Can I retire at age 50 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$908,370$900,278$892,384$884,679$877,155$847,382
2 years$449,688$441,313$433,196$425,327$417,693$387,996
3 years$296,814$288,403$280,307$272,511$265,002$236,312
4 years$220,392$212,007$203,991$196,329$189,001$161,540
5 years$174,551$166,216$158,306$150,799$143,676$117,515
6 years$144,000$135,728$127,935$120,595$113,686$88,846
7 years$122,187$113,984$106,314$99,148$92,457$68,934
8 years$105,834$97,705$90,163$83,173$76,702$54,479
9 years$93,122$85,070$77,657$70,845$64,594$43,643
10 years$82,958$74,985$67,703$61,069$55,037$35,324
11 years$74,648$66,755$59,605$53,148$47,334$28,820
12 years$67,728$59,915$52,898$46,618$41,019$23,661
13 years$61,877$54,146$47,261$41,157$35,769$19,524
14 years$56,866$49,217$42,464$36,534$31,355$16,175
15 years$52,527$44,961$38,339$32,582$27,607$13,444
16 years$48,734$41,251$34,760$29,174$24,400$11,205
17 years$45,391$37,990$31,630$26,213$21,634$9,359
18 years$42,423$35,105$28,874$23,623$19,236$7,832
19 years$39,770$32,535$26,433$21,345$17,146$6,563
20 years$37,386$30,233$24,259$19,332$15,315$5,507
21 years$35,231$28,161$22,314$17,545$13,705$4,626
22 years$33,275$26,287$20,566$15,953$12,285$3,889
23 years$31,491$24,586$18,989$14,528$11,027$3,272
24 years$29,859$23,035$17,561$13,251$9,912$2,755
25 years$28,360$21,617$16,265$12,101$8,919$2,320
26 years$26,978$20,317$15,085$11,065$8,034$1,955
27 years$25,701$19,121$14,008$10,128$7,243$1,648
28 years$24,517$18,017$13,022$9,279$6,536$1,390
29 years$23,416$16,997$12,118$8,509$5,902$1,172
30 years$22,391$16,052$11,288$7,809$5,332$989
31 years$21,434$15,175$10,523$7,172$4,821$834
32 years$20,539$14,358$9,818$6,592$4,361$704
33 years$19,699$13,597$9,167$6,061$3,947$594
34 years$18,911$12,887$8,565$5,577$3,573$502
35 years$18,169$12,223$8,008$5,134$3,236$423
36 years$17,471$11,602$7,491$4,728$2,932$357
37 years$16,811$11,019$7,012$4,357$2,658$302
38 years$16,188$10,472$6,566$4,016$2,409$255
39 years$15,598$9,958$6,152$3,702$2,185$215
40 years$15,039$9,474$5,766$3,415$1,982$182
41 years$14,508$9,018$5,407$3,151$1,798$153
42 years$14,005$8,589$5,072$2,908$1,632$130
43 years$13,526$8,183$4,759$2,684$1,481$109
44 years$13,070$7,801$4,467$2,478$1,344$92
45 years$12,635$7,439$4,195$2,289$1,220$78
46 years$12,221$7,096$3,940$2,114$1,108$66
47 years$11,825$6,772$3,701$1,953$1,006$56
48 years$11,447$6,465$3,478$1,805$914$47
49 years$11,086$6,173$3,269$1,668$830$40
50 years$10,740$5,897$3,074$1,542$754$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,000,000, adding $4,424 every year, while hoping to spend $21,253 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: 50/29/21 Blend
49$11,000,000$11,000,000$11,000,000$11,000,000
50$12,126,563$11,543,563$11,373,063$12,661,427
51$13,340,860$12,086,585$11,731,448$13,575,442
52$14,678,302$12,655,502$12,101,126$14,565,728
53$16,151,429$13,251,562$12,482,454$15,641,562
54$17,774,057$13,876,070$12,875,798$16,811,036
55$19,561,411$14,530,398$13,281,537$18,083,038
56$21,530,268$15,215,981$13,700,063$19,467,332
57$23,699,118$15,934,327$14,131,777$20,974,653
58$26,088,332$16,687,013$14,577,096$22,616,797
59$28,720,361$17,475,695$15,036,447$24,406,729
60$31,619,944$18,302,111$15,510,275$26,358,706
61$34,814,343$19,168,078$15,999,033$28,488,402
62$38,333,599$20,075,507$16,503,194$30,813,052
63$42,210,817$21,026,399$17,023,242$33,351,611
64$46,482,478$22,022,850$17,559,679$36,124,926
65$51,188,783$23,067,061$18,113,020$39,155,931
66$56,374,031$24,161,339$18,683,798$42,469,852
67$62,087,040$25,308,103$19,272,563$46,094,441
68$68,381,606$26,509,888$19,879,882$50,060,236
69$75,317,011$27,769,354$20,506,339$54,400,836
70$82,958,582$29,089,288$21,152,538$59,153,217
71$91,378,310$30,472,615$21,819,100$64,358,069
72$100,655,525$31,922,401$22,506,667$70,060,176
73$110,877,650$33,441,860$23,215,902$76,308,829
74$122,141,022$35,034,364$23,947,487$83,158,284
75$134,551,805$36,703,446$24,702,126$90,668,265
76$148,226,988$38,452,814$25,480,547$98,904,519
77$163,295,494$40,286,354$26,283,498$107,939,427
78$179,899,391$42,208,143$27,111,752$117,852,677
79$198,195,240$44,222,453$27,966,107$128,732,007
80$218,355,569$46,333,767$28,847,385$140,674,022
81$240,570,500$48,546,785$29,756,436$153,785,093
82$265,049,547$50,866,434$30,694,133$168,182,352
83$292,023,595$53,297,883$31,661,380$183,994,785
84$321,747,074$55,846,551$32,659,108$201,364,433
85$354,500,365$58,518,122$33,688,278$220,447,724
86$390,592,447$61,318,555$34,749,881$241,416,934
87$430,363,813$64,254,101$35,844,938$264,461,797
88$474,189,683$67,331,312$36,974,504$289,791,282
89$522,483,547$70,557,063$38,139,667$317,635,550
90$575,701,070$73,938,561$39,341,547$348,248,108
91$634,344,394$77,483,365$40,581,303$381,908,187
92$698,966,873$81,199,401$41,860,128$418,923,356
93$770,178,305$85,094,982$43,179,253$459,632,410
94$848,650,683$89,178,827$44,539,949$504,408,544
95$935,124,540$93,460,077$45,943,524$553,662,859
96$1,030,415,942$97,948,320$47,391,332$607,848,216
97$1,135,424,192$102,653,611$48,884,765$667,463,493
98$1,251,140,316$107,586,495$50,425,261$733,058,266
99$1,378,656,425$112,758,030$52,014,304$805,237,974
100$1,519,176,021$118,179,814$53,653,424$884,669,606