Can I retire at age 50 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,016,063
2 years$535,538$525,564$515,897$506,525$497,434$468,880
3 years$353,479$343,462$333,820$324,536$315,593$287,927
4 years$262,467$252,481$242,935$233,810$225,083$198,519
5 years$207,874$197,948$188,528$179,588$171,105$145,715
6 years$171,491$161,639$152,358$143,618$135,389$111,198
7 years$145,513$135,744$126,611$118,076$110,108$87,116
8 years$126,039$116,358$107,376$99,051$91,345$69,540
9 years$110,900$101,311$92,483$84,370$76,926$56,288
10 years$98,796$89,300$80,629$72,728$65,545$46,047
11 years$88,899$79,499$70,984$63,295$56,371$37,983
12 years$80,658$71,354$62,997$55,518$48,850$31,537
13 years$73,689$64,483$56,283$49,014$42,598$26,324
14 years$67,722$58,613$50,571$43,509$37,341$22,067
15 years$62,555$53,544$45,659$38,803$32,878$18,564
16 years$58,038$49,126$41,396$34,744$29,058$15,662
17 years$54,057$45,243$37,669$31,217$25,764$13,246
18 years$50,522$41,807$34,387$28,133$22,909$11,225
19 years$47,362$38,746$31,480$25,420$20,419$9,528
20 years$44,523$36,005$28,890$23,023$18,239$8,100
21 years$41,957$33,537$26,574$20,895$16,321$6,894
22 years$39,627$31,305$24,492$18,998$14,630$5,873
23 years$37,503$29,279$22,614$17,302$13,133$5,008
24 years$35,559$27,433$20,914$15,780$11,804$4,273
25 years$33,774$25,744$19,370$14,412$10,622$3,648
26 years$32,128$24,196$17,965$13,177$9,568$3,117
27 years$30,607$22,771$16,682$12,061$8,626$2,664
28 years$29,197$21,457$15,508$11,051$7,783$2,277
29 years$27,887$20,242$14,432$10,134$7,028$1,948
30 years$26,666$19,117$13,443$9,300$6,350$1,666
31 years$25,526$18,071$12,532$8,542$5,741$1,426
32 years$24,460$17,099$11,693$7,850$5,194$1,220
33 years$23,460$16,193$10,918$7,219$4,700$1,045
34 years$22,521$15,348$10,201$6,642$4,255$894
35 years$21,638$14,557$9,537$6,114$3,854$766
36 years$20,806$13,817$8,922$5,631$3,492$656
37 years$20,020$13,123$8,350$5,188$3,165$562
38 years$19,278$12,471$7,820$4,782$2,869$481
39 years$18,575$11,859$7,326$4,409$2,602$412
40 years$17,910$11,283$6,867$4,067$2,360$353
41 years$17,278$10,740$6,439$3,752$2,141$302
42 years$16,678$10,229$6,040$3,463$1,943$259
43 years$16,108$9,746$5,668$3,197$1,763$222
44 years$15,565$9,290$5,320$2,952$1,601$190
45 years$15,047$8,859$4,995$2,726$1,453$163
46 years$14,554$8,451$4,692$2,518$1,319$140
47 years$14,083$8,065$4,408$2,326$1,198$120
48 years$13,632$7,699$4,142$2,150$1,088$102
49 years$13,202$7,352$3,893$1,987$988$88
50 years$12,790$7,023$3,660$1,836$898$75

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,100,000, adding $5,570 every year, while hoping to spend $26,037 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: 45/48/7 Blend
49$13,100,000$13,100,000$13,100,000$13,100,000
50$14,441,945$13,747,645$13,544,595$15,063,447
51$15,887,321$14,393,577$13,970,636$16,138,670
52$17,479,252$15,070,286$14,410,077$17,300,699
53$19,232,659$15,779,254$14,863,338$18,560,050
54$21,163,986$16,522,033$15,330,856$19,925,688
55$23,291,351$17,300,251$15,813,077$21,407,451
56$25,634,718$18,115,613$16,310,465$23,016,132
57$28,216,090$18,969,909$16,823,497$24,763,578
58$31,059,711$19,865,014$17,352,664$26,662,791
59$34,192,297$20,802,896$17,898,473$28,728,047
60$37,643,289$21,785,615$18,461,449$30,975,021
61$41,445,128$22,815,333$19,042,131$33,420,929
62$45,633,564$23,894,318$19,641,076$36,084,682
63$50,247,994$25,024,946$20,258,858$38,987,053
64$55,331,829$26,209,708$20,896,070$42,150,868
65$60,932,910$27,451,218$21,553,323$45,601,211
66$67,103,954$28,752,214$22,231,246$49,365,651
67$73,903,054$30,115,570$22,930,490$53,474,488
68$81,394,230$31,544,297$23,651,725$57,961,035
69$89,648,027$33,041,553$24,395,643$62,861,916
70$98,742,186$34,610,650$25,162,958$68,217,402
71$108,762,376$36,255,059$25,954,404$74,071,778
72$119,803,003$37,978,421$26,770,741$80,473,746
73$131,968,100$39,784,555$27,612,752$87,476,878
74$145,372,311$41,677,462$28,481,244$95,140,098
75$160,141,970$43,661,342$29,377,049$103,528,230
76$176,416,298$45,740,594$30,301,027$112,712,591
77$194,348,712$47,919,835$31,254,063$122,771,650
78$214,108,278$50,203,904$32,237,071$133,791,749
79$235,881,303$52,597,876$33,250,994$145,867,902
80$259,873,098$55,107,074$34,296,804$159,104,672
81$286,309,910$57,737,077$35,375,504$173,617,139
82$315,441,065$60,493,738$36,488,127$189,531,964
83$347,541,315$63,383,192$37,635,741$206,988,564
84$382,913,436$66,411,876$38,819,445$226,140,406
85$421,891,086$69,586,536$40,040,375$247,156,430
86$464,841,950$72,914,250$41,299,702$270,222,620
87$512,171,219$76,402,439$42,598,631$295,543,733
88$564,325,408$80,058,883$43,938,410$323,345,206
89$621,796,575$83,891,744$45,320,323$353,875,252
90$685,126,966$87,909,579$46,745,693$387,407,175
91$754,914,131$92,121,363$48,215,889$424,241,919
92$831,816,570$96,536,508$49,732,319$464,710,874
93$916,559,945$101,164,882$51,296,437$509,178,973
94$1,009,943,935$106,016,836$52,909,742$558,048,094
95$1,112,849,779$111,103,224$54,573,782$611,760,823
96$1,226,248,605$116,435,430$56,290,151$670,804,589
97$1,351,210,587$122,025,390$58,060,496$735,716,221
98$1,488,915,056$127,885,624$59,886,512$807,086,977
99$1,640,661,633$134,029,261$61,769,952$885,568,075
100$1,807,882,494$140,470,069$63,712,619$971,876,795