Can I retire at age 55 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,090,492
2 years$568,242$557,659$547,403$537,458$527,812$509,814
3 years$375,065$364,436$354,206$344,355$334,866$317,343
4 years$278,495$267,899$257,771$248,088$238,829$221,917
5 years$220,569$210,036$200,041$190,555$181,554$165,301
6 years$181,964$171,510$161,663$152,389$143,658$128,082
7 years$154,399$144,034$134,343$125,287$116,832$101,940
8 years$133,736$123,464$113,933$105,100$96,923$82,711
9 years$117,672$107,498$98,131$89,522$81,624$68,083
10 years$104,829$94,754$85,552$77,169$69,547$56,668
11 years$94,328$84,354$75,319$67,160$59,813$47,582
12 years$85,583$75,711$66,844$58,908$51,833$40,234
13 years$78,190$68,421$59,720$52,007$45,199$34,216
14 years$71,858$62,193$53,659$46,166$39,621$29,235
15 years$66,375$56,814$48,447$41,172$34,886$25,077
16 years$61,582$52,126$43,924$36,865$30,832$21,581
17 years$57,358$48,006$39,969$33,123$27,338$18,623
18 years$53,607$44,360$36,487$29,851$24,308$16,109
19 years$50,255$41,112$33,402$26,973$21,666$13,962
20 years$47,242$38,203$30,655$24,429$19,352$12,122
21 years$44,519$35,585$28,196$22,171$17,318$10,540
22 years$42,047$33,217$25,987$20,158$15,523$9,176
23 years$39,794$31,067$23,995$18,359$13,935$7,997
24 years$37,731$29,108$22,191$16,744$12,525$6,976
25 years$35,836$27,317$20,553$15,292$11,270$6,090
26 years$34,090$25,673$19,062$13,982$10,152$5,321
27 years$32,476$24,161$17,701$12,798$9,153$4,652
28 years$30,980$22,767$16,455$11,726$8,259$4,069
29 years$29,590$21,478$15,313$10,753$7,457$3,561
30 years$28,294$20,284$14,264$9,868$6,738$3,117
31 years$27,085$19,175$13,297$9,063$6,092$2,730
32 years$25,954$18,144$12,407$8,329$5,511$2,392
33 years$24,893$17,182$11,584$7,660$4,987$2,096
34 years$23,897$16,285$10,824$7,047$4,515$1,837
35 years$22,960$15,446$10,119$6,488$4,090$1,610
36 years$22,076$14,660$9,466$5,975$3,705$1,412
37 years$21,243$13,924$8,860$5,505$3,358$1,238
38 years$20,455$13,233$8,297$5,074$3,045$1,086
39 years$19,710$12,583$7,774$4,679$2,761$953
40 years$19,003$11,972$7,286$4,315$2,504$836
41 years$18,333$11,396$6,832$3,981$2,272$733
42 years$17,697$10,853$6,409$3,674$2,062$643
43 years$17,091$10,341$6,014$3,392$1,871$565
44 years$16,515$9,857$5,645$3,132$1,698$495
45 years$15,966$9,400$5,301$2,892$1,542$435
46 years$15,442$8,967$4,978$2,672$1,400$382
47 years$14,943$8,557$4,677$2,468$1,271$335
48 years$14,465$8,169$4,395$2,281$1,154$294
49 years$14,008$7,801$4,131$2,108$1,048$258
50 years$13,571$7,452$3,884$1,948$952$227

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 55 starting with $13,900,000, adding $3,685 every year, while hoping to spend $48,563 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: 52/41/7 Blend
54$13,900,000$13,900,000$13,900,000$13,900,000
55$15,321,601$14,584,901$14,369,451$16,091,981
56$16,832,734$15,247,891$14,799,157$17,278,340
57$18,496,374$15,941,739$15,241,631$18,562,223
58$20,328,027$16,667,907$15,697,248$19,957,240
59$22,344,777$17,427,925$16,166,397$21,473,866
60$24,565,449$18,223,399$16,649,476$23,123,608
61$27,010,787$19,056,007$17,146,895$24,919,106
62$29,703,649$19,927,513$17,659,078$26,874,246
63$32,669,222$20,839,762$18,186,458$29,004,289
64$35,935,261$21,794,689$18,729,483$31,326,002
65$39,532,351$22,794,322$19,288,613$33,857,818
66$43,494,191$23,840,784$19,864,323$36,619,997
67$47,857,920$24,936,304$20,457,099$39,634,812
68$52,664,460$26,083,215$21,067,444$42,926,755
69$57,958,906$27,283,964$21,695,874$46,522,756
70$63,790,949$28,541,113$22,342,921$50,452,432
71$70,215,349$29,857,350$23,009,131$54,748,356
72$77,292,445$31,235,490$23,695,067$59,446,360
73$85,088,731$32,678,486$24,401,309$64,585,857
74$93,677,481$34,189,432$25,128,453$70,210,210
75$103,139,439$35,771,569$25,877,111$76,367,128
76$113,563,583$37,428,297$26,647,915$83,109,107
77$125,047,963$39,163,178$27,441,515$90,493,912
78$137,700,628$40,979,946$28,258,578$98,585,115
79$151,640,644$42,882,516$29,099,793$107,452,679
80$166,999,221$44,874,990$29,965,867$117,173,608
81$183,920,946$46,961,669$30,857,528$127,832,659
82$202,565,153$49,147,061$31,775,526$139,523,130
83$223,107,424$51,435,893$32,720,631$152,347,725
84$245,741,246$53,833,116$33,693,637$166,419,508
85$270,679,839$56,343,925$34,695,360$181,862,956
86$298,158,167$58,973,762$35,726,639$198,815,114
87$328,435,158$61,728,334$36,788,340$217,426,875
88$361,796,146$64,613,624$37,881,350$237,864,384
89$398,555,563$67,635,901$39,006,585$260,310,588
90$439,059,911$70,801,741$40,164,987$284,966,942
91$483,691,030$74,118,035$41,357,522$312,055,291
92$532,869,704$77,592,008$42,585,189$341,819,938
93$587,059,633$81,231,235$43,849,011$374,529,936
94$646,771,806$85,043,656$45,150,043$410,481,594
95$712,569,331$89,037,597$46,489,371$450,001,255
96$785,072,749$93,221,785$47,868,111$493,448,348
97$864,965,888$97,605,370$49,287,411$541,218,752
98$953,002,321$102,197,947$50,748,452$593,748,509
99$1,050,012,484$107,009,572$52,252,451$651,517,903
100$1,156,911,506$112,050,790$53,800,658$715,055,967