Can I retire at age 50 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$429,411$425,586$421,854$418,212$414,655$403,486
2 years$212,580$208,621$204,784$201,063$197,455$186,281
3 years$140,312$136,336$132,509$128,823$125,274$114,446
4 years$104,185$100,221$96,432$92,810$89,346$78,948
5 years$82,515$78,575$74,835$71,287$67,919$57,979
6 years$68,073$64,162$60,478$57,009$53,742$44,269
7 years$57,761$53,883$50,258$46,870$43,707$34,701
8 years$50,031$46,188$42,622$39,318$36,259$27,717
9 years$44,021$40,215$36,711$33,490$30,535$22,448
10 years$39,217$35,447$32,005$28,869$26,018$18,375
11 years$35,288$31,557$28,177$25,125$22,376$15,167
12 years$32,017$28,324$25,006$22,038$19,391$12,601
13 years$29,251$25,596$22,341$19,456$16,909$10,526
14 years$26,882$23,266$20,074$17,271$14,822$8,829
15 years$24,831$21,254$18,124$15,403$13,051$7,433
16 years$23,038$19,500$16,432$13,791$11,534$6,276
17 years$21,458$17,959$14,953$12,391$10,227$5,311
18 years$20,054$16,595$13,650$11,167$9,093$4,504
19 years$18,800$15,380$12,496$10,090$8,105$3,826
20 years$17,673$14,292$11,468$9,139$7,240$3,255
21 years$16,655$13,312$10,548$8,294$6,479$2,773
22 years$15,730$12,427$9,722$7,541$5,807$2,364
23 years$14,887$11,622$8,976$6,868$5,213$2,017
24 years$14,115$10,889$8,302$6,264$4,686$1,723
25 years$13,406$10,219$7,689$5,721$4,216$1,472
26 years$12,753$9,604$7,131$5,231$3,798$1,259
27 years$12,149$9,039$6,622$4,788$3,424$1,076
28 years$11,590$8,517$6,156$4,387$3,090$921
29 years$11,070$8,035$5,729$4,023$2,790$788
30 years$10,585$7,588$5,336$3,692$2,521$675
31 years$10,133$7,173$4,975$3,391$2,279$578
32 years$9,709$6,787$4,641$3,116$2,062$495
33 years$9,312$6,428$4,334$2,865$1,866$424
34 years$8,940$6,092$4,049$2,636$1,689$364
35 years$8,589$5,778$3,786$2,427$1,530$312
36 years$8,259$5,484$3,541$2,235$1,386$267
37 years$7,947$5,209$3,315$2,059$1,256$229
38 years$7,652$4,950$3,104$1,898$1,139$196
39 years$7,373$4,707$2,908$1,750$1,033$168
40 years$7,109$4,479$2,726$1,614$937$144
41 years$6,859$4,263$2,556$1,489$850$124
42 years$6,620$4,060$2,398$1,375$771$106
43 years$6,394$3,869$2,250$1,269$700$91
44 years$6,178$3,688$2,112$1,172$635$78
45 years$5,973$3,516$1,983$1,082$577$67
46 years$5,777$3,354$1,862$999$524$57
47 years$5,590$3,201$1,750$923$476$49
48 years$5,411$3,056$1,644$853$432$42
49 years$5,241$2,918$1,545$789$392$36
50 years$5,077$2,788$1,453$729$356$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $5,200,000, adding $5,544 every year, while hoping to spend $45,291 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: 54/26/20 Blend
49$5,200,000$5,200,000$5,200,000$5,200,000
50$5,736,119$5,460,519$5,379,919$6,014,354
51$6,273,013$5,679,895$5,511,957$6,424,992
52$6,863,154$5,908,502$5,646,900$6,866,529
53$7,511,922$6,146,746$5,784,798$7,346,197
54$8,225,250$6,395,048$5,925,701$7,867,651
55$9,009,672$6,653,852$6,069,658$8,434,911
56$9,872,386$6,923,618$6,216,719$9,052,396
57$10,821,324$7,204,830$6,366,934$9,724,969
58$11,865,225$7,497,993$6,520,352$10,457,980
59$13,013,719$7,803,635$6,677,024$11,257,311
60$14,277,413$8,122,308$6,837,000$12,129,437
61$15,667,997$8,454,590$7,000,328$13,081,481
62$17,198,352$8,801,083$7,167,057$14,121,284
63$18,882,667$9,162,419$7,337,237$15,257,473
64$20,736,580$9,539,259$7,510,915$16,499,542
65$22,777,320$9,932,292$7,688,140$17,857,943
66$25,023,872$10,342,240$7,868,958$19,344,180
67$27,497,156$10,769,858$8,053,417$20,970,918
68$30,220,221$11,215,937$8,241,562$22,752,099
69$33,218,467$11,681,301$8,433,438$24,703,071
70$36,519,882$12,166,816$8,629,089$26,840,735
71$40,155,304$12,673,384$8,828,558$29,183,698
72$44,158,717$13,201,952$9,031,886$31,752,448
73$48,567,567$13,753,508$9,239,115$34,569,549
74$53,423,116$14,329,087$9,450,282$37,659,845
75$58,770,833$14,929,772$9,665,426$41,050,696
76$64,660,822$15,556,694$9,884,582$44,772,235
77$71,148,294$16,211,040$10,107,783$48,857,648
78$78,294,088$16,894,049$10,335,062$53,343,483
79$86,165,246$17,607,019$10,566,448$58,269,995
80$94,835,645$18,351,307$10,801,968$63,681,525
81$104,386,693$19,128,333$11,041,646$69,626,908
82$114,908,099$19,939,585$11,285,504$76,159,940
83$126,498,718$20,786,618$11,533,562$83,339,875
84$139,267,485$21,671,060$11,785,835$91,231,985
85$153,334,443$22,594,616$12,042,334$99,908,174
86$168,831,873$23,559,069$12,303,069$109,447,648
87$185,905,546$24,566,285$12,568,044$119,937,663
88$204,716,097$25,618,219$12,837,259$131,474,343
89$225,440,543$26,716,915$13,110,711$144,163,583
90$248,273,949$27,864,515$13,388,391$158,122,047
91$273,431,275$29,063,259$13,670,285$173,478,261
92$301,149,399$30,315,494$13,956,374$190,373,822
93$331,689,359$31,623,673$14,246,633$208,964,734
94$365,338,810$32,990,370$14,541,031$229,422,871
95$402,414,745$34,418,274$14,839,532$251,937,594
96$443,266,483$35,910,204$15,142,091$276,717,537
97$488,278,970$37,469,110$15,448,657$303,992,568
98$537,876,409$39,098,080$15,759,170$334,015,951
99$592,526,265$40,800,349$16,073,565$367,066,736
100$652,743,681$42,579,302$16,391,766$403,452,381