,211,993$99,872,572$49,241,561$816,535,146
95$1,035,892,457$104,545,169$50,669,994$898,509,273
96$1,141,325,361$109,439,756$52,139,312$988,793,254
97$1,257,505,236$114,566,992$53,650,667$1,088,232,559
98$1,385,528,045$119,938,050$55,205,240$1,197,758,804
99$1,526,601,536$125,564,644$56,804,245$1,318,398,534
100$1,682,056,636$131,459,055$58,448,931$1,451,282,900