Can I retire at age 50 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$751,469$744,776$738,245$731,871$725,647$700,179
2 years$372,015$365,086$358,371$351,861$345,546$320,155
3 years$245,546$238,588$231,890$225,441$219,229$194,712
4 years$182,324$175,387$168,757$162,417$156,356$132,901
5 years$144,401$137,506$130,962$124,752$118,859$96,528
6 years$119,127$112,284$105,837$99,765$94,049$72,859
7 years$101,082$94,296$87,951$82,023$76,487$56,434
8 years$87,554$80,829$74,589$68,807$63,453$44,520
9 years$77,037$70,376$64,244$58,608$53,437$35,599
10 years$68,629$62,033$56,009$50,521$45,531$28,759
11 years$61,754$55,224$49,310$43,968$39,158$23,418
12 years$56,029$49,566$43,761$38,566$33,934$19,188
13 years$51,189$44,794$39,098$34,048$29,591$15,801
14 years$47,043$40,716$35,129$30,224$25,939$13,063
15 years$43,454$37,195$31,717$26,954$22,839$10,835
16 years$40,316$34,126$28,756$24,135$20,185$9,010
17 years$37,551$31,428$26,167$21,685$17,897$7,509
18 years$35,095$29,041$23,887$19,542$15,914$6,270
19 years$32,901$26,915$21,867$17,658$14,184$5,242
20 years$30,928$25,011$20,069$15,993$12,670$4,389
21 years$29,146$23,297$18,459$14,515$11,338$3,678
22 years$27,527$21,747$17,013$13,197$10,163$3,085
23 years$26,052$20,339$15,709$12,019$9,123$2,589
24 years$24,702$19,056$14,528$10,962$8,200$2,175
25 years$23,461$17,884$13,456$10,011$7,378$1,827
26 years$22,318$16,808$12,480$9,154$6,646$1,536
27 years$21,261$15,818$11,588$8,379$5,992$1,292
28 years$20,282$14,905$10,773$7,677$5,407$1,086
29 years$19,372$14,061$10,025$7,040$4,882$914
30 years$18,524$13,279$9,338$6,461$4,411$769
31 years$17,732$12,553$8,706$5,933$3,988$647
32 years$16,991$11,878$8,122$5,453$3,608$545
33 years$16,297$11,249$7,584$5,015$3,265$459
34 years$15,645$10,661$7,086$4,614$2,956$386
35 years$15,031$10,112$6,625$4,247$2,677$325
36 years$14,453$9,598$6,197$3,912$2,426$274
37 years$13,907$9,116$5,801$3,604$2,199$231
38 years$13,392$8,663$5,432$3,322$1,993$194
39 years$12,904$8,238$5,089$3,063$1,808$164
40 years$12,441$7,838$4,770$2,825$1,640$138
41 years$12,002$7,461$4,473$2,607$1,487$116
42 years$11,586$7,105$4,196$2,406$1,350$98
43 years$11,189$6,770$3,937$2,221$1,225$82
44 years$10,812$6,453$3,696$2,050$1,112$69
45 years$10,453$6,154$3,470$1,894$1,009$58
46 years$10,110$5,870$3,259$1,749$916$49
47 years$9,783$5,602$3,062$1,616$832$41
48 years$9,470$5,348$2,877$1,493$756$35
49 years$9,171$5,107$2,705$1,380$686$29
50 years$8,885$4,878$2,543$1,276$623$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $9,100,000, adding $5,598 every year, while hoping to spend $22,340 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: 25/47/28 Blend
49$9,100,000$9,100,000$9,100,000$9,100,000
50$10,033,974$9,551,674$9,410,624$10,196,534
51$11,033,670$9,995,937$9,702,111$10,777,046
52$12,134,586$10,461,219$10,002,613$11,396,749
53$13,347,023$10,948,528$10,312,410$12,060,728
54$14,682,332$11,458,919$10,631,788$12,772,711
55$16,153,021$11,993,497$10,961,044$13,536,776
56$17,772,873$12,553,422$11,300,482$14,357,381
57$19,557,075$13,139,908$11,650,418$15,239,399
58$21,522,363$13,754,231$12,011,174$16,188,163
59$23,687,181$14,397,725$12,383,085$17,209,510
60$26,071,851$15,071,791$12,766,495$18,309,828
61$28,698,767$15,777,896$13,161,760$19,496,114
62$31,592,608$16,517,579$13,569,246$20,776,030
63$34,780,567$17,292,454$13,989,329$22,157,974
64$38,292,612$18,104,211$14,422,398$23,651,147
65$42,161,764$18,954,624$14,868,855$25,265,638
66$46,424,415$19,845,551$15,329,112$27,012,508
67$51,120,663$20,778,941$15,803,595$28,903,889
68$56,294,700$21,756,837$16,292,744$30,953,090
69$61,995,219$22,781,382$16,797,011$33,174,712
70$68,275,882$23,854,821$17,316,862$35,584,783
71$75,195,824$24,979,509$17,852,779$38,200,894
72$82,820,208$26,157,915$18,405,256$41,042,357
73$91,220,842$27,392,626$18,974,806$44,130,381
74$100,476,860$28,686,356$19,561,954$47,488,256
75$110,675,463$30,041,952$20,167,243$51,141,568
76$121,912,748$31,462,395$20,791,233$55,118,423
77$134,294,611$32,950,815$21,434,502$59,449,704
78$147,937,746$34,510,489$22,097,643$64,169,352
79$162,970,751$36,144,859$22,781,269$69,314,666
80$179,535,339$37,857,528$23,486,012$74,926,649
81$197,787,674$39,652,277$24,212,524$81,050,377
82$217,899,848$41,533,070$24,961,475$87,735,410
83$240,061,507$43,504,064$25,733,558$95,036,245
84$264,481,634$45,569,617$26,529,486$103,012,812
85$291,390,530$47,734,298$27,349,994$111,731,025
86$321,041,985$50,002,900$28,195,839$121,263,384
87$353,715,672$52,380,445$29,067,804$131,689,644
88$389,719,787$54,872,204$29,966,692$143,097,542
89$429,393,963$57,483,700$30,893,335$155,583,612
90$473,112,473$60,220,727$31,848,586$169,254,069
91$521,287,760$63,089,358$32,833,329$184,225,792
92$574,374,338$66,095,963$33,848,472$200,627,403
93$632,873,077$69,247,221$34,894,952$218,600,455
94$697,335,933$72,550,136$35,973,735$238,300,746
95$768,371,158$76,012,054$37,085,815$259,899,758
96$846,649,046$79,640,674$38,232,220$283,586,251
97$932,908,255$83,444,073$39,414,006$309,568,014
98$1,027,962,785$87,430,721$40,632,263$338,073,794
99$1,132,709,661$91,609,498$41,888,116$369,355,425
100$1,248,137,401$95,989,718$43,182,722$403,690,172