Can I retire at age 50 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$36,583$36,257$35,939$35,628$35,325$34,626
2 years$18,110$17,773$17,446$17,129$16,822$16,120
3 years$11,954$11,615$11,289$10,975$10,672$9,991
4 years$8,876$8,538$8,215$7,907$7,612$6,955
5 years$7,030$6,694$6,375$6,073$5,786$5,156
6 years$5,799$5,466$5,152$4,857$4,578$3,976
7 years$4,921$4,590$4,282$3,993$3,723$3,148
8 years$4,262$3,935$3,631$3,350$3,089$2,541
9 years$3,750$3,426$3,127$2,853$2,601$2,081
10 years$3,341$3,020$2,727$2,459$2,217$1,722
11 years$3,006$2,688$2,400$2,140$1,906$1,438
12 years$2,728$2,413$2,130$1,877$1,652$1,209
13 years$2,492$2,181$1,903$1,657$1,441$1,022
14 years$2,290$1,982$1,710$1,471$1,263$868
15 years$2,115$1,811$1,544$1,312$1,112$740
16 years$1,963$1,661$1,400$1,175$983$633
17 years$1,828$1,530$1,274$1,056$871$542
18 years$1,708$1,414$1,163$951$775$466
19 years$1,602$1,310$1,065$860$691$401
20 years$1,506$1,218$977$779$617$346
21 years$1,419$1,134$899$707$552$299
22 years$1,340$1,059$828$642$495$258
23 years$1,268$990$765$585$444$224
24 years$1,203$928$707$534$399$194
25 years$1,142$871$655$487$359$168
26 years$1,086$818$608$446$324$146
27 years$1,035$770$564$408$292$126
28 years$987$726$524$374$263$110
29 years$943$685$488$343$238$95
30 years$902$646$455$315$215$83
31 years$863$611$424$289$194$72
32 years$827$578$395$265$176$63
33 years$793$548$369$244$159$54
34 years$762$519$345$225$144$47
35 years$732$492$323$207$130$41
36 years$704$467$302$190$118$36
37 years$677$444$282$175$107$31
38 years$652$422$264$162$97$27
39 years$628$401$248$149$88$24
40 years$606$382$232$138$80$21
41 years$584$363$218$127$72$18
42 years$564$346$204$117$66$16
43 years$545$330$192$108$60$14
44 years$526$314$180$100$54$12
45 years$509$300$169$92$49$10
46 years$492$286$159$85$45$9
47 years$476$273$149$79$41$8
48 years$461$260$140$73$37$7
49 years$446$249$132$67$33$6
50 years$433$237$124$62$30$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $443,000, adding $2,715 every year, while hoping to spend $21,391 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: 40/45/15 Blend
49$443,000$443,000$443,000$443,000
50$490,987$467,508$460,641$508,335
51$518,307$467,656$453,313$521,046
52$547,698$467,094$445,022$532,500
53$579,347$465,765$435,714$544,431
54$613,461$463,609$425,331$556,892
55$650,268$460,559$413,814$569,946
56$690,018$456,549$401,099$583,658
57$732,985$451,505$387,121$598,107
58$779,471$445,351$371,811$613,378
59$829,808$438,004$355,098$629,568
60$884,360$429,378$336,905$646,785
61$943,529$419,382$317,156$665,150
62$1,007,756$407,918$295,767$684,801
63$1,077,525$394,884$272,654$705,888
64$1,153,371$380,172$247,726$728,582
65$1,235,880$363,665$220,890$753,072
66$1,325,698$345,243$192,048$779,572
67$1,423,536$324,777$161,098$808,317
68$1,530,175$302,130$127,934$839,572
69$1,646,478$277,159$92,444$873,631
70$1,773,390$249,711$54,513$910,822
71$1,911,955$219,626$14,018$951,510
72$2,063,321$186,734$0$996,101
73$2,228,750$150,855$0$1,049,720
74$2,409,635$111,799$0$1,110,894
75$2,607,507$69,367$0$1,177,959
76$2,824,054$23,346$0$1,251,556
77$3,061,131$0$0$1,332,401
78$3,320,784$0$0$1,434,397
79$3,605,265$0$0$1,558,871
80$3,917,055$0$0$1,695,352
81$4,258,885$0$0$1,845,046
82$4,633,764$0$0$2,009,276
83$5,045,006$0$0$2,189,502
84$5,496,260$0$0$2,387,334
85$5,991,547$0$0$2,604,540
86$6,535,295$0$0$2,843,074
87$7,132,383$0$0$3,105,083
88$7,788,184$0$0$3,392,936
89$8,508,618$0$0$3,709,240
90$9,300,207$0$0$4,056,870
91$10,170,134$0$0$4,438,990
92$11,126,316$0$0$4,859,088
93$12,177,471$0$0$5,321,008
94$13,333,206$0$0$5,828,981
95$14,604,106$0$0$6,387,672
96$16,001,831$0$0$7,002,220
97$17,539,229$0$0$7,678,287
98$19,230,457$0$0$8,422,110
99$21,091,109$0$0$9,240,563
100$23,138,372$0$0$10,141,220