Can I retire at age 50 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,045,589
2 years$555,978$545,623$535,588$525,858$516,421$477,656
3 years$366,970$356,571$346,561$336,922$327,638$290,222
4 years$272,485$262,117$252,208$242,734$233,674$197,892
5 years$215,808$205,503$195,723$186,443$177,636$143,581
6 years$178,036$167,809$158,174$149,100$140,557$108,255
7 years$151,067$140,926$131,443$122,583$114,310$83,754
8 years$130,849$120,799$111,474$102,832$94,832$65,995
9 years$115,133$105,177$96,013$87,590$79,862$52,706
10 years$102,567$92,709$83,706$75,503$68,046$42,525
11 years$92,292$82,533$73,693$65,711$58,522$34,583
12 years$83,736$74,077$65,401$57,637$50,714$28,298
13 years$76,502$66,944$58,431$50,885$44,224$23,270
14 years$70,307$60,850$52,501$45,170$38,766$19,212
15 years$64,942$55,588$47,401$40,284$34,133$15,912
16 years$60,253$51,001$42,976$36,070$30,167$13,214
17 years$56,120$46,970$39,107$32,408$26,748$10,996
18 years$52,450$43,402$35,699$29,206$23,783$9,167
19 years$49,170$40,225$32,681$26,390$21,198$7,654
20 years$46,222$37,379$29,993$23,902$18,935$6,398
21 years$43,558$34,817$27,588$21,692$16,944$5,353
22 years$41,140$32,500$25,426$19,723$15,188$4,483
23 years$38,935$30,397$23,477$17,962$13,634$3,757
24 years$36,917$28,480$21,712$16,383$12,254$3,150
25 years$35,063$26,727$20,110$14,962$11,027$2,643
26 years$33,354$25,119$18,651$13,680$9,933$2,218
27 years$31,775$23,640$17,319$12,522$8,955$1,862
28 years$30,311$22,276$16,100$11,473$8,080$1,564
29 years$28,951$21,015$14,983$10,521$7,296$1,313
30 years$27,684$19,846$13,956$9,655$6,593$1,104
31 years$26,500$18,761$13,010$8,868$5,961$927
32 years$25,393$17,752$12,139$8,150$5,392$779
33 years$24,356$16,811$11,334$7,494$4,880$655
34 years$23,381$15,933$10,590$6,895$4,418$551
35 years$22,464$15,113$9,901$6,348$4,001$463
36 years$21,600$14,344$9,262$5,846$3,625$389
37 years$20,785$13,624$8,669$5,386$3,286$327
38 years$20,014$12,947$8,118$4,965$2,979$275
39 years$19,284$12,311$7,606$4,578$2,701$231
40 years$18,593$11,713$7,129$4,222$2,450$195
41 years$17,938$11,150$6,685$3,896$2,223$164
42 years$17,315$10,619$6,271$3,595$2,017$138
43 years$16,723$10,118$5,884$3,319$1,831$116
44 years$16,159$9,644$5,523$3,064$1,662$97
45 years$15,622$9,197$5,186$2,830$1,509$82
46 years$15,109$8,773$4,871$2,614$1,370$69
47 years$14,620$8,372$4,576$2,415$1,244$58
48 years$14,153$7,993$4,300$2,232$1,129$49
49 years$13,706$7,632$4,042$2,062$1,026$41
50 years$13,278$7,291$3,800$1,906$932$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,600,000, adding $4,295 every year, while hoping to spend $27,868 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: 61/14/25 Blend
49$13,600,000$13,600,000$13,600,000$13,600,000
50$14,991,630$14,270,830$14,060,030$15,805,905
51$16,491,125$14,940,450$14,501,390$17,028,912
52$18,142,635$15,641,946$14,956,601$18,359,799
53$19,961,635$16,376,853$15,426,099$19,811,876
54$21,965,179$17,146,776$15,910,330$21,396,960
55$24,172,059$17,953,400$16,409,759$23,128,049
56$26,602,984$18,798,492$16,924,861$25,019,447
57$29,280,773$19,683,902$17,456,128$27,086,892
58$32,230,571$20,611,573$18,004,067$29,347,704
59$35,480,088$21,583,539$18,569,202$31,820,944
60$39,059,859$22,601,934$19,152,072$34,527,591
61$43,003,531$23,668,995$19,753,233$37,490,736
62$47,348,185$24,787,069$20,373,260$40,735,797
63$52,134,679$25,958,615$21,012,744$44,290,756
64$57,408,041$27,186,212$21,672,295$48,186,417
65$63,217,887$28,472,563$22,352,543$52,456,693
66$69,618,897$29,820,503$23,054,138$57,138,924
67$76,671,322$31,233,005$23,777,749$62,274,223
68$84,441,560$32,713,186$24,524,067$67,907,861
69$93,002,780$34,264,313$25,293,804$74,089,686
70$102,435,612$35,889,813$26,087,695$80,874,593
71$112,828,909$37,593,278$26,906,498$88,323,035
72$124,280,586$39,378,477$27,750,994$96,501,586
73$136,898,542$41,249,359$28,621,989$105,483,569
74$150,801,682$43,210,066$29,520,314$115,349,735
75$166,121,036$45,264,942$30,446,827$126,189,026
76$183,000,998$47,418,541$31,402,412$138,099,403
77$201,600,688$49,675,637$32,387,981$151,188,767
78$222,095,455$52,041,240$33,404,475$165,575,970
79$244,678,530$54,520,599$34,452,863$181,391,928
80$269,562,852$57,119,221$35,534,147$198,780,850
81$296,983,080$59,842,880$36,649,358$217,901,592
82$327,197,803$62,697,629$37,799,560$238,929,149
83$360,491,984$65,689,819$38,985,850$262,056,293
84$397,179,652$68,826,106$40,209,362$287,495,393
85$437,606,863$72,113,472$41,471,262$315,480,400
86$482,154,969$75,559,237$42,772,755$346,269,053
87$531,244,216$79,171,080$44,115,082$380,145,300
88$585,337,713$82,957,050$45,499,525$417,421,965
89$644,945,804$86,925,590$46,927,404$458,443,692
90$710,630,886$91,085,554$48,400,082$503,590,188
91$783,012,715$95,446,225$49,918,963$553,279,793
92$862,774,262$100,017,339$51,485,498$607,973,417
93$950,668,155$104,809,107$53,101,180$668,178,879
94$1,047,523,789$109,832,235$54,767,552$734,455,685
95$1,154,255,153$115,097,953$56,486,203$807,420,296
96$1,271,869,460$120,618,034$58,258,773$887,751,936
97$1,401,476,656$126,404,829$60,086,952$976,198,982
98$1,544,299,896$132,471,286$61,972,486$1,073,586,016
99$1,701,687,094$138,830,988$63,917,173$1,180,821,594
100$1,875,123,647$145,498,176$65,922,868$1,298,906,799