Can I retire at age 50 with 1,850,000?

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 $1,850,000?

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$152,771$151,410$150,083$148,787$147,522$142,231
2 years$75,629$74,221$72,856$71,532$70,248$64,975
3 years$49,919$48,504$47,142$45,831$44,568$39,479
4 years$37,066$35,656$34,308$33,019$31,787$26,919
5 years$29,356$27,954$26,624$25,362$24,164$19,531
6 years$24,218$22,827$21,516$20,282$19,120$14,726
7 years$20,550$19,170$17,880$16,675$15,550$11,393
8 years$17,799$16,432$15,164$13,988$12,900$8,977
9 years$15,661$14,307$13,061$11,915$10,864$7,170
10 years$13,952$12,611$11,386$10,271$9,256$5,785
11 years$12,554$11,227$10,024$8,939$7,961$4,704
12 years$11,391$10,077$8,896$7,840$6,899$3,849
13 years$10,407$9,106$7,948$6,922$6,016$3,165
14 years$9,564$8,277$7,142$6,144$5,273$2,613
15 years$8,834$7,562$6,448$5,480$4,643$2,165
16 years$8,196$6,938$5,846$4,907$4,104$1,797
17 years$7,634$6,389$5,320$4,408$3,638$1,496
18 years$7,135$5,904$4,856$3,973$3,235$1,247
19 years$6,689$5,472$4,446$3,590$2,884$1,041
20 years$6,288$5,085$4,080$3,251$2,576$870
21 years$5,925$4,736$3,753$2,951$2,305$728
22 years$5,596$4,421$3,459$2,683$2,066$610
23 years$5,296$4,135$3,194$2,443$1,855$511
24 years$5,022$3,874$2,953$2,229$1,667$429
25 years$4,770$3,636$2,736$2,035$1,500$359
26 years$4,537$3,417$2,537$1,861$1,351$302
27 years$4,322$3,216$2,356$1,703$1,218$253
28 years$4,123$3,030$2,190$1,561$1,099$213
29 years$3,938$2,859$2,038$1,431$993$179
30 years$3,766$2,700$1,898$1,313$897$150
31 years$3,605$2,552$1,770$1,206$811$126
32 years$3,454$2,415$1,651$1,109$733$106
33 years$3,313$2,287$1,542$1,019$664$89
34 years$3,180$2,167$1,441$938$601$75
35 years$3,056$2,056$1,347$863$544$63
36 years$2,938$1,951$1,260$795$493$53
37 years$2,827$1,853$1,179$733$447$45
38 years$2,722$1,761$1,104$675$405$37
39 years$2,623$1,675$1,035$623$367$31
40 years$2,529$1,593$970$574$333$26
41 years$2,440$1,517$909$530$302$22
42 years$2,355$1,444$853$489$274$19
43 years$2,275$1,376$800$451$249$16
44 years$2,198$1,312$751$417$226$13
45 years$2,125$1,251$705$385$205$11
46 years$2,055$1,193$663$356$186$9
47 years$1,989$1,139$622$329$169$8
48 years$1,925$1,087$585$304$154$7
49 years$1,864$1,038$550$281$140$6
50 years$1,806$992$517$259$127$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,850,000, adding $5,568 every year, while hoping to spend $40,723 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: 67/24/9 Blend
49$1,850,000$1,850,000$1,850,000$1,850,000
50$2,044,443$1,946,393$1,917,718$2,177,418
51$2,209,648$1,998,438$1,938,633$2,318,521
52$2,390,338$2,051,667$1,958,883$2,467,330
53$2,588,051$2,106,097$1,978,404$2,628,945
54$2,804,478$2,161,742$1,997,127$2,804,614
55$3,041,483$2,218,616$2,014,979$2,995,707
56$3,301,117$2,276,731$2,031,884$3,203,738
57$3,585,640$2,336,100$2,047,761$3,430,369
58$3,897,541$2,396,734$2,062,526$3,677,433
59$4,239,560$2,458,644$2,076,090$3,946,948
60$4,614,715$2,521,837$2,088,360$4,241,136
61$5,026,332$2,586,323$2,099,236$4,562,446
62$5,478,072$2,652,108$2,108,615$4,913,573
63$5,973,971$2,719,196$2,116,388$5,297,487
64$6,518,470$2,787,592$2,122,442$5,717,460
65$7,116,467$2,857,296$2,126,656$6,177,095
66$7,773,351$2,928,308$2,128,904$6,680,362
67$8,495,065$3,000,627$2,129,054$7,231,633
68$9,288,152$3,074,248$2,126,968$7,835,728
69$10,159,821$3,149,164$2,122,499$8,497,953
70$11,118,015$3,225,365$2,115,495$9,224,157
71$12,171,484$3,302,840$2,105,796$10,020,783
72$13,329,869$3,381,573$2,093,234$10,894,930
73$14,603,792$3,461,546$2,077,633$11,854,419
74$16,004,955$3,542,738$2,058,810$12,907,868
75$17,546,251$3,625,123$2,036,571$14,064,772
76$19,241,886$3,708,671$2,010,713$15,335,595
77$21,107,512$3,793,350$1,981,026$16,731,866
78$23,160,376$3,879,121$1,947,287$18,266,286
79$25,419,478$3,965,942$1,909,265$19,952,855
80$27,905,755$4,053,764$1,866,717$21,806,996
81$30,642,278$4,142,534$1,819,388$23,845,706
82$33,654,466$4,232,194$1,767,012$26,087,713
83$36,970,327$4,322,677$1,709,313$28,553,656
84$40,620,724$4,413,912$1,645,998$31,266,276
85$44,639,663$4,505,819$1,576,765$34,250,634
86$49,064,616$4,598,311$1,501,294$37,534,346
87$53,936,873$4,691,295$1,419,253$41,147,842
88$59,301,932$4,784,666$1,330,296$45,124,659
89$65,209,927$4,878,312$1,234,059$49,501,750
90$71,716,103$4,972,112$1,130,162$54,319,840
91$78,881,333$5,065,934$1,018,211$59,623,803
92$86,772,697$5,159,633$897,789$65,463,094
93$95,464,113$5,253,056$768,466$71,892,210
94$105,037,033$5,346,035$629,789$78,971,206
95$115,581,210$5,438,392$481,288$86,766,264
96$127,195,552$5,529,931$322,469$95,350,314
97$139,989,046$5,620,445$152,819$104,803,728
98$154,081,792$5,709,710$0$115,215,075
99$169,606,134$5,797,486$0$126,684,668
100$186,707,912$5,883,515$0$139,333,193