Can I retire at age 50 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$949,659$941,200$932,947$924,892$917,026$910,103
2 years$470,128$461,373$452,887$444,660$436,679$429,699
3 years$310,306$301,512$293,048$284,898$277,047$270,227
4 years$230,410$221,643$213,264$205,253$197,592$190,984
5 years$182,485$173,771$165,501$157,654$150,207$143,830
6 years$150,546$141,897$133,750$126,077$118,853$112,716
7 years$127,741$119,165$111,147$103,655$96,660$90,765
8 years$110,645$102,146$94,261$86,953$80,188$74,536
9 years$97,355$88,937$81,187$74,065$67,530$62,118
10 years$86,729$78,393$70,781$63,845$57,539$52,365
11 years$78,041$69,789$62,314$55,564$49,486$44,546
12 years$70,806$62,639$55,302$48,737$42,883$38,173
13 years$64,689$56,607$49,409$43,028$37,395$32,909
14 years$59,451$51,454$44,394$38,195$32,780$28,514
15 years$54,914$47,005$40,082$34,063$28,862$24,809
16 years$50,949$43,126$36,340$30,500$25,509$21,662
17 years$47,454$39,717$33,068$27,404$22,618$18,972
18 years$44,351$36,701$30,187$24,697$20,111$16,659
19 years$41,578$34,014$27,635$22,315$17,925$14,661
20 years$39,085$31,607$25,362$20,211$16,011$12,927
21 years$36,832$29,441$23,328$18,343$14,328$11,418
22 years$34,787$27,482$21,500$16,678$12,843$10,099
23 years$32,923$25,703$19,852$15,189$11,529$8,944
24 years$31,216$24,082$18,359$13,853$10,362$7,931
25 years$29,649$22,600$17,005$12,651$9,324$7,039
26 years$28,204$21,240$15,771$11,568$8,399$6,253
27 years$26,869$19,990$14,645$10,588$7,572$5,559
28 years$25,631$18,836$13,614$9,701$6,833$4,945
29 years$24,481$17,770$12,669$8,896$6,170$4,402
30 years$23,409$16,782$11,801$8,164$5,575$3,920
31 years$22,408$15,864$11,002$7,498$5,040$3,493
32 years$21,472$15,011$10,265$6,891$4,559$3,113
33 years$20,595$14,215$9,584$6,337$4,126$2,776
34 years$19,771$13,473$8,955$5,831$3,736$2,477
35 years$18,995$12,779$8,372$5,367$3,384$2,210
36 years$18,265$12,129$7,832$4,943$3,066$1,972
37 years$17,575$11,520$7,331$4,555$2,779$1,761
38 years$16,923$10,948$6,865$4,198$2,519$1,572
39 years$16,307$10,410$6,432$3,871$2,284$1,404
40 years$15,722$9,905$6,028$3,570$2,072$1,254
41 years$15,168$9,428$5,653$3,294$1,880$1,120
42 years$14,641$8,979$5,302$3,040$1,706$1,001
43 years$14,140$8,555$4,976$2,806$1,548$894
44 years$13,664$8,155$4,670$2,591$1,405$799
45 years$13,209$7,777$4,385$2,393$1,276$714
46 years$12,776$7,419$4,119$2,210$1,158$639
47 years$12,363$7,080$3,870$2,042$1,052$571
48 years$11,967$6,758$3,636$1,887$955$510
49 years$11,590$6,454$3,418$1,744$867$456
50 years$11,228$6,165$3,213$1,612$788$408

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $11,500,000, adding $3,896 every year, while hoping to spend $28,011 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: 78/11/11 Blend
49$11,500,000$11,500,000$11,500,000$11,500,000
50$12,677,019$12,067,519$11,889,269$13,640,405
51$13,940,271$12,629,024$12,257,756$14,835,927
52$15,331,437$13,217,104$12,637,648$16,142,847
53$16,863,532$13,833,031$13,029,299$17,575,458
54$18,550,903$14,478,140$13,433,071$19,146,285
55$20,409,355$15,153,829$13,849,339$20,869,118
56$22,456,307$15,861,564$14,278,489$22,759,144
57$24,710,951$16,602,881$14,720,919$24,833,081
58$27,194,438$17,379,393$15,177,040$27,109,343
59$29,930,075$18,192,787$15,647,275$29,608,207
60$32,943,543$19,044,834$16,132,059$32,352,000
61$36,263,144$19,937,390$16,631,842$35,365,316
62$39,920,064$20,872,401$17,147,088$38,675,239
63$43,948,669$21,851,908$17,678,275$42,311,597
64$48,386,830$22,878,048$18,225,894$46,307,246
65$53,276,278$23,953,064$18,790,453$50,698,372
66$58,663,001$25,079,307$19,372,475$55,524,837
67$64,597,675$26,259,240$19,972,501$60,830,544
68$71,136,143$27,495,448$20,591,085$66,663,856
69$78,339,944$28,790,640$21,228,801$73,078,047
70$86,276,893$30,147,656$21,886,240$80,131,803
71$95,021,718$31,569,473$22,564,011$87,889,771
72$104,656,769$33,059,213$23,262,742$96,423,167
73$115,272,795$34,620,150$23,983,079$105,810,446
74$126,969,799$36,255,716$24,725,691$116,138,038
75$139,857,981$37,969,508$25,491,264$127,501,162
76$154,058,781$39,765,300$26,280,507$140,004,719
77$169,706,024$41,647,048$27,094,151$153,764,278
78$186,947,183$43,618,898$27,932,950$168,907,166
79$205,944,772$45,685,200$28,797,680$185,573,663
80$226,877,877$47,850,513$29,689,141$203,918,322
81$249,943,851$50,119,619$30,608,158$224,111,426
82$275,360,175$52,497,531$31,555,582$246,340,587
83$303,366,508$54,989,505$32,532,289$270,812,514
84$334,226,954$57,601,053$33,539,183$297,754,959
85$368,232,553$60,337,955$34,577,196$327,418,861
86$405,704,028$63,206,270$35,647,287$360,080,709
87$446,994,814$66,212,352$36,750,446$396,045,148
88$492,494,394$69,362,865$37,887,694$435,647,847
89$542,631,972$72,664,796$39,060,082$479,258,658
90$597,880,533$76,125,471$40,268,695$527,285,110
91$658,761,300$79,752,571$41,514,649$580,176,239
92$725,848,659$83,554,154$42,799,096$638,426,824
93$799,775,581$87,538,666$44,123,224$702,582,052
94$881,239,595$91,714,966$45,488,257$773,242,653
95$971,009,376$96,092,341$46,895,456$851,070,565
96$1,069,932,000$100,680,534$48,346,122$936,795,171
97$1,178,940,941$105,489,757$49,841,594$1,031,220,182
98$1,299,064,885$110,530,723$51,383,254$1,135,231,206
99$1,431,437,437$115,814,662$52,972,528$1,249,804,105
100$1,577,307,830$121,353,355$54,610,881$1,376,014,194