Can I retire at age 50 with 435,000?

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 $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%13.9%
1 years$35,922$35,602$35,290$34,985$34,688$34,127
2 years$17,783$17,452$17,131$16,820$16,518$15,955
3 years$11,738$11,405$11,085$10,777$10,480$9,931
4 years$8,716$8,384$8,067$7,764$7,474$6,945
5 years$6,903$6,573$6,260$5,963$5,682$5,173
6 years$5,695$5,367$5,059$4,769$4,496$4,008
7 years$4,832$4,508$4,204$3,921$3,656$3,190
8 years$4,185$3,864$3,566$3,289$3,033$2,588
9 years$3,683$3,364$3,071$2,802$2,554$2,131
10 years$3,281$2,965$2,677$2,415$2,176$1,773
11 years$2,952$2,640$2,357$2,102$1,872$1,489
12 years$2,678$2,369$2,092$1,844$1,622$1,259
13 years$2,447$2,141$1,869$1,628$1,415$1,071
14 years$2,249$1,946$1,679$1,445$1,240$915
15 years$2,077$1,778$1,516$1,288$1,092$785
16 years$1,927$1,631$1,375$1,154$965$675
17 years$1,795$1,502$1,251$1,037$856$583
18 years$1,678$1,388$1,142$934$761$504
19 years$1,573$1,287$1,045$844$678$437
20 years$1,478$1,196$959$765$606$379
21 years$1,393$1,114$882$694$542$330
22 years$1,316$1,040$813$631$486$287
23 years$1,245$972$751$575$436$250
24 years$1,181$911$694$524$392$218
25 years$1,121$855$643$479$353$191
26 years$1,067$803$597$438$318$167
27 years$1,016$756$554$401$286$146
28 years$970$713$515$367$258$127
29 years$926$672$479$337$233$111
30 years$885$635$446$309$211$98
31 years$848$600$416$284$191$85
32 years$812$568$388$261$172$75
33 years$779$538$363$240$156$66
34 years$748$510$339$221$141$57
35 years$719$483$317$203$128$50
36 years$691$459$296$187$116$44
37 years$665$436$277$172$105$39
38 years$640$414$260$159$95$34
39 years$617$394$243$146$86$30
40 years$595$375$228$135$78$26
41 years$574$357$214$125$71$23
42 years$554$340$201$115$65$20
43 years$535$324$188$106$59$18
44 years$517$308$177$98$53$16
45 years$500$294$166$91$48$14
46 years$483$281$156$84$44$12
47 years$468$268$146$77$40$10
48 years$453$256$138$71$36$9
49 years$438$244$129$66$33$8
50 years$425$233$122$61$30$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $435,000, adding $2,165 every year, while hoping to spend $30,144 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: 50/20/30 Blend
49$435,000$435,000$435,000$435,000
50$481,603$458,548$451,806$501,491
51$498,654$448,944$434,868$506,050
52$516,433$437,859$416,353$507,852
53$534,984$425,189$396,175$509,233
54$554,352$410,823$374,247$510,168
55$574,587$394,644$350,475$510,631
56$595,742$376,528$324,763$510,596
57$617,875$356,346$297,010$510,035
58$641,048$333,957$267,110$508,923
59$665,330$309,216$234,954$507,230
60$690,794$281,968$200,425$504,930
61$717,520$252,049$163,404$501,995
62$745,594$219,287$123,765$498,398
63$775,111$183,498$81,377$494,112
64$806,172$144,489$36,103$489,109
65$838,890$102,057$0$483,366
66$873,385$55,987$0$480,765
67$909,791$6,050$0$489,963
68$948,250$0$0$499,419
69$988,920$0$0$519,728
70$1,031,973$0$0$542,657
71$1,077,596$0$0$566,978
72$1,125,994$0$0$592,802
73$1,177,391$0$0$620,251
74$1,232,031$0$0$649,461
75$1,290,183$0$0$680,577
76$1,352,140$0$0$713,760
77$1,418,223$0$0$749,187
78$1,488,783$0$0$787,049
79$1,564,207$0$0$827,560
80$1,644,916$0$0$870,949
81$1,731,374$0$0$917,473
82$1,824,088$0$0$967,408
83$1,923,618$0$0$1,021,063
84$2,030,574$0$0$1,078,771
85$2,145,627$0$0$1,140,904
86$2,269,517$0$0$1,207,864
87$2,403,051$0$0$1,280,099
88$2,547,121$0$0$1,358,096
89$2,702,702$0$0$1,442,392
90$2,870,870$0$0$1,533,579
91$3,052,805$0$0$1,632,304
92$3,249,804$0$0$1,739,282
93$3,463,293$0$0$1,855,297
94$3,694,842$0$0$1,981,211
95$3,946,175$0$0$2,117,974
96$4,219,189$0$0$2,266,630
97$4,515,972$0$0$2,428,325
98$4,838,819$0$0$2,604,325
99$5,190,256$0$0$2,796,018
100$5,573,063$0$0$3,004,934