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%
1 years$36,004$35,684$35,371$35,065$34,767$34,621
2 years$17,824$17,492$17,170$16,858$16,556$16,408
3 years$11,765$11,431$11,110$10,801$10,504$10,359
4 years$8,736$8,403$8,085$7,782$7,491$7,351
5 years$6,919$6,588$6,275$5,977$5,695$5,559
6 years$5,708$5,380$5,071$4,780$4,506$4,375
7 years$4,843$4,518$4,214$3,930$3,665$3,539
8 years$4,195$3,873$3,574$3,297$3,040$2,919
9 years$3,691$3,372$3,078$2,808$2,560$2,444
10 years$3,288$2,972$2,684$2,421$2,181$2,070
11 years$2,959$2,646$2,363$2,107$1,876$1,770
12 years$2,684$2,375$2,097$1,848$1,626$1,524
13 years$2,453$2,146$1,873$1,631$1,418$1,321
14 years$2,254$1,951$1,683$1,448$1,243$1,150
15 years$2,082$1,782$1,520$1,291$1,094$1,006
16 years$1,932$1,635$1,378$1,156$967$883
17 years$1,799$1,506$1,254$1,039$858$778
18 years$1,681$1,391$1,144$936$762$687
19 years$1,576$1,290$1,048$846$680$608
20 years$1,482$1,198$962$766$607$539
21 years$1,396$1,116$884$695$543$479
22 years$1,319$1,042$815$632$487$426
23 years$1,248$974$753$576$437$380
24 years$1,184$913$696$525$393$339
25 years$1,124$857$645$480$354$303
26 years$1,069$805$598$439$318$270
27 years$1,019$758$555$401$287$242
28 years$972$714$516$368$259$217
29 years$928$674$480$337$234$194
30 years$888$636$447$310$211$174
31 years$850$601$417$284$191$156
32 years$814$569$389$261$173$140
33 years$781$539$363$240$156$126
34 years$750$511$340$221$142$113
35 years$720$484$317$203$128$101
36 years$692$460$297$187$116$91
37 years$666$437$278$173$105$82
38 years$642$415$260$159$96$74
39 years$618$395$244$147$87$66
40 years$596$376$229$135$79$60
41 years$575$357$214$125$71$54
42 years$555$340$201$115$65$48
43 years$536$324$189$106$59$43
44 years$518$309$177$98$53$39
45 years$501$295$166$91$48$35
46 years$484$281$156$84$44$32
47 years$469$268$147$77$40$28
48 years$454$256$138$72$36$26
49 years$439$245$130$66$33$23
50 years$426$234$122$61$30$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $436,000, adding $5,082 every year, while hoping to spend $31,170 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: 56/22/22 Blend
49$436,000$436,000$436,000$436,000
50$485,714$462,606$455,848$509,756
51$502,092$452,109$437,954$516,263
52$519,096$440,053$418,417$519,611
53$536,757$426,329$397,147$522,587
54$555,108$410,821$374,052$525,165
55$574,184$393,406$349,038$527,317
56$594,023$373,955$322,003$529,014
57$614,666$352,331$292,843$530,224
58$636,156$328,389$261,447$530,917
59$658,540$301,977$227,702$531,060
60$681,868$272,931$191,487$530,620
61$706,195$241,080$152,678$529,562
62$731,578$206,245$111,144$527,851
63$758,081$168,233$66,750$525,451
64$785,772$126,843$19,352$522,325
65$814,724$81,861$0$518,435
66$845,016$33,063$0$521,074
67$876,735$0$0$528,198
68$909,972$0$0$540,048
69$944,831$0$0$560,882
70$981,418$0$0$582,763
71$1,019,855$0$0$605,762
72$1,060,270$0$0$629,958
73$1,102,803$0$0$655,439
74$1,147,608$0$0$682,298
75$1,194,851$0$0$710,636
76$1,244,713$0$0$740,565
77$1,297,393$0$0$772,207
78$1,353,107$0$0$805,693
79$1,412,090$0$0$841,169
80$1,474,600$0$0$878,791
81$1,540,917$0$0$918,734
82$1,611,351$0$0$961,186
83$1,686,236$0$0$1,006,352
84$1,765,941$0$0$1,054,461
85$1,850,868$0$0$1,105,758
86$1,941,460$0$0$1,160,516
87$2,038,198$0$0$1,219,031
88$2,141,614$0$0$1,281,629
89$2,252,286$0$0$1,348,667
90$2,370,853$0$0$1,420,537
91$2,498,011$0$0$1,497,668
92$2,634,528$0$0$1,580,532
93$2,781,243$0$0$1,669,647
94$2,939,080$0$0$1,765,580
95$3,109,052$0$0$1,868,955
96$3,292,272$0$0$1,980,458
97$3,489,963$0$0$2,100,842
98$3,703,467$0$0$2,230,934
99$3,934,261$0$0$2,371,643
100$4,183,967$0$0$2,523,969