Can I retire at age 55 with 13,100,000?

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 $13,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$1,081,786$1,072,150$1,062,749$1,053,572$1,044,612$1,009,155
2 years$535,538$525,564$515,897$506,525$497,434$462,067
3 years$353,479$343,462$333,820$324,536$315,593$281,427
4 years$262,467$252,481$242,935$233,810$225,083$192,379
5 years$207,874$197,948$188,528$179,588$171,105$139,949
6 years$171,491$161,639$152,358$143,618$135,389$105,808
7 years$145,513$135,744$126,611$118,076$110,108$82,095
8 years$126,039$116,358$107,376$99,051$91,345$64,879
9 years$110,900$101,311$92,483$84,370$76,926$51,974
10 years$98,796$89,300$80,629$72,728$65,545$42,067
11 years$88,899$79,499$70,984$63,295$56,371$34,321
12 years$80,658$71,354$62,997$55,518$48,850$28,178
13 years$73,689$64,483$56,283$49,014$42,598$23,251
14 years$67,722$58,613$50,571$43,509$37,341$19,263
15 years$62,555$53,544$45,659$38,803$32,878$16,011
16 years$58,038$49,126$41,396$34,744$29,058$13,344
17 years$54,057$45,243$37,669$31,217$25,764$11,146
18 years$50,522$41,807$34,387$28,133$22,909$9,327
19 years$47,362$38,746$31,480$25,420$20,419$7,816
20 years$44,523$36,005$28,890$23,023$18,239$6,559
21 years$41,957$33,537$26,574$20,895$16,321$5,509
22 years$39,627$31,305$24,492$18,998$14,630$4,632
23 years$37,503$29,279$22,614$17,302$13,133$3,897
24 years$35,559$27,433$20,914$15,780$11,804$3,281
25 years$33,774$25,744$19,370$14,412$10,622$2,763
26 years$32,128$24,196$17,965$13,177$9,568$2,328
27 years$30,607$22,771$16,682$12,061$8,626$1,963
28 years$29,197$21,457$15,508$11,051$7,783$1,655
29 years$27,887$20,242$14,432$10,134$7,028$1,396
30 years$26,666$19,117$13,443$9,300$6,350$1,178
31 years$25,526$18,071$12,532$8,542$5,741$994
32 years$24,460$17,099$11,693$7,850$5,194$838
33 years$23,460$16,193$10,918$7,219$4,700$708
34 years$22,521$15,348$10,201$6,642$4,255$597
35 years$21,638$14,557$9,537$6,114$3,854$504
36 years$20,806$13,817$8,922$5,631$3,492$426
37 years$20,020$13,123$8,350$5,188$3,165$359
38 years$19,278$12,471$7,820$4,782$2,869$303
39 years$18,575$11,859$7,326$4,409$2,602$256
40 years$17,910$11,283$6,867$4,067$2,360$216
41 years$17,278$10,740$6,439$3,752$2,141$183
42 years$16,678$10,229$6,040$3,463$1,943$154
43 years$16,108$9,746$5,668$3,197$1,763$130
44 years$15,565$9,290$5,320$2,952$1,601$110
45 years$15,047$8,859$4,995$2,726$1,453$93
46 years$14,554$8,451$4,692$2,518$1,319$78
47 years$14,083$8,065$4,408$2,326$1,198$66
48 years$13,632$7,699$4,142$2,150$1,088$56
49 years$13,202$7,352$3,893$1,987$988$47
50 years$12,790$7,023$3,660$1,836$898$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 55 starting with $13,100,000, adding $5,208 every year, while hoping to spend $54,435 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: 50/37/13 Blend
54$13,100,000$13,100,000$13,100,000$13,100,000
55$14,441,572$13,747,272$13,544,222$15,112,374
56$15,856,694$14,362,970$13,940,035$16,188,907
57$17,414,334$15,007,013$14,347,283$17,351,989
58$19,128,971$15,680,732$14,766,293$18,614,679
59$21,016,560$16,385,521$15,197,398$19,986,355
60$23,094,681$17,122,844$15,640,942$21,477,316
61$25,382,705$17,894,229$16,097,280$23,098,878
62$27,901,977$18,701,283$16,566,775$24,863,474
63$30,676,017$19,545,684$17,049,800$26,784,766
64$33,730,742$20,429,194$17,546,740$28,877,769
65$37,094,711$21,353,658$18,057,989$31,158,989
66$40,799,393$22,321,008$18,583,953$33,646,569
67$44,879,465$23,333,271$19,125,049$36,360,460
68$49,373,138$24,392,569$19,681,706$39,322,597
69$54,322,518$25,501,125$20,254,363$42,557,104
70$59,774,005$26,661,271$20,843,475$46,090,511
71$65,778,727$27,875,446$21,449,505$49,952,001
72$72,393,026$29,146,212$22,072,931$54,173,676
73$79,678,987$30,476,248$22,714,246$58,790,851
74$87,705,024$31,868,365$23,373,955$63,842,382
75$96,546,529$33,325,507$24,052,574$69,371,023
76$106,286,578$34,850,761$24,750,639$75,423,817
77$117,016,720$36,447,359$25,468,697$82,052,537
78$128,837,838$38,118,691$26,207,310$89,314,160
79$141,861,099$39,868,310$26,967,057$97,271,398
80$156,209,011$41,699,936$27,748,533$105,993,274
81$172,016,568$43,617,471$28,552,347$115,555,770
82$189,432,535$45,625,004$29,379,128$126,042,525
83$208,620,845$47,726,821$30,229,519$137,545,616
84$229,762,147$49,927,411$31,104,184$150,166,414
85$253,055,514$52,231,482$32,003,802$164,016,526
86$278,720,319$54,643,968$32,929,073$179,218,837
87$306,998,309$57,170,039$33,880,714$195,908,651
88$338,155,883$59,815,117$34,859,464$214,234,958
89$372,486,606$62,584,881$35,866,079$234,361,821
90$410,313,987$65,485,287$36,901,340$256,469,908
91$451,994,523$68,522,576$37,966,044$280,758,179
92$497,921,072$71,703,290$39,061,014$307,445,750
93$548,526,557$75,034,286$40,187,094$336,773,936
94$604,288,053$78,522,754$41,345,149$369,008,512
95$665,731,294$82,176,229$42,536,071$404,442,203
96$733,435,630$86,002,608$43,760,773$443,397,419
97$808,039,500$90,010,171$45,020,195$486,229,280
98$890,246,458$94,207,598$46,315,300$533,328,943
99$980,831,814$98,603,988$47,647,080$585,127,269
100$1,080,649,953$103,208,877$49,016,551$642,098,864