Can I retire at age 50 with 335,000?

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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$27,664$27,418$27,177$26,943$26,713$26,195
2 years$13,695$13,440$13,193$12,953$12,721$12,201
3 years$9,039$8,783$8,537$8,299$8,071$7,565
4 years$6,712$6,457$6,212$5,979$5,756$5,269
5 years$5,316$5,062$4,821$4,593$4,376$3,908
6 years$4,385$4,134$3,896$3,673$3,462$3,015
7 years$3,721$3,471$3,238$3,020$2,816$2,389
8 years$3,223$2,976$2,746$2,533$2,336$1,929
9 years$2,836$2,591$2,365$2,158$1,967$1,581
10 years$2,526$2,284$2,062$1,860$1,676$1,309
11 years$2,273$2,033$1,815$1,619$1,442$1,094
12 years$2,063$1,825$1,611$1,420$1,249$920
13 years$1,884$1,649$1,439$1,253$1,089$778
14 years$1,732$1,499$1,293$1,113$955$661
15 years$1,600$1,369$1,168$992$841$564
16 years$1,484$1,256$1,059$888$743$483
17 years$1,382$1,157$963$798$659$414
18 years$1,292$1,069$879$719$586$356
19 years$1,211$991$805$650$522$307
20 years$1,139$921$739$589$466$265
21 years$1,073$858$680$534$417$229
22 years$1,013$801$626$486$374$198
23 years$959$749$578$442$336$172
24 years$909$702$535$404$302$149
25 years$864$658$495$369$272$129
26 years$822$619$459$337$245$112
27 years$783$582$427$308$221$97
28 years$747$549$397$283$199$85
29 years$713$518$369$259$180$74
30 years$682$489$344$238$162$64
31 years$653$462$320$218$147$56
32 years$625$437$299$201$133$48
33 years$600$414$279$185$120$42
34 years$576$392$261$170$109$37
35 years$553$372$244$156$99$32
36 years$532$353$228$144$89$28
37 years$512$336$214$133$81$24
38 years$493$319$200$122$73$21
39 years$475$303$187$113$67$18
40 years$458$289$176$104$60$16
41 years$442$275$165$96$55$14
42 years$427$262$154$89$50$12
43 years$412$249$145$82$45$11
44 years$398$238$136$75$41$9
45 years$385$227$128$70$37$8
46 years$372$216$120$64$34$7
47 years$360$206$113$59$31$6
48 years$349$197$106$55$28$5
49 years$338$188$100$51$25$5
50 years$327$180$94$47$23$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $335,000, adding $5,220 every year, while hoping to spend $26,621 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: 60/11/29 Blend
49$335,000$335,000$335,000$335,000
50$374,554$356,799$351,607$393,797
51$384,434$345,958$335,061$396,692
52$394,430$333,693$317,069$396,562
53$404,525$319,907$297,554$395,867
54$414,700$304,496$276,435$394,559
55$424,934$287,351$253,630$392,587
56$435,201$268,355$229,051$389,894
57$445,474$247,387$202,607$386,421
58$455,720$224,317$174,202$382,102
59$465,903$199,008$143,737$376,868
60$475,981$171,315$111,108$370,644
61$485,907$141,085$76,206$363,349
62$495,629$108,158$38,918$354,895
63$505,088$72,362$0$345,188
64$514,217$33,518$0$334,397
65$522,941$0$0$335,012
66$531,179$0$0$335,935
67$538,836$0$0$340,516
68$545,808$0$0$344,630
69$551,980$0$0$348,199
70$557,222$0$0$351,136
71$561,391$0$0$353,348
72$564,326$0$0$354,726
73$565,849$0$0$355,153
74$565,762$0$0$354,498
75$563,845$0$0$352,613
76$559,854$0$0$349,339
77$553,520$0$0$344,494
78$544,540$0$0$337,880
79$532,584$0$0$329,276
80$517,281$0$0$318,437
81$498,225$0$0$305,094
82$474,963$0$0$288,947
83$446,994$0$0$269,663
84$413,765$0$0$246,877
85$374,664$0$0$220,182
86$329,014$0$0$189,130
87$276,066$0$0$153,226
88$214,992$0$0$111,921
89$144,877$0$0$64,609
90$64,712$0$0$10,621
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0