Can I retire at age 50 with 11,200,000?

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 $11,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$924,886$916,647$908,609$900,764$893,104$864,861
2 years$457,864$449,337$441,073$433,060$425,287$397,090
3 years$302,211$293,647$285,403$277,466$269,820$242,551
4 years$224,399$215,861$207,700$199,898$192,438$166,307
5 years$177,725$169,238$161,184$153,541$146,288$121,366
6 years$146,618$138,195$130,261$122,788$115,753$92,061
7 years$124,408$116,056$108,247$100,951$94,138$71,673
8 years$107,758$99,482$91,802$84,685$78,097$56,844
9 years$94,815$86,617$79,069$72,133$65,769$45,705
10 years$84,467$76,348$68,934$62,179$56,038$37,133
11 years$76,005$67,969$60,689$54,115$48,195$30,413
12 years$68,959$61,005$53,860$47,466$41,764$25,069
13 years$63,002$55,131$48,120$41,905$36,419$20,770
14 years$57,900$50,112$43,236$37,199$31,925$17,280
15 years$53,482$45,778$39,036$33,175$28,109$14,424
16 years$49,620$42,001$35,392$29,704$24,843$12,073
17 years$46,216$38,681$32,205$26,689$22,028$10,129
18 years$43,194$35,743$29,399$24,052$19,586$8,514
19 years$40,493$33,126$26,914$21,733$17,457$7,168
20 years$38,065$30,783$24,700$19,684$15,593$6,042
21 years$35,871$28,673$22,719$17,864$13,954$5,099
22 years$33,880$26,765$20,939$16,243$12,508$4,307
23 years$32,064$25,033$19,334$14,793$11,228$3,641
24 years$30,402$23,454$17,881$13,492$10,092$3,080
25 years$28,875$22,010$16,561$12,321$9,081$2,606
26 years$27,468$20,686$15,359$11,266$8,180$2,207
27 years$26,168$19,468$14,263$10,312$7,375$1,869
28 years$24,962$18,345$13,259$9,448$6,655$1,584
29 years$23,842$17,306$12,339$8,664$6,009$1,343
30 years$22,798$16,344$11,493$7,951$5,429$1,138
31 years$21,824$15,450$10,715$7,303$4,909$965
32 years$20,912$14,619$9,997$6,711$4,440$819
33 years$20,058$13,845$9,334$6,172$4,018$694
34 years$19,255$13,122$8,721$5,679$3,638$589
35 years$18,500$12,446$8,154$5,227$3,295$500
36 years$17,788$11,813$7,628$4,814$2,986$424
37 years$17,117$11,219$7,139$4,436$2,706$360
38 years$16,482$10,662$6,686$4,089$2,453$305
39 years$15,881$10,139$6,264$3,770$2,225$259
40 years$15,312$9,646$5,871$3,477$2,018$220
41 years$14,772$9,182$5,505$3,208$1,831$187
42 years$14,259$8,745$5,164$2,961$1,661$158
43 years$13,771$8,332$4,846$2,733$1,508$134
44 years$13,307$7,942$4,549$2,524$1,368$114
45 years$12,865$7,574$4,271$2,331$1,242$97
46 years$12,443$7,225$4,011$2,153$1,128$82
47 years$12,040$6,895$3,769$1,989$1,024$70
48 years$11,655$6,582$3,541$1,838$930$59
49 years$11,287$6,286$3,329$1,698$845$50
50 years$10,935$6,004$3,130$1,570$767$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,200,000, adding $2,456 every year, while hoping to spend $32,774 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: 51/30/19 Blend
49$11,200,000$11,200,000$11,200,000$11,200,000
50$12,344,933$11,751,333$11,577,733$12,909,521
51$13,569,245$12,292,277$11,930,716$13,839,891
52$14,917,339$12,858,629$12,294,425$14,847,277
53$16,401,804$13,451,599$12,669,186$15,941,857
54$18,036,517$14,072,456$13,055,332$17,131,893
55$19,836,765$14,722,529$13,453,209$18,426,463
56$21,819,394$15,403,213$13,863,171$19,835,544
57$24,002,969$16,115,967$14,285,583$21,370,102
58$26,407,945$16,862,323$14,720,824$23,042,188
59$29,056,864$17,643,886$15,169,281$24,865,052
60$31,974,566$18,462,337$15,631,353$26,853,263
61$35,188,420$19,319,441$16,107,452$29,022,839
62$38,728,590$20,217,044$16,598,002$31,391,398
63$42,628,313$21,157,085$17,103,442$33,978,314
64$46,924,213$22,141,595$17,624,219$36,804,900
65$51,656,651$23,172,701$18,160,799$39,894,600
66$56,870,102$24,252,637$18,713,658$43,273,205
67$62,613,576$25,383,739$19,283,290$46,969,094
68$68,941,080$26,568,462$19,870,199$51,013,490
69$75,912,129$27,809,375$20,474,909$55,440,754
70$83,592,304$29,109,173$21,097,957$60,288,698
71$92,053,878$30,470,681$21,739,898$65,598,938
72$101,376,490$31,896,861$22,401,300$71,417,276
73$111,647,901$33,390,816$23,082,753$77,794,130
74$122,964,823$34,955,802$23,784,861$84,784,996
75$135,433,829$36,595,231$24,508,248$92,450,967
76$149,172,362$38,312,679$25,253,557$100,859,299
77$164,309,840$40,111,897$26,021,448$110,084,040
78$180,988,880$41,996,817$26,812,603$120,206,713
79$199,366,645$43,971,560$27,627,724$131,317,083
80$219,616,324$46,040,448$28,467,534$143,513,987
81$241,928,770$48,208,011$29,332,778$156,906,261
82$266,514,300$50,478,999$30,224,222$171,613,753
83$293,604,682$52,858,393$31,142,656$187,768,443
84$323,455,319$55,351,414$32,088,895$205,515,677
85$356,347,665$57,963,536$33,063,776$225,015,523
86$392,591,876$60,700,499$34,068,162$246,444,274
87$432,529,745$63,568,321$35,102,943$269,996,091
88$476,537,921$66,573,311$36,169,034$295,884,825
89$525,031,472$69,722,086$37,267,379$324,346,019
90$578,467,794$73,021,580$38,398,948$355,639,113
91$637,350,940$76,479,068$39,564,744$390,049,881
92$702,236,368$80,102,175$40,765,795$427,893,103
93$773,736,193$83,898,897$42,003,165$469,515,525
94$852,524,959$87,877,617$43,277,945$515,299,108
95$939,346,010$92,047,126$44,591,262$565,664,614
96$1,035,018,509$96,416,641$45,944,275$621,075,557
97$1,140,445,169$100,995,828$47,338,180$682,042,556
98$1,256,620,772$105,794,820$48,774,205$749,128,132
99$1,384,641,569$110,824,244$50,253,619$822,951,989
100$1,525,715,619$116,095,242$51,777,725$904,196,847