Can I retire at age 51 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,427,653
2 years$739,941$726,160$712,805$699,855$687,295$671,520
3 years$488,394$474,554$461,232$448,404$436,048$420,655
4 years$362,645$348,847$335,659$323,050$310,993$296,101
5 years$287,216$273,501$260,485$248,133$236,412$222,064
6 years$236,946$223,334$210,510$198,434$187,065$173,278
7 years$201,052$187,555$174,935$163,144$152,134$138,915
8 years$174,145$160,770$148,359$136,857$126,210$113,557
9 years$153,228$139,979$127,782$116,572$106,287$94,196
10 years$136,504$123,384$111,403$100,486$90,562$79,025
11 years$122,830$109,842$98,077$87,453$77,886$66,893
12 years$111,443$98,588$87,041$76,708$67,494$57,035
13 years$101,815$89,095$77,765$67,722$58,856$48,917
14 years$93,570$80,985$69,873$60,116$51,593$42,160
15 years$86,431$73,981$63,086$53,613$45,427$36,486
16 years$80,190$67,876$57,196$48,004$40,148$31,684
17 years$74,689$62,512$52,046$43,132$35,598$27,594
18 years$69,805$57,763$47,512$38,870$31,652$24,093
19 years$65,440$53,535$43,495$35,123$28,212$21,081
20 years$61,516$49,747$39,917$31,810$25,200$18,480
21 years$57,971$46,337$36,716$28,870$22,551$16,225
22 years$54,752$43,254$33,840$26,249$20,214$14,266
23 years$51,818$40,455$31,245$23,906$18,145$12,558
24 years$49,132$37,903$28,896$21,803$16,309$11,066
25 years$46,665$35,571$26,764$19,912$14,676$9,761
26 years$44,391$33,431$24,822$18,207$13,219$8,616
27 years$42,289$31,462$23,049$16,665$11,918$7,611
28 years$40,341$29,647$21,427$15,269$10,754$6,728
29 years$38,530$27,968$19,940$14,002$9,711$5,950
30 years$36,844$26,413$18,573$12,850$8,774$5,265
31 years$35,269$24,969$17,315$11,802$7,933$4,660
32 years$33,796$23,626$16,156$10,846$7,176$4,127
33 years$32,414$22,374$15,085$9,974$6,494$3,656
34 years$31,117$21,205$14,094$9,177$5,880$3,239
35 years$29,897$20,113$13,177$8,448$5,325$2,871
36 years$28,747$19,090$12,327$7,780$4,825$2,545
37 years$27,662$18,131$11,538$7,168$4,373$2,257
38 years$26,636$17,231$10,805$6,607$3,965$2,001
39 years$25,665$16,385$10,123$6,092$3,595$1,775
40 years$24,746$15,589$9,488$5,619$3,261$1,575
41 years$23,873$14,839$8,897$5,184$2,959$1,397
42 years$23,044$14,133$8,345$4,785$2,685$1,240
43 years$22,256$13,465$7,831$4,417$2,436$1,100
44 years$21,505$12,835$7,351$4,078$2,212$976
45 years$20,790$12,240$6,902$3,766$2,008$867
46 years$20,109$11,676$6,483$3,479$1,823$769
47 years$19,458$11,143$6,090$3,214$1,655$683
48 years$18,836$10,637$5,723$2,970$1,503$606
49 years$18,241$10,158$5,379$2,745$1,365$538
50 years$17,672$9,703$5,058$2,537$1,240$478

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $18,100,000, adding $6,455 every year, while hoping to spend $53,115 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: 49/44/7 Blend
50$18,100,000$18,100,000$18,100,000$18,100,000
51$19,952,858$18,993,558$18,713,008$20,894,112
52$21,931,536$19,867,729$19,283,380$22,411,971
53$24,110,258$20,782,953$19,871,079$24,053,518
54$26,509,374$21,741,188$20,476,630$25,835,219
55$29,151,306$22,744,481$21,100,573$27,770,169
56$32,060,761$23,794,983$21,743,464$29,872,740
57$35,264,965$24,894,943$22,405,876$32,158,715
58$38,793,919$26,046,723$23,088,400$34,645,426
59$42,680,682$27,252,796$23,791,645$37,351,910
60$46,961,683$28,515,754$24,516,237$40,299,080
61$51,677,065$29,838,316$25,262,821$43,509,913
62$56,871,062$31,223,330$26,032,062$47,009,660
63$62,592,420$32,673,783$26,824,645$50,826,068
64$68,894,852$34,192,803$27,641,276$54,989,639
65$75,837,549$35,783,673$28,482,681$59,533,900
66$83,485,737$37,449,831$29,349,609$64,495,716
67$91,911,292$39,194,883$30,242,831$69,915,616
68$101,193,419$41,022,607$31,163,141$75,838,173
69$111,419,400$42,936,966$32,111,357$82,312,404
70$122,685,414$44,942,113$33,088,323$89,392,223
71$135,097,450$47,042,401$34,094,906$97,136,935
72$148,772,305$49,242,393$35,132,001$105,611,777
73$163,838,685$51,546,876$36,200,528$114,888,525
74$180,438,421$53,960,863$37,301,436$125,046,148
75$198,727,809$56,489,614$38,435,702$136,171,541
76$218,879,081$59,138,641$39,604,334$148,360,322
77$241,082,035$61,913,722$40,808,367$161,717,723
78$265,545,825$64,820,917$42,048,870$176,359,555
79$292,500,935$67,866,578$43,326,943$192,413,287
80$322,201,353$71,057,363$44,643,718$210,019,224
81$354,926,972$74,400,254$46,000,363$229,331,808
82$390,986,228$77,902,571$47,398,080$250,521,055
83$430,719,013$81,571,988$48,838,106$273,774,133
84$474,499,887$85,416,550$50,321,718$299,297,101
85$522,741,608$89,444,693$51,850,227$327,316,830
86$575,899,030$93,665,261$53,424,988$358,083,112
87$634,473,399$98,087,526$55,047,393$391,870,992
88$699,017,083$102,721,212$56,718,878$428,983,327
89$770,138,786$107,576,512$58,440,921$469,753,619
90$848,509,294$112,664,113$60,215,043$514,549,122
91$934,867,809$117,995,221$62,042,814$563,774,277
92$1,030,028,925$123,581,587$63,925,848$617,874,489
93$1,134,890,320$129,435,530$65,865,809$677,340,292
94$1,250,441,228$135,569,966$67,864,409$742,711,940
95$1,377,771,780$141,998,441$69,923,414$814,584,461
96$1,518,083,294$148,735,156$72,044,640$893,613,229
97$1,672,699,613$155,795,002$74,229,958$980,520,103
98$1,843,079,609$163,193,593$76,481,298$1,076,100,192
99$2,030,830,951$170,947,301$78,800,643$1,181,229,304
100$2,237,725,283$179,073,293$81,190,039$1,296,872,163