Can I retire at age 51 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,051,453
2 years$555,978$545,623$535,588$525,858$516,421$483,427
3 years$366,970$356,571$346,561$336,922$327,638$295,715
4 years$272,485$262,117$252,208$242,734$233,674$203,067
5 years$215,808$205,503$195,723$186,443$177,636$148,427
6 years$178,036$167,809$158,174$149,100$140,557$112,772
7 years$151,067$140,926$131,443$122,583$114,310$87,948
8 years$130,849$120,799$111,474$102,832$94,832$69,876
9 years$115,133$105,177$96,013$87,590$79,862$56,285
10 years$102,567$92,709$83,706$75,503$68,046$45,815
11 years$92,292$82,533$73,693$65,711$58,522$37,597
12 years$83,736$74,077$65,401$57,637$50,714$31,053
13 years$76,502$66,944$58,431$50,885$44,224$25,780
14 years$70,307$60,850$52,501$45,170$38,766$21,492
15 years$64,942$55,588$47,401$40,284$34,133$17,978
16 years$60,253$51,001$42,976$36,070$30,167$15,081
17 years$56,120$46,970$39,107$32,408$26,748$12,680
18 years$52,450$43,402$35,699$29,206$23,783$10,682
19 years$49,170$40,225$32,681$26,390$21,198$9,013
20 years$46,222$37,379$29,993$23,902$18,935$7,615
21 years$43,558$34,817$27,588$21,692$16,944$6,441
22 years$41,140$32,500$25,426$19,723$15,188$5,454
23 years$38,935$30,397$23,477$17,962$13,634$4,621
24 years$36,917$28,480$21,712$16,383$12,254$3,918
25 years$35,063$26,727$20,110$14,962$11,027$3,324
26 years$33,354$25,119$18,651$13,680$9,933$2,821
27 years$31,775$23,640$17,319$12,522$8,955$2,396
28 years$30,311$22,276$16,100$11,473$8,080$2,035
29 years$28,951$21,015$14,983$10,521$7,296$1,729
30 years$27,684$19,846$13,956$9,655$6,593$1,469
31 years$26,500$18,761$13,010$8,868$5,961$1,249
32 years$25,393$17,752$12,139$8,150$5,392$1,062
33 years$24,356$16,811$11,334$7,494$4,880$903
34 years$23,381$15,933$10,590$6,895$4,418$768
35 years$22,464$15,113$9,901$6,348$4,001$653
36 years$21,600$14,344$9,262$5,846$3,625$556
37 years$20,785$13,624$8,669$5,386$3,286$473
38 years$20,014$12,947$8,118$4,965$2,979$402
39 years$19,284$12,311$7,606$4,578$2,701$342
40 years$18,593$11,713$7,129$4,222$2,450$291
41 years$17,938$11,150$6,685$3,896$2,223$248
42 years$17,315$10,619$6,271$3,595$2,017$211
43 years$16,723$10,118$5,884$3,319$1,831$179
44 years$16,159$9,644$5,523$3,064$1,662$153
45 years$15,622$9,197$5,186$2,830$1,509$130
46 years$15,109$8,773$4,871$2,614$1,370$110
47 years$14,620$8,372$4,576$2,415$1,244$94
48 years$14,153$7,993$4,300$2,232$1,129$80
49 years$13,706$7,632$4,042$2,062$1,026$68
50 years$13,278$7,291$3,800$1,906$932$58

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $13,600,000, adding $5,810 every year, while hoping to spend $25,695 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: 84/11/5 Blend
50$13,600,000$13,600,000$13,600,000$13,600,000
51$14,993,193$14,272,393$14,061,593$16,251,867
52$16,495,159$14,944,401$14,505,317$17,745,771
53$18,149,465$15,648,476$14,963,045$19,382,105
54$19,971,622$16,386,163$15,435,218$21,178,443
55$21,978,722$17,159,080$15,922,293$23,150,817
56$24,189,602$17,968,924$16,424,739$25,316,884
57$26,625,016$18,817,476$16,943,043$27,696,086
58$29,307,837$19,706,602$17,477,704$30,309,838
59$32,263,268$20,638,257$18,029,239$33,181,722
60$35,519,083$21,614,494$18,598,180$36,337,712
61$39,105,888$22,637,462$19,185,077$39,806,416
62$43,057,408$23,709,417$19,790,497$43,619,343
63$47,410,809$24,832,724$20,415,024$47,811,199
64$52,207,045$26,009,862$21,059,262$52,420,212
65$57,491,249$27,243,430$21,723,832$57,488,492
66$63,313,152$28,536,153$22,409,376$63,062,424
67$69,727,560$29,890,891$23,116,556$69,193,103
68$76,794,866$31,310,640$23,846,056$75,936,816
69$84,581,622$32,798,542$24,598,579$83,355,567
70$93,161,169$34,357,892$25,374,853$91,517,665
71$102,614,325$35,992,145$26,175,627$100,498,358
72$113,030,150$37,704,924$27,001,674$110,380,547
73$124,506,788$39,500,028$27,853,793$121,255,560
74$137,152,391$41,381,440$28,732,806$133,224,014
75$151,086,142$43,353,338$29,639,562$146,396,761
76$166,439,378$45,420,101$30,574,937$160,895,926
77$183,356,832$47,586,322$31,539,834$176,856,064
78$201,997,995$49,856,819$32,535,185$194,425,417
79$222,538,629$52,236,641$33,561,952$213,767,316
80$245,172,417$54,731,085$34,621,125$235,061,712
81$270,112,800$57,345,704$35,713,729$258,506,877
82$297,594,984$60,086,322$36,840,818$284,321,264
83$327,878,168$62,959,048$38,003,481$312,745,569
84$361,247,984$65,970,284$39,202,841$344,044,993
85$398,019,199$69,126,748$40,440,056$378,511,743
86$438,538,680$72,435,482$41,716,321$416,467,785
87$483,188,677$75,903,872$43,032,869$458,267,873
88$532,390,423$79,539,663$44,390,971$504,302,896
89$586,608,118$83,350,977$45,791,940$555,003,558
90$646,353,304$87,346,333$47,237,128$610,844,438
91$712,189,700$91,534,663$48,727,931$672,348,461
92$784,738,522$95,925,335$50,265,790$740,091,831
93$864,684,347$100,528,171$51,852,189$814,709,457
94$952,781,574$105,353,475$53,488,661$896,900,940
95$1,049,861,551$110,412,052$55,176,787$987,437,169
96$1,156,840,417$115,715,230$56,918,198$1,087,167,590
97$1,274,727,756$121,274,893$58,714,574$1,197,028,212
98$1,404,636,127$127,103,503$60,567,652$1,318,050,436
99$1,547,791,565$133,214,128$62,479,222$1,451,370,780
100$1,705,545,158$139,620,473$64,451,129$1,598,241,596