Can I retire at age 50 with 326,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $326,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$26,921$26,681$26,447$26,219$25,996$25,628
2 years$13,327$13,079$12,838$12,605$12,379$12,010
3 years$8,796$8,547$8,307$8,076$7,854$7,494
4 years$6,532$6,283$6,046$5,818$5,601$5,254
5 years$5,173$4,926$4,692$4,469$4,258$3,924
6 years$4,268$4,022$3,792$3,574$3,369$3,048
7 years$3,621$3,378$3,151$2,938$2,740$2,433
8 years$3,137$2,896$2,672$2,465$2,273$1,980
9 years$2,760$2,521$2,301$2,100$1,914$1,634
10 years$2,459$2,222$2,006$1,810$1,631$1,365
11 years$2,212$1,978$1,766$1,575$1,403$1,149
12 years$2,007$1,776$1,568$1,382$1,216$975
13 years$1,834$1,605$1,401$1,220$1,060$832
14 years$1,685$1,459$1,258$1,083$929$713
15 years$1,557$1,332$1,136$966$818$614
16 years$1,444$1,223$1,030$865$723$530
17 years$1,345$1,126$937$777$641$459
18 years$1,257$1,040$856$700$570$399
19 years$1,179$964$783$633$508$347
20 years$1,108$896$719$573$454$302
21 years$1,044$835$661$520$406$264
22 years$986$779$609$473$364$230
23 years$933$729$563$431$327$202
24 years$885$683$520$393$294$177
25 years$840$641$482$359$264$155
26 years$800$602$447$328$238$136
27 years$762$567$415$300$215$119
28 years$727$534$386$275$194$105
29 years$694$504$359$252$175$92
30 years$664$476$335$231$158$81
31 years$635$450$312$213$143$71
32 years$609$426$291$195$129$63
33 years$584$403$272$180$117$55
34 years$560$382$254$165$106$48
35 years$538$362$237$152$96$43
36 years$518$344$222$140$87$38
37 years$498$327$208$129$79$33
38 years$480$310$195$119$71$29
39 years$462$295$182$110$65$26
40 years$446$281$171$101$59$23
41 years$430$267$160$93$53$20
42 years$415$255$150$86$48$18
43 years$401$243$141$80$44$15
44 years$387$231$132$73$40$14
45 years$374$220$124$68$36$12
46 years$362$210$117$63$33$11
47 years$350$201$110$58$30$9
48 years$339$192$103$53$27$8
49 years$329$183$97$49$25$7
50 years$318$175$91$46$22$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $326,000, adding $4,036 every year, while hoping to spend $22,114 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: 80/11/9 Blend
49$326,000$326,000$326,000$326,000
50$363,415$346,137$341,084$391,679
51$376,954$339,569$328,981$404,224
52$391,133$331,937$315,732$414,678
53$405,994$323,167$301,274$425,491
54$421,582$313,179$285,543$436,689
55$437,947$301,888$268,472$448,298
56$455,141$289,205$249,990$460,350
57$473,224$275,034$230,023$472,877
58$492,259$259,277$208,495$485,918
59$512,315$241,827$185,325$499,513
60$533,466$222,571$160,428$513,708
61$555,795$201,392$133,718$528,553
62$579,390$178,165$105,102$544,104
63$604,350$152,757$74,485$560,423
64$630,781$125,029$41,767$577,578
65$658,798$94,833$6,844$595,645
66$688,529$62,014$0$614,708
67$720,112$26,405$0$637,781
68$753,699$0$0$662,937
69$789,457$0$0$691,116
70$827,566$0$0$724,560
71$868,226$0$0$760,248
72$911,656$0$0$798,373
73$958,094$0$0$839,144
74$1,007,802$0$0$882,793
75$1,061,068$0$0$929,573
76$1,118,207$0$0$979,762
77$1,179,565$0$0$1,033,665
78$1,245,521$0$0$1,091,615
79$1,316,492$0$0$1,153,981
80$1,392,936$0$0$1,221,165
81$1,475,356$0$0$1,293,610
82$1,564,303$0$0$1,371,803
83$1,660,384$0$0$1,456,279
84$1,764,266$0$0$1,547,625
85$1,876,682$0$0$1,646,486
86$1,998,436$0$0$1,753,573
87$2,130,415$0$0$1,869,665
88$2,273,591$0$0$1,995,622
89$2,429,037$0$0$2,132,386
90$2,597,930$0$0$2,280,997
91$2,781,566$0$0$2,442,596
92$2,981,370$0$0$2,618,440
93$3,198,910$0$0$2,809,911
94$3,435,913$0$0$3,018,530
95$3,694,278$0$0$3,245,971
96$3,976,095$0$0$3,494,077
97$4,283,664$0$0$3,764,876
98$4,619,519$0$0$4,060,601
99$4,986,448$0$0$4,383,708
100$5,387,518$0$0$4,736,903