Can I retire at age 50 with 435,000?

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 $435,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$35,922$35,602$35,290$34,985$34,688$33,298
2 years$17,783$17,452$17,131$16,820$16,518$15,135
3 years$11,738$11,405$11,085$10,777$10,480$9,148
4 years$8,716$8,384$8,067$7,764$7,474$6,203
5 years$6,903$6,573$6,260$5,963$5,682$4,475
6 years$5,695$5,367$5,059$4,769$4,496$3,353
7 years$4,832$4,508$4,204$3,921$3,656$2,578
8 years$4,185$3,864$3,566$3,289$3,033$2,018
9 years$3,683$3,364$3,071$2,802$2,554$1,601
10 years$3,281$2,965$2,677$2,415$2,176$1,283
11 years$2,952$2,640$2,357$2,102$1,872$1,036
12 years$2,678$2,369$2,092$1,844$1,622$841
13 years$2,447$2,141$1,869$1,628$1,415$687
14 years$2,249$1,946$1,679$1,445$1,240$563
15 years$2,077$1,778$1,516$1,288$1,092$462
16 years$1,927$1,631$1,375$1,154$965$381
17 years$1,795$1,502$1,251$1,037$856$314
18 years$1,678$1,388$1,142$934$761$260
19 years$1,573$1,287$1,045$844$678$215
20 years$1,478$1,196$959$765$606$178
21 years$1,393$1,114$882$694$542$148
22 years$1,316$1,040$813$631$486$123
23 years$1,245$972$751$575$436$102
24 years$1,181$911$694$524$392$85
25 years$1,121$855$643$479$353$71
26 years$1,067$803$597$438$318$59
27 years$1,016$756$554$401$286$49
28 years$970$713$515$367$258$41
29 years$926$672$479$337$233$34
30 years$885$635$446$309$211$28
31 years$848$600$416$284$191$23
32 years$812$568$388$261$172$20
33 years$779$538$363$240$156$16
34 years$748$510$339$221$141$14
35 years$719$483$317$203$128$11
36 years$691$459$296$187$116$9
37 years$665$436$277$172$105$8
38 years$640$414$260$159$95$7
39 years$617$394$243$146$86$5
40 years$595$375$228$135$78$5
41 years$574$357$214$125$71$4
42 years$554$340$201$115$65$3
43 years$535$324$188$106$59$3
44 years$517$308$177$98$53$2
45 years$500$294$166$91$48$2
46 years$483$281$156$84$44$2
47 years$468$268$146$77$40$1
48 years$453$256$138$71$36$1
49 years$438$244$129$66$33$1
50 years$425$233$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $435,000, adding $5,502 every year, while hoping to spend $25,248 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: 81/12/7 Blend
49$435,000$435,000$435,000$435,000
50$485,045$461,990$455,248$523,536
51$507,656$457,764$443,635$545,303
52$531,727$452,485$430,787$565,272
53$557,381$446,074$416,635$586,419
54$584,750$438,448$401,110$608,849
55$613,983$429,520$384,135$632,675
56$645,240$419,197$365,634$658,024
57$678,696$407,380$345,525$685,035
58$714,546$393,964$323,722$713,862
59$753,001$378,840$300,138$744,673
60$794,294$361,890$274,680$777,655
61$838,680$342,991$247,250$813,014
62$886,440$322,012$217,747$850,975
63$937,881$298,814$186,066$891,788
64$993,341$273,253$152,095$935,729
65$1,053,192$245,172$115,721$983,102
66$1,117,841$214,409$76,821$1,034,241
67$1,187,737$180,791$35,271$1,089,516
68$1,263,373$144,136$0$1,149,335
69$1,345,289$104,251$0$1,214,824
70$1,434,083$60,934$0$1,288,657
71$1,530,407$13,968$0$1,368,755
72$1,634,984$0$0$1,455,731
73$1,748,604$0$0$1,555,132
74$1,872,139$0$0$1,665,222
75$2,006,548$0$0$1,785,013
76$2,152,886$0$0$1,915,445
77$2,312,312$0$0$2,057,555
78$2,486,104$0$0$2,212,482
79$2,675,669$0$0$2,381,481
80$2,882,552$0$0$2,565,933
81$3,108,458$0$0$2,767,357
82$3,355,260$0$0$2,987,427
83$3,625,022$0$0$3,227,985
84$3,920,018$0$0$3,491,059
85$4,242,748$0$0$3,778,882
86$4,595,968$0$0$4,093,912
87$4,982,711$0$0$4,438,857
88$5,406,317$0$0$4,816,699
89$5,870,465$0$0$5,230,720
90$6,379,206$0$0$5,684,538
91$6,937,002$0$0$6,182,133
92$7,548,768$0$0$6,727,893
93$8,219,916$0$0$7,326,649
94$8,956,408$0$0$7,983,722
95$9,764,811$0$0$8,704,974
96$10,652,358$0$0$9,496,861
97$11,627,020$0$0$10,366,497
98$12,697,572$0$0$11,321,715
99$13,873,686$0$0$12,371,147
100$15,166,013$0$0$13,524,301