Can I retire at age 50 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$36,004$35,684$35,371$35,065$34,767$34,505
2 years$17,824$17,492$17,170$16,858$16,556$16,291
3 years$11,765$11,431$11,110$10,801$10,504$10,245
4 years$8,736$8,403$8,085$7,782$7,491$7,241
5 years$6,919$6,588$6,275$5,977$5,695$5,453
6 years$5,708$5,380$5,071$4,780$4,506$4,273
7 years$4,843$4,518$4,214$3,930$3,665$3,441
8 years$4,195$3,873$3,574$3,297$3,040$2,826
9 years$3,691$3,372$3,078$2,808$2,560$2,355
10 years$3,288$2,972$2,684$2,421$2,181$1,985
11 years$2,959$2,646$2,363$2,107$1,876$1,689
12 years$2,684$2,375$2,097$1,848$1,626$1,447
13 years$2,453$2,146$1,873$1,631$1,418$1,248
14 years$2,254$1,951$1,683$1,448$1,243$1,081
15 years$2,082$1,782$1,520$1,291$1,094$941
16 years$1,932$1,635$1,378$1,156$967$821
17 years$1,799$1,506$1,254$1,039$858$719
18 years$1,681$1,391$1,144$936$762$632
19 years$1,576$1,290$1,048$846$680$556
20 years$1,482$1,198$962$766$607$490
21 years$1,396$1,116$884$695$543$433
22 years$1,319$1,042$815$632$487$383
23 years$1,248$974$753$576$437$339
24 years$1,184$913$696$525$393$301
25 years$1,124$857$645$480$354$267
26 years$1,069$805$598$439$318$237
27 years$1,019$758$555$401$287$211
28 years$972$714$516$368$259$187
29 years$928$674$480$337$234$167
30 years$888$636$447$310$211$149
31 years$850$601$417$284$191$132
32 years$814$569$389$261$173$118
33 years$781$539$363$240$156$105
34 years$750$511$340$221$142$94
35 years$720$484$317$203$128$84
36 years$692$460$297$187$116$75
37 years$666$437$278$173$105$67
38 years$642$415$260$159$96$60
39 years$618$395$244$147$87$53
40 years$596$376$229$135$79$48
41 years$575$357$214$125$71$42
42 years$555$340$201$115$65$38
43 years$536$324$189$106$59$34
44 years$518$309$177$98$53$30
45 years$501$295$166$91$48$27
46 years$484$281$156$84$44$24
47 years$469$268$147$77$40$22
48 years$454$256$138$72$36$19
49 years$439$245$130$66$33$17
50 years$426$234$122$61$30$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $436,000, adding $2,677 every year, while hoping to spend $33,996 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: 29/47/24 Blend
49$436,000$436,000$436,000$436,000
50$483,233$460,125$453,367$493,573
51$496,352$446,500$432,384$488,204
52$509,669$431,068$409,558$479,259
53$523,169$413,704$384,792$468,940
54$536,833$394,277$357,984$457,153
55$550,641$372,647$329,027$443,796
56$564,568$348,668$297,811$428,759
57$578,584$322,183$264,218$411,929
58$592,658$293,029$228,127$393,184
59$606,752$261,029$189,412$372,394
60$620,823$226,002$147,940$349,423
61$634,823$187,752$103,572$324,125
62$648,697$146,074$56,163$296,346
63$662,383$100,752$5,565$265,921
64$675,813$51,555$0$232,677
65$688,907$0$0$208,831
66$701,578$0$0$185,020
67$713,727$0$0$187,668
68$725,244$0$0$190,075
69$736,005$0$0$192,200
70$745,872$0$0$193,999
71$754,692$0$0$195,420
72$762,293$0$0$196,408
73$768,484$0$0$196,899
74$773,052$0$0$196,825
75$775,760$0$0$196,108
76$776,347$0$0$194,664
77$774,519$0$0$192,396
78$769,953$0$0$189,201
79$762,288$0$0$184,960
80$751,127$0$0$179,546
81$736,026$0$0$172,814
82$716,496$0$0$164,607
83$691,994$0$0$154,749
84$661,919$0$0$143,046
85$625,605$0$0$129,283
86$582,317$0$0$113,224
87$531,240$0$0$94,605
88$471,473$0$0$73,137
89$402,020$0$0$48,499
90$321,780$0$0$20,337
91$229,537$0$0$0
92$123,945$0$0$0
93$3,519$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