Can I retire at age 50 with 427,000?

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 $427,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$35,261$34,947$34,641$34,342$34,050$33,541
2 years$17,456$17,131$16,816$16,510$16,214$15,703
3 years$11,522$11,195$10,881$10,578$10,287$9,789
4 years$8,555$8,230$7,919$7,621$7,337$6,856
5 years$6,776$6,452$6,145$5,854$5,577$5,115
6 years$5,590$5,269$4,966$4,681$4,413$3,969
7 years$4,743$4,425$4,127$3,849$3,589$3,165
8 years$4,108$3,793$3,500$3,229$2,977$2,572
9 years$3,615$3,302$3,015$2,750$2,507$2,121
10 years$3,220$2,911$2,628$2,371$2,136$1,769
11 years$2,898$2,591$2,314$2,063$1,837$1,488
12 years$2,629$2,326$2,053$1,810$1,592$1,260
13 years$2,402$2,102$1,835$1,598$1,388$1,074
14 years$2,207$1,911$1,648$1,418$1,217$920
15 years$2,039$1,745$1,488$1,265$1,072$790
16 years$1,892$1,601$1,349$1,132$947$682
17 years$1,762$1,475$1,228$1,018$840$589
18 years$1,647$1,363$1,121$917$747$511
19 years$1,544$1,263$1,026$829$666$444
20 years$1,451$1,174$942$750$594$386
21 years$1,368$1,093$866$681$532$337
22 years$1,292$1,020$798$619$477$294
23 years$1,222$954$737$564$428$257
24 years$1,159$894$682$514$385$224
25 years$1,101$839$631$470$346$196
26 years$1,047$789$586$430$312$172
27 years$998$742$544$393$281$151
28 years$952$699$505$360$254$132
29 years$909$660$470$330$229$116
30 years$869$623$438$303$207$102
31 years$832$589$408$278$187$89
32 years$797$557$381$256$169$78
33 years$765$528$356$235$153$69
34 years$734$500$332$216$139$61
35 years$705$474$311$199$126$53
36 years$678$450$291$184$114$47
37 years$653$428$272$169$103$41
38 years$628$407$255$156$94$36
39 years$605$387$239$144$85$32
40 years$584$368$224$133$77$28
41 years$563$350$210$122$70$25
42 years$544$333$197$113$63$22
43 years$525$318$185$104$57$19
44 years$507$303$173$96$52$17
45 years$490$289$163$89$47$15
46 years$474$275$153$82$43$13
47 years$459$263$144$76$39$11
48 years$444$251$135$70$35$10
49 years$430$240$127$65$32$9
50 years$417$229$119$60$29$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $427,000, adding $4,770 every year, while hoping to spend $28,267 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: 81/14/5 Blend
49$427,000$427,000$427,000$427,000
50$475,474$452,843$446,225$513,533
51$493,897$444,957$431,097$531,227
52$513,251$435,736$414,516$546,378
53$533,602$425,087$396,402$562,133
54$555,021$412,908$376,673$578,536
55$577,585$399,092$355,243$595,635
56$601,378$383,527$332,023$613,485
57$626,491$366,092$306,918$632,145
58$653,025$346,663$279,832$651,681
59$681,088$325,104$250,661$672,164
60$710,800$301,274$219,299$693,676
61$742,289$275,025$185,633$716,303
62$775,699$246,197$149,548$740,145
63$811,184$214,624$110,921$765,308
64$848,914$180,130$69,626$791,912
65$889,074$142,528$25,530$820,088
66$931,868$101,620$0$849,982
67$977,519$57,200$0$882,904
68$1,026,270$9,046$0$919,409
69$1,078,388$0$0$958,341
70$1,134,167$0$0$1,006,558
71$1,193,928$0$0$1,059,718
72$1,258,022$0$0$1,116,741
73$1,326,837$0$0$1,177,972
74$1,400,797$0$0$1,243,788
75$1,480,367$0$0$1,314,607
76$1,566,059$0$0$1,390,883
77$1,658,434$0$0$1,473,118
78$1,758,110$0$0$1,561,863
79$1,865,764$0$0$1,657,722
80$1,982,141$0$0$1,761,360
81$2,108,060$0$0$1,873,508
82$2,244,420$0$0$1,994,967
83$2,392,211$0$0$2,126,623
84$2,552,521$0$0$2,269,444
85$2,726,546$0$0$2,424,499
86$2,915,602$0$0$2,592,963
87$3,121,137$0$0$2,776,126
88$3,344,743$0$0$2,975,410
89$3,588,172$0$0$3,192,379
90$3,853,352$0$0$3,428,754
91$4,142,405$0$0$3,686,427
92$4,457,666$0$0$3,967,483
93$4,801,704$0$0$4,274,216
94$5,177,349$0$0$4,609,150
95$5,587,715$0$0$4,975,065
96$6,036,230$0$0$5,375,020
97$6,526,668$0$0$5,812,384
98$7,063,185$0$0$6,290,866
99$7,650,357$0$0$6,814,551
100$8,293,223$0$0$7,387,935