Can I retire at age 50 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$148,642$147,318$146,027$144,766$143,535$138,167
2 years$73,585$72,215$70,887$69,599$68,350$63,004
3 years$48,570$47,193$45,868$44,593$43,364$38,207
4 years$36,064$34,692$33,380$32,127$30,928$26,000
5 years$28,563$27,199$25,905$24,676$23,511$18,824
6 years$23,564$22,210$20,935$19,734$18,603$14,162
7 years$19,994$18,652$17,397$16,224$15,129$10,931
8 years$17,318$15,988$14,754$13,610$12,551$8,593
9 years$15,238$13,921$12,708$11,593$10,570$6,846
10 years$13,575$12,270$11,079$9,993$9,006$5,510
11 years$12,215$10,924$9,754$8,697$7,746$4,469
12 years$11,083$9,804$8,656$7,628$6,712$3,647
13 years$10,125$8,860$7,734$6,735$5,853$2,991
14 years$9,305$8,054$6,949$5,978$5,131$2,462
15 years$8,595$7,357$6,274$5,332$4,518$2,034
16 years$7,975$6,750$5,688$4,774$3,993$1,684
17 years$7,428$6,217$5,176$4,289$3,540$1,397
18 years$6,942$5,744$4,725$3,866$3,148$1,161
19 years$6,508$5,324$4,325$3,493$2,806$967
20 years$6,118$4,947$3,970$3,163$2,506$806
21 years$5,765$4,608$3,651$2,871$2,243$672
22 years$5,445$4,302$3,365$2,610$2,010$561
23 years$5,153$4,023$3,107$2,377$1,804$469
24 years$4,886$3,769$2,874$2,168$1,622$392
25 years$4,641$3,537$2,662$1,980$1,459$328
26 years$4,415$3,325$2,468$1,811$1,315$274
27 years$4,206$3,129$2,292$1,657$1,185$229
28 years$4,012$2,948$2,131$1,518$1,069$192
29 years$3,832$2,781$1,983$1,392$966$161
30 years$3,664$2,627$1,847$1,278$873$135
31 years$3,507$2,483$1,722$1,174$789$113
32 years$3,361$2,350$1,607$1,079$714$94
33 years$3,224$2,225$1,500$992$646$79
34 years$3,095$2,109$1,402$913$585$66
35 years$2,973$2,000$1,310$840$530$56
36 years$2,859$1,898$1,226$774$480$47
37 years$2,751$1,803$1,147$713$435$39
38 years$2,649$1,714$1,074$657$394$33
39 years$2,552$1,629$1,007$606$358$27
40 years$2,461$1,550$944$559$324$23
41 years$2,374$1,476$885$516$294$19
42 years$2,292$1,405$830$476$267$16
43 years$2,213$1,339$779$439$242$14
44 years$2,139$1,276$731$406$220$11
45 years$2,068$1,217$686$375$200$9
46 years$2,000$1,161$645$346$181$8
47 years$1,935$1,108$606$320$165$7
48 years$1,873$1,058$569$295$149$6
49 years$1,814$1,010$535$273$136$5
50 years$1,757$965$503$252$123$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,800,000, adding $2,166 every year, while hoping to spend $46,200 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: 24/46/30 Blend
49$1,800,000$1,800,000$1,800,000$1,800,000
50$1,985,834$1,890,434$1,862,534$2,014,775
51$2,139,233$1,933,909$1,875,773$2,083,361
52$2,306,730$1,977,966$1,887,906$2,152,771
53$2,489,714$2,022,584$1,898,849$2,226,180
54$2,689,715$2,067,741$1,908,511$2,303,956
55$2,908,417$2,113,411$1,916,797$2,386,503
56$3,147,674$2,159,567$1,923,608$2,474,265
57$3,409,527$2,206,175$1,928,838$2,567,735
58$3,696,223$2,253,203$1,932,379$2,667,457
59$4,010,239$2,300,610$1,934,115$2,774,032
60$4,354,300$2,348,357$1,933,924$2,888,123
61$4,731,408$2,396,396$1,931,680$3,010,462
62$5,144,869$2,444,677$1,927,249$3,141,859
63$5,598,326$2,493,146$1,920,492$3,283,207
64$6,095,788$2,541,744$1,911,262$3,435,492
65$6,641,675$2,590,405$1,899,406$3,599,806
66$7,240,852$2,639,061$1,884,761$3,777,350
67$7,898,679$2,687,635$1,867,161$3,969,455
68$8,621,061$2,736,046$1,846,428$4,177,588
69$9,414,502$2,784,206$1,822,376$4,403,369
70$10,286,169$2,832,019$1,794,813$4,648,587
71$11,243,954$2,879,384$1,763,536$4,915,220
72$12,296,554$2,926,191$1,728,331$5,205,446
73$13,453,549$2,972,321$1,688,977$5,521,676
74$14,725,495$3,017,648$1,645,241$5,866,567
75$16,124,019$3,062,036$1,596,880$6,243,053
76$17,661,933$3,105,340$1,543,639$6,654,375
77$19,353,351$3,147,403$1,485,253$7,104,108
78$21,213,827$3,188,060$1,421,443$7,596,199
79$23,260,493$3,227,131$1,351,917$8,135,002
80$25,512,230$3,264,427$1,276,373$8,725,326
81$27,989,838$3,299,743$1,194,491$9,372,476
82$30,716,235$3,332,865$1,105,941$10,082,304
83$33,716,675$3,363,559$1,010,374$10,861,273
84$37,018,982$3,391,580$907,428$11,716,508
85$40,653,816$3,416,665$796,724$12,655,876
86$44,654,958$3,438,535$677,867$13,688,053
87$49,059,632$3,456,891$550,444$14,822,613
88$53,908,854$3,471,418$414,023$16,070,117
89$59,247,818$3,481,778$268,154$17,442,217
90$65,126,324$3,487,614$112,366$18,951,766
91$71,599,248$3,488,546$0$20,612,941
92$78,727,056$3,484,170$0$22,458,632
93$86,576,379$3,474,057$0$24,528,344
94$95,220,635$3,457,752$0$26,805,268
95$104,740,731$3,434,772$0$29,310,568
96$115,225,815$3,404,606$0$32,067,573
97$126,774,126$3,366,709$0$35,102,002
98$139,493,915$3,320,507$0$38,442,206
99$153,504,472$3,265,389$0$42,119,438
100$168,937,244$3,200,708$0$46,168,151