Can I retire at age 49 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$61,934$61,383$60,844$60,319$59,806$57,868
2 years$30,661$30,090$29,536$29,000$28,479$26,545
3 years$20,237$19,664$19,112$18,580$18,068$16,199
4 years$15,027$14,455$13,909$13,386$12,886$11,096
5 years$11,901$11,333$10,794$10,282$9,796$8,089
6 years$9,818$9,254$8,723$8,222$7,751$6,129
7 years$8,331$7,772$7,249$6,760$6,304$4,766
8 years$7,216$6,662$6,147$5,671$5,230$3,776
9 years$6,349$5,800$5,295$4,830$4,404$3,032
10 years$5,656$5,113$4,616$4,164$3,753$2,460
11 years$5,090$4,551$4,064$3,624$3,227$2,012
12 years$4,618$4,085$3,607$3,179$2,797$1,657
13 years$4,219$3,692$3,222$2,806$2,439$1,371
14 years$3,877$3,356$2,895$2,491$2,138$1,139
15 years$3,581$3,066$2,614$2,222$1,882$949
16 years$3,323$2,813$2,370$1,989$1,664$793
17 years$3,095$2,590$2,157$1,787$1,475$665
18 years$2,892$2,394$1,969$1,611$1,312$558
19 years$2,712$2,218$1,802$1,455$1,169$469
20 years$2,549$2,061$1,654$1,318$1,044$395
21 years$2,402$1,920$1,521$1,196$934$333
22 years$2,269$1,792$1,402$1,088$838$280
23 years$2,147$1,676$1,295$991$752$237
24 years$2,036$1,571$1,197$903$676$200
25 years$1,934$1,474$1,109$825$608$169
26 years$1,839$1,385$1,029$754$548$143
27 years$1,752$1,304$955$691$494$121
28 years$1,672$1,228$888$633$446$102
29 years$1,597$1,159$826$580$402$86
30 years$1,527$1,094$770$532$364$73
31 years$1,461$1,035$717$489$329$62
32 years$1,400$979$669$449$297$52
33 years$1,343$927$625$413$269$44
34 years$1,289$879$584$380$244$38
35 years$1,239$833$546$350$221$32
36 years$1,191$791$511$322$200$27
37 years$1,146$751$478$297$181$23
38 years$1,104$714$448$274$164$19
39 years$1,063$679$419$252$149$16
40 years$1,025$646$393$233$135$14
41 years$989$615$369$215$123$12
42 years$955$586$346$198$111$10
43 years$922$558$324$183$101$8
44 years$891$532$305$169$92$7
45 years$861$507$286$156$83$6
46 years$833$484$269$144$76$5
47 years$806$462$252$133$69$4
48 years$780$441$237$123$62$4
49 years$756$421$223$114$57$3
50 years$732$402$210$105$51$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $750,000, adding $3,793 every year, while hoping to spend $26,441 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: 36/48/16 Blend
48$750,000$750,000$750,000$750,000
49$830,412$790,662$779,037$856,121
50$886,982$801,272$777,002$885,670
51$948,434$811,515$774,013$914,771
52$1,015,241$821,346$770,009$945,623
53$1,087,920$830,716$764,928$978,395
54$1,167,039$839,572$758,704$1,013,278
55$1,253,225$847,859$751,269$1,050,478
56$1,347,167$855,517$742,549$1,090,229
57$1,449,623$862,483$732,470$1,132,786
58$1,561,430$868,689$720,953$1,178,435
59$1,683,504$874,064$707,913$1,227,489
60$1,816,859$878,531$693,266$1,280,297
61$1,962,608$882,007$676,919$1,337,245
62$2,121,976$884,408$658,778$1,398,761
63$2,296,314$885,641$638,744$1,465,316
64$2,487,109$885,608$616,712$1,537,436
65$2,695,996$884,205$592,575$1,615,697
66$2,924,779$881,322$566,217$1,700,743
67$3,175,442$876,843$537,521$1,793,281
68$3,450,172$870,642$506,362$1,894,095
69$3,751,375$862,589$472,611$2,004,054
70$4,081,703$852,544$436,132$2,124,117
71$4,444,077$840,359$396,782$2,255,344
72$4,841,714$825,877$354,415$2,398,908
73$5,278,156$808,932$308,875$2,556,105
74$5,757,306$789,349$260,001$2,728,370
75$6,283,465$766,940$207,624$2,917,286
76$6,861,367$741,509$151,569$3,124,603
77$7,496,231$712,847$91,650$3,352,256
78$8,193,803$680,734$27,678$3,602,383
79$8,960,416$644,934$0$3,877,345
80$9,803,045$605,203$0$4,186,679
81$10,729,375$561,277$0$4,531,831
82$11,747,873$512,882$0$4,911,291
83$12,867,867$459,724$0$5,328,610
84$14,099,634$401,495$0$5,787,711
85$15,454,498$337,869$0$6,292,922
86$16,944,933$268,502$0$6,849,018
87$18,584,687$193,029$0$7,461,270
88$20,388,904$111,066$0$8,135,490
89$22,374,271$22,208$0$8,878,095
90$24,559,175$0$0$9,696,164
91$26,963,876$0$0$10,636,578
92$29,610,695$0$0$11,684,718
93$32,524,230$0$0$12,838,608
94$35,731,582$0$0$14,109,001
95$39,262,616$0$0$15,507,740
96$43,150,236$0$0$17,047,878
97$47,430,704$0$0$18,743,799
98$52,143,972$0$0$20,611,350
99$57,334,067$0$0$22,667,995
100$63,049,501$0$0$24,932,978