Can I retire at age 50 with 365,000?

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 $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$30,141$29,873$29,611$29,355$29,106$28,310
2 years$14,921$14,644$14,374$14,113$13,860$13,064
3 years$9,849$9,570$9,301$9,042$8,793$8,022
4 years$7,313$7,035$6,769$6,515$6,271$5,531
5 years$5,792$5,515$5,253$5,004$4,767$4,060
6 years$4,778$4,504$4,245$4,002$3,772$3,098
7 years$4,054$3,782$3,528$3,290$3,068$2,427
8 years$3,512$3,242$2,992$2,760$2,545$1,938
9 years$3,090$2,823$2,577$2,351$2,143$1,568
10 years$2,753$2,488$2,247$2,026$1,826$1,283
11 years$2,477$2,215$1,978$1,764$1,571$1,058
12 years$2,247$1,988$1,755$1,547$1,361$879
13 years$2,053$1,797$1,568$1,366$1,187$733
14 years$1,887$1,633$1,409$1,212$1,040$615
15 years$1,743$1,492$1,272$1,081$916$517
16 years$1,617$1,369$1,153$968$810$436
17 years$1,506$1,261$1,050$870$718$369
18 years$1,408$1,165$958$784$638$313
19 years$1,320$1,080$877$708$569$265
20 years$1,241$1,003$805$641$508$226
21 years$1,169$934$740$582$455$192
22 years$1,104$872$682$529$408$164
23 years$1,045$816$630$482$366$140
24 years$991$764$583$440$329$119
25 years$941$717$540$402$296$102
26 years$895$674$501$367$267$87
27 years$853$634$465$336$240$74
28 years$814$598$432$308$217$63
29 years$777$564$402$282$196$54
30 years$743$533$375$259$177$46
31 years$711$504$349$238$160$40
32 years$682$476$326$219$145$34
33 years$654$451$304$201$131$29
34 years$628$428$284$185$119$25
35 years$603$406$266$170$107$21
36 years$580$385$249$157$97$18
37 years$558$366$233$145$88$16
38 years$537$347$218$133$80$13
39 years$518$330$204$123$73$11
40 years$499$314$191$113$66$10
41 years$481$299$179$105$60$8
42 years$465$285$168$96$54$7
43 years$449$272$158$89$49$6
44 years$434$259$148$82$45$5
45 years$419$247$139$76$40$5
46 years$406$235$131$70$37$4
47 years$392$225$123$65$33$3
48 years$380$215$115$60$30$3
49 years$368$205$108$55$28$2
50 years$356$196$102$51$25$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $365,000, adding $2,072 every year, while hoping to spend $26,688 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: 54/31/15 Blend
49$365,000$365,000$365,000$365,000
50$404,367$385,022$379,365$424,486
51$417,217$375,493$363,678$428,901
52$430,483$364,601$346,571$430,669
53$444,179$352,254$327,968$431,990
54$458,321$338,350$307,790$432,827
55$472,923$322,783$285,955$433,143
56$488,002$305,440$262,375$432,898
57$503,575$286,203$236,961$432,048
58$519,659$264,946$209,619$430,549
59$536,272$241,536$180,249$428,353
60$553,433$215,833$148,748$425,410
61$571,162$187,688$115,011$421,666
62$589,480$156,944$78,923$417,067
63$608,408$123,435$40,368$411,551
64$627,969$86,987$0$405,058
65$648,187$47,414$0$397,646
66$669,085$4,521$0$396,025
67$690,692$0$0$393,673
68$713,033$0$0$404,831
69$736,137$0$0$417,966
70$760,035$0$0$431,554
71$784,758$0$0$445,614
72$810,339$0$0$460,163
73$836,814$0$0$475,223
74$864,220$0$0$490,816
75$892,596$0$0$506,962
76$921,984$0$0$523,688
77$952,426$0$0$541,017
78$983,971$0$0$558,977
79$1,016,666$0$0$577,597
80$1,050,565$0$0$596,907
81$1,085,723$0$0$616,938
82$1,122,199$0$0$637,726
83$1,160,056$0$0$659,306
84$1,199,362$0$0$681,719
85$1,240,187$0$0$705,006
86$1,282,609$0$0$729,210
87$1,326,709$0$0$754,381
88$1,372,576$0$0$780,570
89$1,420,304$0$0$807,830
90$1,469,993$0$0$836,222
91$1,521,752$0$0$865,809
92$1,575,698$0$0$896,659
93$1,631,956$0$0$928,845
94$1,690,662$0$0$962,448
95$1,751,962$0$0$997,552
96$1,816,013$0$0$1,034,250
97$1,882,986$0$0$1,072,642
98$1,953,066$0$0$1,112,836
99$2,026,450$0$0$1,154,950
100$2,103,356$0$0$1,199,110