Can I retire at age 50 with 13,900,000?

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 $13,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$1,147,849$1,137,625$1,127,649$1,117,913$1,108,406$1,082,489
2 years$568,242$557,659$547,403$537,458$527,812$501,850
3 years$375,065$364,436$354,206$344,355$334,866$309,668
4 years$278,495$267,899$257,771$248,088$238,829$214,590
5 years$220,569$210,036$200,041$190,555$181,554$158,341
6 years$181,964$171,510$161,663$152,389$143,658$121,495
7 years$154,399$144,034$134,343$125,287$116,832$95,723
8 years$133,736$123,464$113,933$105,100$96,923$76,859
9 years$117,672$107,498$98,131$89,522$81,624$62,589
10 years$104,829$94,754$85,552$77,169$69,547$51,521
11 years$94,328$84,354$75,319$67,160$59,813$42,770
12 years$85,583$75,711$66,844$58,908$51,833$35,746
13 years$78,190$68,421$59,720$52,007$45,199$30,038
14 years$71,858$62,193$53,659$46,166$39,621$25,354
15 years$66,375$56,814$48,447$41,172$34,886$21,479
16 years$61,582$52,126$43,924$36,865$30,832$18,251
17 years$57,358$48,006$39,969$33,123$27,338$15,548
18 years$53,607$44,360$36,487$29,851$24,308$13,273
19 years$50,255$41,112$33,402$26,973$21,666$11,352
20 years$47,242$38,203$30,655$24,429$19,352$9,723
21 years$44,519$35,585$28,196$22,171$17,318$8,339
22 years$42,047$33,217$25,987$20,158$15,523$7,160
23 years$39,794$31,067$23,995$18,359$13,935$6,153
24 years$37,731$29,108$22,191$16,744$12,525$5,292
25 years$35,836$27,317$20,553$15,292$11,270$4,555
26 years$34,090$25,673$19,062$13,982$10,152$3,923
27 years$32,476$24,161$17,701$12,798$9,153$3,380
28 years$30,980$22,767$16,455$11,726$8,259$2,913
29 years$29,590$21,478$15,313$10,753$7,457$2,512
30 years$28,294$20,284$14,264$9,868$6,738$2,167
31 years$27,085$19,175$13,297$9,063$6,092$1,870
32 years$25,954$18,144$12,407$8,329$5,511$1,613
33 years$24,893$17,182$11,584$7,660$4,987$1,393
34 years$23,897$16,285$10,824$7,047$4,515$1,202
35 years$22,960$15,446$10,119$6,488$4,090$1,038
36 years$22,076$14,660$9,466$5,975$3,705$897
37 years$21,243$13,924$8,860$5,505$3,358$774
38 years$20,455$13,233$8,297$5,074$3,045$669
39 years$19,710$12,583$7,774$4,679$2,761$578
40 years$19,003$11,972$7,286$4,315$2,504$499
41 years$18,333$11,396$6,832$3,981$2,272$431
42 years$17,697$10,853$6,409$3,674$2,062$373
43 years$17,091$10,341$6,014$3,392$1,871$322
44 years$16,515$9,857$5,645$3,132$1,698$278
45 years$15,966$9,400$5,301$2,892$1,542$240
46 years$15,442$8,967$4,978$2,672$1,400$208
47 years$14,943$8,557$4,677$2,468$1,271$180
48 years$14,465$8,169$4,395$2,281$1,154$155
49 years$14,008$7,801$4,131$2,108$1,048$134
50 years$13,571$7,452$3,884$1,948$952$116

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $13,900,000, adding $5,435 every year, while hoping to spend $32,940 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: 32/48/20 Blend
49$13,900,000$13,900,000$13,900,000$13,900,000
50$15,323,406$14,586,706$14,371,256$15,718,531
51$16,851,346$15,266,407$14,817,645$16,694,410
52$18,534,031$15,978,309$15,277,885$17,741,450
53$20,387,212$16,723,955$15,752,403$18,868,558
54$22,428,242$17,504,964$16,241,643$20,082,760
55$24,676,245$18,323,030$16,746,061$21,391,748
56$27,152,296$19,179,932$17,266,127$22,803,946
57$29,879,614$20,077,532$17,802,327$24,328,581
58$32,883,788$21,017,786$18,355,159$25,975,763
59$36,193,017$22,002,739$18,925,139$27,756,575
60$39,838,373$23,034,541$19,512,799$29,683,164
61$43,854,095$24,115,442$20,118,686$31,768,852
62$48,277,915$25,247,801$20,743,364$34,028,249
63$53,151,412$26,434,093$21,387,417$36,477,384
64$58,520,404$27,676,912$22,051,443$39,133,844
65$64,435,381$28,978,976$22,736,062$42,016,932
66$70,951,982$30,343,138$23,441,912$45,147,835
67$78,131,517$31,772,385$24,169,649$48,549,815
68$86,041,552$33,269,852$24,919,953$52,248,416
69$94,756,540$34,838,824$25,693,521$56,271,692
70$104,358,528$36,482,747$26,491,074$60,650,460
71$114,937,928$38,205,232$27,313,355$65,418,576
72$126,594,374$40,010,065$28,161,130$70,613,239
73$139,437,659$41,901,218$29,035,188$76,275,330
74$153,588,776$43,882,854$29,936,342$82,449,778
75$169,181,054$45,959,336$30,865,432$89,185,974
76$186,361,420$48,135,242$31,823,323$96,538,213
77$205,291,786$50,415,370$32,810,905$104,566,191
78$226,150,577$52,804,752$33,829,099$113,335,553
79$249,134,414$55,308,663$34,878,852$122,918,487
80$274,459,972$57,932,635$35,961,141$133,394,388
81$302,366,022$60,682,467$37,076,972$144,850,586
82$333,115,690$63,564,242$38,227,385$157,383,147
83$366,998,937$66,584,336$39,413,449$171,097,754
84$404,335,297$69,749,437$40,636,267$186,110,683
85$445,476,893$73,066,555$41,896,978$202,549,873
86$490,811,763$76,543,043$43,196,754$220,556,105
87$540,767,520$80,186,610$44,536,803$240,284,306
88$595,815,394$84,005,340$45,918,372$261,904,977
89$656,474,672$88,007,710$47,342,745$285,605,775
90$723,317,609$92,202,608$48,811,248$311,593,249
91$796,974,825$96,599,356$50,325,245$340,094,755
92$878,141,260$101,207,727$51,886,143$371,360,572
93$967,582,734$106,037,971$53,495,394$405,666,217
94$1,066,143,176$111,100,835$55,154,494$443,315,016
95$1,174,752,595$116,407,591$56,864,984$484,640,921
96$1,294,435,853$121,970,056$58,628,454$530,011,618
97$1,426,322,345$127,800,624$60,446,543$579,831,958
98$1,571,656,662$133,912,292$62,320,940$634,547,725
99$1,731,810,337$140,318,690$64,253,386$694,649,801
100$1,908,294,794$147,034,109$66,245,678$760,678,742