Can I retire at age 55 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%13.1%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,086,230
2 years$564,154$553,647$543,464$533,591$524,015$509,728
3 years$372,367$361,815$351,657$341,877$332,457$318,528
4 years$276,492$265,972$255,917$246,303$237,111$223,647
5 years$218,982$208,525$198,602$189,185$180,248$167,289
6 years$180,655$170,277$160,500$151,292$142,624$130,185
7 years$153,289$142,998$133,376$124,386$115,992$104,077
8 years$132,774$122,576$113,113$104,344$96,226$84,835
9 years$116,826$106,724$97,425$88,878$81,036$70,164
10 years$104,075$94,072$84,937$76,614$69,047$58,685
11 years$93,649$83,747$74,777$66,677$59,383$49,522
12 years$84,967$75,167$66,363$58,485$51,460$42,090
13 years$77,627$67,929$59,291$51,633$44,874$35,982
14 years$71,341$61,745$53,273$45,834$39,336$30,909
15 years$65,897$56,405$48,098$40,876$34,635$26,658
16 years$61,139$51,751$43,608$36,600$30,610$23,070
17 years$56,945$47,661$39,682$32,885$27,141$20,022
18 years$53,221$44,041$36,224$29,636$24,133$17,419
19 years$49,893$40,816$33,162$26,779$21,510$15,186
20 years$46,902$37,929$30,434$24,253$19,213$13,263
21 years$44,199$35,329$27,994$22,011$17,194$11,602
22 years$41,745$32,978$25,800$20,013$15,412$10,162
23 years$39,507$30,844$23,822$18,226$13,834$8,911
24 years$37,460$28,899$22,031$16,624$12,435$7,822
25 years$35,579$27,120$20,405$15,182$11,189$6,872
26 years$33,845$25,489$18,925$13,881$10,079$6,043
27 years$32,243$23,988$17,574$12,706$9,087$5,317
28 years$30,757$22,603$16,337$11,641$8,199$4,681
29 years$29,377$21,324$15,203$10,675$7,404$4,123
30 years$28,091$20,138$14,161$9,797$6,690$3,633
31 years$26,890$19,037$13,202$8,998$6,048$3,203
32 years$25,767$18,013$12,318$8,269$5,471$2,824
33 years$24,714$17,059$11,501$7,604$4,951$2,492
34 years$23,725$16,168$10,746$6,997$4,483$2,198
35 years$22,794$15,335$10,047$6,441$4,060$1,940
36 years$21,918$14,555$9,398$5,932$3,679$1,713
37 years$21,090$13,824$8,797$5,465$3,334$1,512
38 years$20,308$13,138$8,238$5,038$3,023$1,336
39 years$19,568$12,493$7,718$4,645$2,741$1,180
40 years$18,867$11,886$7,234$4,284$2,486$1,042
41 years$18,201$11,314$6,783$3,953$2,256$921
42 years$17,569$10,775$6,363$3,648$2,047$813
43 years$16,968$10,266$5,971$3,367$1,858$719
44 years$16,396$9,786$5,604$3,109$1,686$635
45 years$15,851$9,332$5,262$2,872$1,531$561
46 years$15,331$8,902$4,943$2,652$1,390$496
47 years$14,835$8,496$4,643$2,451$1,262$438
48 years$14,361$8,110$4,364$2,264$1,146$387
49 years$13,908$7,745$4,101$2,093$1,041$342
50 years$13,474$7,398$3,856$1,934$945$303

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 55 starting with $13,800,000, adding $2,977 every year, while hoping to spend $46,878 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: 76/16/8 Blend
54$13,800,000$13,800,000$13,800,000$13,800,000
55$15,210,671$14,479,271$14,265,371$16,348,632
56$16,712,281$15,138,877$14,693,383$17,757,019
57$18,365,485$15,829,233$15,134,162$19,294,062
58$20,185,695$16,551,796$15,588,087$20,977,472
59$22,189,895$17,308,093$16,055,547$22,821,763
60$24,396,798$18,099,724$16,536,942$24,842,910
61$26,827,027$18,928,366$17,032,685$27,058,499
62$29,503,305$19,795,777$17,543,201$29,487,892
63$32,450,670$20,703,798$18,068,927$32,152,406
64$35,696,715$21,654,361$18,610,312$35,075,509
65$39,271,843$22,649,487$19,167,820$38,283,044
66$43,209,557$23,691,298$19,741,928$41,803,466
67$47,546,775$24,782,015$20,333,126$45,668,108
68$52,324,179$25,923,967$20,941,919$49,911,474
69$57,586,599$27,119,595$21,568,827$54,571,564
70$63,383,435$28,371,457$22,214,385$59,690,224
71$69,769,122$29,682,236$22,879,144$65,313,542
72$76,803,648$31,054,741$23,563,671$71,492,276
73$84,553,115$32,491,918$24,268,548$78,282,331
74$93,090,365$33,996,854$24,994,377$85,745,284
75$102,495,669$35,572,787$25,741,776$93,948,955
76$112,857,482$37,223,108$26,511,380$102,968,051
77$124,273,278$38,951,374$27,303,844$112,884,859
78$136,850,472$40,761,311$28,119,843$123,790,023
79$150,707,432$42,656,826$28,960,069$135,783,390
80$165,974,595$44,642,015$29,825,236$148,974,953
81$182,795,701$46,721,172$30,716,079$163,485,877
82$201,329,149$48,898,795$31,633,354$179,449,643
83$221,749,489$51,179,603$32,577,838$197,013,297
84$244,249,074$53,568,541$33,550,333$216,338,834
85$269,039,872$56,070,792$34,551,662$237,604,721
86$296,355,470$58,691,792$35,582,673$261,007,574
87$326,453,275$61,437,237$36,644,240$286,764,004
88$359,616,947$64,313,099$37,737,260$315,112,660
89$396,159,075$67,325,640$38,862,657$346,316,468
90$436,424,127$70,481,424$40,021,383$380,665,110
91$480,791,705$73,787,330$41,214,417$418,477,745
92$529,680,124$77,250,575$42,442,764$460,106,013
93$583,550,363$80,878,719$43,707,463$505,937,351
94$642,910,417$84,679,693$45,009,580$556,398,634
95$708,320,090$88,661,809$46,350,212$611,960,195
96$780,396,284$92,833,782$47,730,489$673,140,258
97$859,818,817$97,204,750$49,151,572$740,509,814
98$947,336,846$101,784,291$50,614,659$814,698,005
99$1,043,775,933$106,582,450$52,120,979$896,398,044
100$1,150,045,845$111,609,757$53,671,798$986,373,750