Can I retire at age 50 with 439,000?

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 $439,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$36,252$35,929$35,614$35,307$35,006$34,398
2 years$17,947$17,612$17,288$16,974$16,670$16,059
3 years$11,846$11,510$11,187$10,876$10,576$9,982
4 years$8,796$8,461$8,141$7,835$7,543$6,970
5 years$6,966$6,634$6,318$6,018$5,734$5,183
6 years$5,747$5,417$5,106$4,813$4,537$4,010
7 years$4,876$4,549$4,243$3,957$3,690$3,186
8 years$4,224$3,899$3,598$3,319$3,061$2,581
9 years$3,716$3,395$3,099$2,827$2,578$2,120
10 years$3,311$2,993$2,702$2,437$2,196$1,762
11 years$2,979$2,664$2,379$2,121$1,889$1,476
12 years$2,703$2,391$2,111$1,860$1,637$1,246
13 years$2,469$2,161$1,886$1,643$1,428$1,057
14 years$2,269$1,964$1,695$1,458$1,251$902
15 years$2,096$1,794$1,530$1,300$1,102$772
16 years$1,945$1,646$1,387$1,164$974$663
17 years$1,812$1,516$1,262$1,046$863$571
18 years$1,693$1,401$1,152$943$768$493
19 years$1,587$1,298$1,055$852$684$426
20 years$1,492$1,207$968$772$611$369
21 years$1,406$1,124$891$700$547$320
22 years$1,328$1,049$821$637$490$278
23 years$1,257$981$758$580$440$242
24 years$1,192$919$701$529$396$210
25 years$1,132$863$649$483$356$183
26 years$1,077$811$602$442$321$160
27 years$1,026$763$559$404$289$139
28 years$978$719$520$370$261$122
29 years$935$678$484$340$236$106
30 years$894$641$450$312$213$93
31 years$855$606$420$286$192$81
32 years$820$573$392$263$174$71
33 years$786$543$366$242$158$62
34 years$755$514$342$223$143$54
35 years$725$488$320$205$129$47
36 years$697$463$299$189$117$41
37 years$671$440$280$174$106$36
38 years$646$418$262$160$96$32
39 years$622$397$246$148$87$28
40 years$600$378$230$136$79$24
41 years$579$360$216$126$72$21
42 years$559$343$202$116$65$19
43 years$540$327$190$107$59$16
44 years$522$311$178$99$54$14
45 years$504$297$167$91$49$12
46 years$488$283$157$84$44$11
47 years$472$270$148$78$40$10
48 years$457$258$139$72$36$8
49 years$442$246$130$67$33$7
50 years$429$235$123$62$30$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $439,000, adding $5,246 every year, while hoping to spend $23,066 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: 43/36/21 Blend
49$439,000$439,000$439,000$439,000
50$489,189$465,922$459,118$507,032
51$514,545$464,210$449,956$518,465
52$541,713$461,642$439,715$528,199
53$570,855$458,149$428,332$538,274
54$602,147$453,664$415,746$548,733
55$635,783$448,110$401,890$559,625
56$671,974$441,408$386,695$571,005
57$710,954$433,476$370,088$582,938
58$752,978$424,224$351,993$595,495
59$798,329$413,557$332,332$608,755
60$847,314$401,378$311,021$622,811
61$900,275$387,579$287,974$637,764
62$957,582$372,050$263,101$653,729
63$1,019,648$354,673$236,308$670,837
64$1,086,923$335,323$207,495$689,232
65$1,159,903$313,868$176,560$709,077
66$1,239,134$290,168$143,395$730,555
67$1,325,215$264,076$107,888$753,870
68$1,418,807$235,435$69,922$779,251
69$1,520,635$204,081$29,374$806,952
70$1,631,499$169,840$0$837,259
71$1,752,277$132,528$0$873,605
72$1,883,937$91,949$0$920,456
73$2,027,543$47,900$0$971,650
74$2,184,268$162$0$1,027,661
75$2,355,402$0$0$1,089,013
76$2,542,363$0$0$1,176,686
77$2,746,716$0$0$1,272,638
78$2,970,182$0$0$1,377,618
79$3,214,654$0$0$1,492,525
80$3,482,221$0$0$1,618,344
81$3,775,180$0$0$1,756,166
82$4,096,059$0$0$1,907,187
83$4,447,647$0$0$2,072,726
84$4,833,011$0$0$2,254,237
85$5,255,531$0$0$2,453,321
86$5,718,929$0$0$2,671,739
87$6,227,304$0$0$2,911,433
88$6,785,172$0$0$3,174,542
89$7,397,508$0$0$3,463,422
90$8,069,789$0$0$3,780,668
91$8,808,052$0$0$4,129,138
92$9,618,945$0$0$4,511,981
93$10,509,792$0$0$4,932,667
94$11,488,661$0$0$5,395,018
95$12,564,442$0$0$5,903,244
96$13,746,925$0$0$6,461,983
97$15,046,901$0$0$7,076,348
98$16,476,255$0$0$7,751,967
99$18,048,082$0$0$8,495,046
100$19,776,810$0$0$9,312,418