Can I retire at age 49 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$33,032$32,737$32,450$32,170$31,897$31,696
2 years$16,352$16,048$15,753$15,466$15,189$14,986
3 years$10,793$10,487$10,193$9,909$9,636$9,438
4 years$8,014$7,709$7,418$7,139$6,873$6,681
5 years$6,347$6,044$5,757$5,484$5,225$5,039
6 years$5,236$4,936$4,652$4,385$4,134$3,955
7 years$4,443$4,145$3,866$3,605$3,362$3,190
8 years$3,849$3,553$3,279$3,024$2,789$2,624
9 years$3,386$3,093$2,824$2,576$2,349$2,191
10 years$3,017$2,727$2,462$2,221$2,001$1,850
11 years$2,714$2,427$2,167$1,933$1,721$1,577
12 years$2,463$2,179$1,924$1,695$1,492$1,354
13 years$2,250$1,969$1,719$1,497$1,301$1,169
14 years$2,068$1,790$1,544$1,329$1,140$1,015
15 years$1,910$1,635$1,394$1,185$1,004$885
16 years$1,772$1,500$1,264$1,061$887$774
17 years$1,651$1,381$1,150$953$787$680
18 years$1,543$1,277$1,050$859$699$598
19 years$1,446$1,183$961$776$623$527
20 years$1,359$1,099$882$703$557$466
21 years$1,281$1,024$811$638$498$413
22 years$1,210$956$748$580$447$366
23 years$1,145$894$690$528$401$325
24 years$1,086$838$639$482$360$289
25 years$1,031$786$591$440$324$257
26 years$981$739$549$402$292$229
27 years$935$695$509$368$263$204
28 years$892$655$474$337$238$182
29 years$852$618$441$309$215$162
30 years$814$584$410$284$194$145
31 years$779$552$383$261$175$129
32 years$747$522$357$240$159$115
33 years$716$494$333$220$144$103
34 years$688$469$311$203$130$92
35 years$661$444$291$187$118$83
36 years$635$422$272$172$107$74
37 years$611$401$255$158$97$66
38 years$589$381$239$146$88$59
39 years$567$362$224$135$79$53
40 years$547$345$210$124$72$47
41 years$528$328$197$115$65$43
42 years$509$312$184$106$59$38
43 years$492$298$173$98$54$34
44 years$475$284$162$90$49$31
45 years$459$270$153$83$44$27
46 years$444$258$143$77$40$25
47 years$430$246$135$71$37$22
48 years$416$235$126$66$33$20
49 years$403$224$119$61$30$18
50 years$391$214$112$56$27$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $400,000, adding $4,763 every year, while hoping to spend $23,692 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: 52/24/24 Blend
48$400,000$400,000$400,000$400,000
49$445,713$424,513$418,313$465,687
50$465,968$420,106$407,118$475,602
51$487,494$414,689$394,755$483,565
52$510,397$408,188$381,158$491,739
53$534,792$400,523$366,260$500,155
54$560,803$391,611$349,993$508,845
55$588,568$381,363$332,281$517,848
56$618,239$369,686$313,049$527,208
57$649,979$356,481$292,215$536,974
58$683,970$341,641$269,698$547,203
59$720,410$325,057$245,408$557,959
60$759,518$306,611$219,255$569,314
61$801,532$286,178$191,143$581,352
62$846,714$263,627$160,973$594,163
63$895,353$238,819$128,639$607,854
64$947,765$211,606$94,034$622,540
65$1,004,296$181,835$57,044$638,354
66$1,065,330$149,340$17,551$655,444
67$1,131,285$113,949$0$673,976
68$1,202,622$75,479$0$700,435
69$1,279,848$33,735$0$733,936
70$1,363,519$0$0$770,247
71$1,454,248$0$0$812,699
72$1,552,709$0$0$868,471
73$1,659,641$0$0$929,076
74$1,775,860$0$0$994,983
75$1,902,262$0$0$1,066,703
76$2,039,833$0$0$1,144,800
77$2,189,658$0$0$1,229,896
78$2,352,930$0$0$1,322,674
79$2,530,964$0$0$1,423,887
80$2,725,205$0$0$1,534,361
81$2,937,245$0$0$1,655,009
82$3,168,837$0$0$1,786,834
83$3,421,909$0$0$1,930,940
84$3,698,584$0$0$2,088,542
85$4,001,201$0$0$2,260,981
86$4,332,334$0$0$2,449,729
87$4,694,817$0$0$2,656,411
88$5,091,772$0$0$2,882,814
89$5,526,636$0$0$3,130,907
90$6,003,195$0$0$3,402,858
91$6,525,617$0$0$3,701,054
92$7,098,494$0$0$4,028,126
93$7,726,883$0$0$4,386,971
94$8,416,355$0$0$4,780,780
95$9,173,045$0$0$5,213,066
96$10,003,711$0$0$5,687,702
97$10,915,798$0$0$6,208,953
98$11,917,507$0$0$6,781,515
99$13,017,871$0$0$7,410,566
100$14,226,843$0$0$8,101,806