Can I retire at age 50 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$144,513$143,226$141,970$140,744$139,547$134,596
2 years$71,541$70,209$68,918$67,666$66,451$61,516
3 years$47,220$45,882$44,594$43,354$42,159$37,395
4 years$35,062$33,728$32,453$31,234$30,068$25,511
5 years$27,769$26,443$25,185$23,991$22,858$18,519
6 years$22,909$21,593$20,353$19,186$18,086$13,971
7 years$19,439$18,134$16,914$15,774$14,709$10,815
8 years$16,837$15,544$14,344$13,232$12,203$8,527
9 years$14,815$13,534$12,355$11,271$10,276$6,814
10 years$13,198$11,929$10,771$9,716$8,756$5,501
11 years$11,876$10,620$9,483$8,455$7,530$4,477
12 years$10,775$9,532$8,416$7,417$6,526$3,666
13 years$9,844$8,614$7,519$6,548$5,691$3,016
14 years$9,047$7,830$6,756$5,812$4,988$2,492
15 years$8,357$7,153$6,099$5,184$4,392$2,065
16 years$7,753$6,563$5,530$4,641$3,882$1,716
17 years$7,221$6,044$5,032$4,170$3,442$1,429
18 years$6,749$5,585$4,594$3,758$3,060$1,193
19 years$6,327$5,176$4,205$3,396$2,728$996
20 years$5,948$4,810$3,859$3,076$2,436$834
21 years$5,605$4,480$3,550$2,791$2,180$698
22 years$5,294$4,182$3,272$2,538$1,954$585
23 years$5,010$3,911$3,021$2,311$1,754$491
24 years$4,750$3,665$2,794$2,108$1,577$412
25 years$4,512$3,439$2,588$1,925$1,419$346
26 years$4,292$3,232$2,400$1,760$1,278$290
27 years$4,089$3,042$2,229$1,611$1,152$244
28 years$3,900$2,866$2,072$1,476$1,040$205
29 years$3,725$2,704$1,928$1,354$939$172
30 years$3,562$2,554$1,796$1,242$848$145
31 years$3,410$2,414$1,674$1,141$767$122
32 years$3,268$2,284$1,562$1,049$694$103
33 years$3,134$2,163$1,458$964$628$86
34 years$3,009$2,050$1,363$887$568$73
35 years$2,891$1,945$1,274$817$515$61
36 years$2,779$1,846$1,192$752$467$51
37 years$2,674$1,753$1,116$693$423$43
38 years$2,575$1,666$1,045$639$383$36
39 years$2,481$1,584$979$589$348$31
40 years$2,393$1,507$917$543$315$26
41 years$2,308$1,435$860$501$286$22
42 years$2,228$1,366$807$463$260$18
43 years$2,152$1,302$757$427$236$15
44 years$2,079$1,241$711$394$214$13
45 years$2,010$1,183$667$364$194$11
46 years$1,944$1,129$627$336$176$9
47 years$1,881$1,077$589$311$160$8
48 years$1,821$1,028$553$287$145$6
49 years$1,764$982$520$265$132$5
50 years$1,709$938$489$245$120$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,750,000, adding $3,374 every year, while hoping to spend $35,682 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: 48/32/20 Blend
49$1,750,000$1,750,000$1,750,000$1,750,000
50$1,931,980$1,839,230$1,812,105$2,013,647
51$2,091,077$1,891,387$1,834,845$2,122,968
52$2,265,205$1,944,904$1,857,151$2,237,735
53$2,455,862$1,999,809$1,878,971$2,361,614
54$2,664,692$2,056,133$1,900,249$2,495,472
55$2,893,511$2,113,903$1,920,928$2,640,269
56$3,144,315$2,173,151$1,940,945$2,797,057
57$3,419,305$2,233,905$1,960,237$2,966,996
58$3,720,904$2,296,196$1,978,734$3,151,366
59$4,051,779$2,360,053$1,996,365$3,351,572
60$4,414,872$2,425,506$2,013,054$3,569,163
61$4,813,418$2,492,586$2,028,721$3,805,847
62$5,250,986$2,561,321$2,043,282$4,063,502
63$5,731,503$2,631,743$2,056,649$4,344,199
64$6,259,299$2,703,880$2,068,729$4,650,217
65$6,839,139$2,777,762$2,079,423$4,984,068
66$7,476,277$2,853,419$2,088,630$5,348,520
67$8,176,499$2,930,878$2,096,240$5,746,619
68$8,946,179$3,010,168$2,102,142$6,181,725
69$9,792,340$3,091,317$2,106,214$6,657,538
70$10,722,720$3,174,353$2,108,334$7,178,132
71$11,745,843$3,259,301$2,108,368$7,747,999
72$12,871,100$3,346,189$2,106,180$8,372,088
73$14,108,840$3,435,040$2,101,625$9,055,851
74$15,470,464$3,525,878$2,094,551$9,805,294
75$16,968,532$3,618,728$2,084,800$10,627,039
76$18,616,886$3,713,609$2,072,204$11,528,378
77$20,430,776$3,810,543$2,056,590$12,517,349
78$22,427,003$3,909,548$2,037,774$13,602,810
79$24,624,083$4,010,641$2,015,565$14,794,519
80$27,042,415$4,113,838$1,989,762$16,103,231
81$29,704,477$4,219,152$1,960,155$17,540,797
82$32,635,037$4,326,594$1,926,524$19,120,277
83$35,861,387$4,436,173$1,888,638$20,856,062
84$39,413,598$4,547,895$1,846,256$22,764,012
85$43,324,806$4,661,763$1,799,127$24,861,604
86$47,631,525$4,777,778$1,746,987$27,168,097
87$52,373,988$4,895,936$1,689,558$29,704,716
88$57,596,529$5,016,232$1,626,553$32,494,850
89$63,348,003$5,138,655$1,557,670$35,564,275
90$69,682,240$5,263,190$1,482,594$38,941,396
91$76,658,562$5,389,819$1,400,993$42,657,517
92$84,342,332$5,518,518$1,312,524$46,747,135
93$92,805,583$5,649,258$1,216,826$51,248,266
94$102,127,685$5,782,004$1,113,523$56,202,806
95$112,396,104$5,916,717$1,002,220$61,656,927
96$123,707,220$6,053,350$882,509$67,661,510
97$136,167,242$6,191,850$753,958$74,272,628
98$149,893,206$6,332,155$616,120$81,552,075
99$165,014,080$6,474,198$468,527$89,567,953
100$181,671,984$6,617,901$310,691$98,395,309