Can I retire at age 50 with 10,100,000?

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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$834,049$826,619$819,371$812,296$805,388$800,648
2 years$412,895$405,206$397,753$390,527$383,518$378,736
3 years$272,529$264,806$257,372$250,214$243,320$238,644
4 years$202,360$194,661$187,301$180,265$173,538$169,003
5 years$160,269$152,616$145,353$138,461$131,921$127,542
6 years$132,218$124,623$117,467$110,728$104,384$100,166
7 years$112,190$104,658$97,616$91,036$84,892$80,838
8 years$97,175$89,711$82,786$76,368$70,426$66,535
9 years$85,503$78,110$71,303$65,048$59,309$55,580
10 years$76,171$68,850$62,164$56,072$50,534$46,966
11 years$68,540$61,293$54,728$48,800$43,461$40,051
12 years$62,186$55,013$48,570$42,804$37,663$34,407
13 years$56,814$49,716$43,394$37,789$32,843$29,739
14 years$52,213$45,190$38,990$33,545$28,790$25,834
15 years$48,229$41,282$35,202$29,917$25,349$22,538
16 years$44,747$37,876$31,916$26,787$22,403$19,733
17 years$41,677$34,882$29,042$24,068$19,864$17,330
18 years$38,952$32,233$26,512$21,690$17,662$15,260
19 years$36,516$29,873$24,270$19,599$15,743$13,468
20 years$34,327$27,759$22,274$17,750$14,062$11,910
21 years$32,348$25,857$20,488$16,110$12,584$10,550
22 years$30,552$24,136$18,883$14,647$11,280$9,360
23 years$28,915$22,574$17,435$13,340$10,125$8,315
24 years$27,416$21,151$16,124$12,167$9,101$7,395
25 years$26,039$19,849$14,934$11,111$8,189$6,584
26 years$24,771$18,655$13,851$10,159$7,377$5,867
27 years$23,598$17,556$12,862$9,299$6,651$5,232
28 years$22,511$16,543$11,957$8,520$6,001$4,669
29 years$21,500$15,607$11,127$7,813$5,419$4,169
30 years$20,559$14,739$10,364$7,170$4,896$3,725
31 years$19,680$13,933$9,662$6,586$4,427$3,330
32 years$18,858$13,183$9,015$6,052$4,004$2,978
33 years$18,088$12,485$8,417$5,566$3,624$2,665
34 years$17,364$11,833$7,865$5,121$3,281$2,385
35 years$16,683$11,223$7,353$4,714$2,972$2,135
36 years$16,041$10,653$6,878$4,341$2,692$1,912
37 years$15,436$10,117$6,438$4,000$2,440$1,713
38 years$14,863$9,615$6,029$3,687$2,212$1,534
39 years$14,322$9,143$5,649$3,400$2,006$1,375
40 years$13,808$8,699$5,294$3,136$1,820$1,232
41 years$13,321$8,281$4,964$2,893$1,651$1,105
42 years$12,859$7,886$4,657$2,670$1,498$991
43 years$12,419$7,514$4,370$2,465$1,360$888
44 years$12,000$7,162$4,102$2,276$1,234$796
45 years$11,601$6,830$3,851$2,102$1,120$714
46 years$11,221$6,515$3,617$1,941$1,017$641
47 years$10,858$6,218$3,398$1,794$924$575
48 years$10,511$5,936$3,194$1,657$839$516
49 years$10,179$5,668$3,002$1,532$762$463
50 years$9,861$5,415$2,822$1,416$692$415

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $10,100,000, adding $6,359 every year, while hoping to spend $55,805 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: 38/32/30 Blend
49$10,100,000$10,100,000$10,100,000$10,100,000
50$11,136,759$10,601,459$10,444,909$11,460,348
51$12,213,333$11,061,555$10,735,438$12,159,949
52$13,397,846$11,542,324$11,033,828$12,909,998
53$14,701,251$12,044,723$11,340,286$13,719,598
54$16,135,613$12,569,748$11,655,020$14,594,204
55$17,714,227$13,118,448$11,978,245$15,539,800
56$19,451,742$13,691,916$12,310,180$16,562,956
57$21,364,300$14,291,300$12,651,051$17,670,888
58$23,469,686$14,917,801$13,001,088$18,871,518
59$25,787,497$15,572,676$13,360,528$20,173,547
60$28,339,328$16,257,244$13,729,612$21,586,537
61$31,148,973$16,972,882$14,108,588$23,120,990
62$34,242,652$17,721,037$14,497,709$24,788,451
63$37,649,255$18,503,220$14,897,235$26,601,606
64$41,400,617$19,321,017$15,307,431$28,574,401
65$45,531,820$20,176,087$15,728,570$30,722,168
66$50,081,518$21,070,167$16,160,930$33,061,764
67$55,092,308$22,005,080$16,604,795$35,611,726
68$60,611,125$22,982,731$17,060,458$38,392,440
69$66,689,693$24,005,118$17,528,216$41,426,329
70$73,385,007$25,074,333$18,008,376$44,738,057
71$80,759,870$26,192,569$18,501,250$48,354,758
72$88,883,493$27,362,120$19,007,157$52,306,281
73$97,832,137$28,585,392$19,526,425$56,625,474
74$107,689,842$29,864,904$20,059,388$61,348,477
75$118,549,217$31,203,295$20,606,388$66,515,063
76$130,512,310$32,603,329$21,167,775$72,169,004
77$143,691,578$34,067,905$21,743,908$78,358,475
78$158,210,942$35,600,055$22,335,152$85,136,501
79$174,206,960$37,202,960$22,941,882$92,561,452
80$191,830,115$38,879,950$23,564,480$100,697,580
81$211,246,234$40,634,515$24,203,337$109,615,621
82$232,638,055$42,470,311$24,858,854$119,393,448
83$256,206,950$44,391,169$25,531,438$130,116,803
84$282,174,826$46,401,104$26,221,509$141,880,087
85$310,786,220$48,504,320$26,929,492$154,787,248
86$342,310,609$50,705,226$27,655,823$168,952,746
87$377,044,946$53,008,437$28,400,949$184,502,623
88$415,316,474$55,418,794$29,165,324$201,575,680
89$457,485,806$57,941,366$29,949,414$220,324,773
90$503,950,331$60,581,466$30,753,692$240,918,245
91$555,147,968$63,344,662$31,578,645$263,541,498
92$611,561,298$66,236,787$32,424,766$288,398,729
93$673,722,117$69,263,956$33,292,562$315,714,844
94$742,216,459$72,432,576$34,182,549$345,737,561
95$817,690,126$75,749,360$35,095,253$378,739,734
96$900,854,786$79,221,347$36,031,211$415,021,909
97$992,494,690$82,855,908$36,990,973$454,915,146
98$1,093,474,075$86,660,774$37,975,097$498,784,121
99$1,204,745,322$90,644,044$38,984,154$547,030,549
100$1,327,357,949$94,814,206$40,018,727$600,096,956