Can I retire at age 51 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$751,469$744,776$738,245$731,871$725,647$700,737
2 years$372,015$365,086$358,371$351,861$345,546$320,703
3 years$245,546$238,588$231,890$225,441$219,229$195,233
4 years$182,324$175,387$168,757$162,417$156,356$133,392
5 years$144,401$137,506$130,962$124,752$118,859$96,987
6 years$119,127$112,284$105,837$99,765$94,049$73,286
7 years$101,082$94,296$87,951$82,023$76,487$56,829
8 years$87,554$80,829$74,589$68,807$63,453$44,885
9 years$77,037$70,376$64,244$58,608$53,437$35,935
10 years$68,629$62,033$56,009$50,521$45,531$29,067
11 years$61,754$55,224$49,310$43,968$39,158$23,700
12 years$56,029$49,566$43,761$38,566$33,934$19,445
13 years$51,189$44,794$39,098$34,048$29,591$16,034
14 years$47,043$40,716$35,129$30,224$25,939$13,274
15 years$43,454$37,195$31,717$26,954$22,839$11,026
16 years$40,316$34,126$28,756$24,135$20,185$9,182
17 years$37,551$31,428$26,167$21,685$17,897$7,664
18 years$35,095$29,041$23,887$19,542$15,914$6,408
19 years$32,901$26,915$21,867$17,658$14,184$5,367
20 years$30,928$25,011$20,069$15,993$12,670$4,500
21 years$29,146$23,297$18,459$14,515$11,338$3,777
22 years$27,527$21,747$17,013$13,197$10,163$3,173
23 years$26,052$20,339$15,709$12,019$9,123$2,667
24 years$24,702$19,056$14,528$10,962$8,200$2,244
25 years$23,461$17,884$13,456$10,011$7,378$1,888
26 years$22,318$16,808$12,480$9,154$6,646$1,590
27 years$21,261$15,818$11,588$8,379$5,992$1,339
28 years$20,282$14,905$10,773$7,677$5,407$1,128
29 years$19,372$14,061$10,025$7,040$4,882$951
30 years$18,524$13,279$9,338$6,461$4,411$801
31 years$17,732$12,553$8,706$5,933$3,988$676
32 years$16,991$11,878$8,122$5,453$3,608$570
33 years$16,297$11,249$7,584$5,015$3,265$480
34 years$15,645$10,661$7,086$4,614$2,956$405
35 years$15,031$10,112$6,625$4,247$2,677$342
36 years$14,453$9,598$6,197$3,912$2,426$288
37 years$13,907$9,116$5,801$3,604$2,199$243
38 years$13,392$8,663$5,432$3,322$1,993$205
39 years$12,904$8,238$5,089$3,063$1,808$173
40 years$12,441$7,838$4,770$2,825$1,640$146
41 years$12,002$7,461$4,473$2,607$1,487$123
42 years$11,586$7,105$4,196$2,406$1,350$104
43 years$11,189$6,770$3,937$2,221$1,225$88
44 years$10,812$6,453$3,696$2,050$1,112$74
45 years$10,453$6,154$3,470$1,894$1,009$62
46 years$10,110$5,870$3,259$1,749$916$53
47 years$9,783$5,602$3,062$1,616$832$44
48 years$9,470$5,348$2,877$1,493$756$38
49 years$9,171$5,107$2,705$1,380$686$32
50 years$8,885$4,878$2,543$1,276$623$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $9,100,000, adding $6,753 every year, while hoping to spend $27,270 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: 80/5/15 Blend
50$9,100,000$9,100,000$9,100,000$9,100,000
51$10,035,166$9,552,866$9,411,816$10,806,496
52$11,029,738$9,991,941$9,698,096$11,753,926
53$12,124,842$10,451,617$9,993,054$12,789,287
54$13,330,704$10,932,875$10,296,949$13,924,812
55$14,658,591$11,436,741$10,610,053$15,170,531
56$16,120,920$11,964,294$10,932,642$16,537,489
57$17,731,372$12,516,662$11,265,004$18,037,852
58$19,505,023$13,095,030$11,607,432$19,685,018
59$21,458,485$13,700,636$11,960,231$21,493,744
60$23,610,064$14,334,781$12,323,712$23,480,288
61$25,979,934$14,998,828$12,698,200$25,662,553
62$28,590,322$15,694,205$13,084,024$28,060,264
63$31,465,723$16,422,410$13,481,527$30,695,145
64$34,633,129$17,185,010$13,891,061$33,591,132
65$38,122,285$17,983,653$14,312,988$36,774,588
66$41,965,967$18,820,060$14,747,682$40,274,557
67$46,200,293$19,696,041$15,195,527$44,123,038
68$50,865,065$20,613,490$15,656,920$48,355,278
69$56,004,143$21,574,392$16,132,268$53,010,113
70$61,665,859$22,580,830$16,621,991$58,130,327
71$67,903,472$23,634,986$17,126,524$63,763,054
72$74,775,674$24,739,148$17,646,310$69,960,227
73$82,347,141$25,895,715$18,181,810$76,779,062
74$90,689,145$27,107,200$18,733,496$84,282,596
75$99,880,225$28,376,240$19,301,855$92,540,285
76$110,006,930$29,705,598$19,887,389$101,628,651
77$121,164,635$31,098,170$20,490,615$111,632,010
78$133,458,441$32,556,994$21,112,064$122,643,262
79$147,004,168$34,085,253$21,752,284$134,764,765
80$161,929,448$35,686,285$22,411,841$148,109,302
81$178,374,928$37,363,590$23,091,314$162,801,141
82$196,495,601$39,120,836$23,791,303$178,977,210
83$216,462,265$40,961,870$24,512,424$196,788,381
84$238,463,138$42,890,723$25,255,313$216,400,898
85$262,705,635$44,911,625$26,020,622$237,997,941
86$289,418,322$47,029,008$26,809,026$261,781,352
87$318,853,080$49,247,519$27,621,218$287,973,540
88$351,287,478$51,572,030$28,457,912$316,819,575
89$387,027,392$54,007,651$29,319,843$348,589,501
90$426,409,899$56,559,739$30,207,771$383,580,883
91$469,806,451$59,233,908$31,122,473$422,121,610
92$517,626,388$62,036,049$32,064,755$464,572,989
93$570,320,798$64,972,334$33,035,443$511,333,151
94$628,386,778$68,049,237$34,035,389$562,840,810
95$692,372,126$71,273,546$35,065,471$619,579,396
96$762,880,512$74,652,378$36,126,593$682,081,618
97$840,577,175$78,193,196$37,219,685$750,934,487
98$926,195,207$81,903,823$38,345,705$826,784,857
99$1,020,542,472$85,792,465$39,505,640$910,345,523
100$1,124,509,232$89,867,723$40,700,507$1,002,401,950