Can I retire at age 50 with 13,800,000?

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 $13,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$1,139,591$1,129,440$1,119,537$1,109,870$1,100,431$1,085,331
2 years$564,154$553,647$543,464$533,591$524,015$508,829
3 years$372,367$361,815$351,657$341,877$332,457$317,656
4 years$276,492$265,972$255,917$246,303$237,111$222,810
5 years$218,982$208,525$198,602$189,185$180,248$166,488
6 years$180,655$170,277$160,500$151,292$142,624$129,422
7 years$153,289$142,998$133,376$124,386$115,992$103,352
8 years$132,774$122,576$113,113$104,344$96,226$84,147
9 years$116,826$106,724$97,425$88,878$81,036$69,513
10 years$104,075$94,072$84,937$76,614$69,047$58,070
11 years$93,649$83,747$74,777$66,677$59,383$48,942
12 years$84,967$75,167$66,363$58,485$51,460$41,543
13 years$77,627$67,929$59,291$51,633$44,874$35,469
14 years$71,341$61,745$53,273$45,834$39,336$30,427
15 years$65,897$56,405$48,098$40,876$34,635$26,207
16 years$61,139$51,751$43,608$36,600$30,610$22,648
17 years$56,945$47,661$39,682$32,885$27,141$19,628
18 years$53,221$44,041$36,224$29,636$24,133$17,052
19 years$49,893$40,816$33,162$26,779$21,510$14,844
20 years$46,902$37,929$30,434$24,253$19,213$12,945
21 years$44,199$35,329$27,994$22,011$17,194$11,307
22 years$41,745$32,978$25,800$20,013$15,412$9,889
23 years$39,507$30,844$23,822$18,226$13,834$8,658
24 years$37,460$28,899$22,031$16,624$12,435$7,588
25 years$35,579$27,120$20,405$15,182$11,189$6,656
26 years$33,845$25,489$18,925$13,881$10,079$5,843
27 years$32,243$23,988$17,574$12,706$9,087$5,133
28 years$30,757$22,603$16,337$11,641$8,199$4,512
29 years$29,377$21,324$15,203$10,675$7,404$3,968
30 years$28,091$20,138$14,161$9,797$6,690$3,491
31 years$26,890$19,037$13,202$8,998$6,048$3,072
32 years$25,767$18,013$12,318$8,269$5,471$2,705
33 years$24,714$17,059$11,501$7,604$4,951$2,382
34 years$23,725$16,168$10,746$6,997$4,483$2,098
35 years$22,794$15,335$10,047$6,441$4,060$1,849
36 years$21,918$14,555$9,398$5,932$3,679$1,629
37 years$21,090$13,824$8,797$5,465$3,334$1,436
38 years$20,308$13,138$8,238$5,038$3,023$1,266
39 years$19,568$12,493$7,718$4,645$2,741$1,116
40 years$18,867$11,886$7,234$4,284$2,486$984
41 years$18,201$11,314$6,783$3,953$2,256$868
42 years$17,569$10,775$6,363$3,648$2,047$766
43 years$16,968$10,266$5,971$3,367$1,858$675
44 years$16,396$9,786$5,604$3,109$1,686$596
45 years$15,851$9,332$5,262$2,872$1,531$526
46 years$15,331$8,902$4,943$2,652$1,390$464
47 years$14,835$8,496$4,643$2,451$1,262$409
48 years$14,361$8,110$4,364$2,264$1,146$361
49 years$13,908$7,745$4,101$2,093$1,041$318
50 years$13,474$7,398$3,856$1,934$945$281

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,800,000, adding $3,577 every year, while hoping to spend $50,604 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: 40/49/11 Blend
49$13,800,000$13,800,000$13,800,000$13,800,000
50$15,211,290$14,479,890$14,265,990$15,769,521
51$16,708,999$15,135,562$14,690,058$16,818,884
52$18,357,779$15,821,666$15,126,637$17,948,079
53$20,172,984$16,539,640$15,576,091$19,168,484
54$22,171,536$17,290,990$16,038,798$20,488,373
55$24,372,079$18,077,295$16,515,144$21,916,822
56$26,795,158$18,900,209$17,005,528$23,463,782
57$29,463,409$19,761,465$17,510,358$25,140,169
58$32,401,780$20,662,879$18,030,058$26,957,960
59$35,637,757$21,606,356$18,565,061$28,930,302
60$39,201,630$22,593,889$19,115,812$31,071,620
61$43,126,776$23,627,569$19,682,772$33,397,755
62$47,449,974$24,709,587$20,266,412$35,926,098
63$52,211,753$25,842,239$20,867,218$38,675,750
64$57,456,773$27,027,929$21,485,690$41,667,691
65$63,234,246$28,269,180$22,122,344$44,924,969
66$69,598,404$29,568,634$22,777,706$48,472,906
67$76,609,004$30,929,061$23,452,323$52,339,331
68$84,331,901$32,353,363$24,146,754$56,554,826
69$92,839,659$33,844,582$24,861,574$61,153,008
70$102,212,244$35,405,907$25,597,377$66,170,833
71$112,537,776$37,040,679$26,354,773$71,648,931
72$123,913,359$38,752,402$27,134,387$77,631,977
73$136,445,998$40,544,746$27,936,865$84,169,099
74$150,253,610$42,421,559$28,762,871$91,314,330
75$165,466,138$44,386,875$29,613,086$99,127,098
76$182,226,773$46,444,921$30,488,214$107,672,776
77$200,693,311$48,600,129$31,388,976$117,023,279
78$221,039,637$50,857,143$32,316,115$127,257,730
79$243,457,369$53,220,833$33,270,394$138,463,182
80$268,157,669$55,696,301$34,252,600$150,735,429
81$295,373,229$58,288,899$35,263,541$164,179,883
82$325,360,477$61,004,233$36,304,048$178,912,556
83$358,401,988$63,848,183$37,374,976$195,061,125
84$394,809,158$66,826,911$38,477,204$212,766,121
85$434,925,139$69,946,877$39,611,638$232,182,231
86$479,128,082$73,214,852$40,779,206$253,479,728
87$527,834,703$76,637,937$41,980,867$276,846,062
88$581,504,220$80,223,573$43,217,603$302,487,590
89$640,642,684$83,979,562$44,490,426$330,631,508
90$705,807,760$87,914,083$45,800,378$361,527,956
91$777,613,989$92,035,710$47,148,528$395,452,353
92$856,738,589$96,353,433$48,535,977$432,707,964
93$943,927,850$100,876,676$49,963,856$473,628,724
94$1,040,004,175$105,615,318$51,433,331$518,582,363
95$1,145,873,850$110,579,717$52,945,596$567,973,829
96$1,262,535,593$115,780,734$54,501,884$622,249,081
97$1,391,089,987$121,229,752$56,103,460$681,899,252
98$1,532,749,864$126,938,709$57,751,625$747,465,243
99$1,688,851,764$132,920,119$59,447,717$819,542,784
100$1,860,868,541$139,187,103$61,193,114$898,788,012