Can I retire at age 50 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$37,326$36,993$36,669$36,352$36,043$35,287
2 years$18,478$18,134$17,800$17,477$17,163$16,405
3 years$12,196$11,851$11,518$11,198$10,889$10,152
4 years$9,056$8,712$8,382$8,067$7,766$7,056
5 years$7,172$6,830$6,505$6,196$5,904$5,223
6 years$5,917$5,577$5,257$4,955$4,671$4,021
7 years$5,021$4,684$4,369$4,074$3,799$3,179
8 years$4,349$4,015$3,705$3,418$3,152$2,561
9 years$3,826$3,496$3,191$2,911$2,654$2,093
10 years$3,409$3,081$2,782$2,509$2,262$1,729
11 years$3,067$2,743$2,449$2,184$1,945$1,441
12 years$2,783$2,462$2,174$1,916$1,685$1,209
13 years$2,543$2,225$1,942$1,691$1,470$1,020
14 years$2,337$2,022$1,745$1,501$1,288$865
15 years$2,158$1,847$1,575$1,339$1,134$736
16 years$2,003$1,695$1,428$1,199$1,003$628
17 years$1,865$1,561$1,300$1,077$889$537
18 years$1,743$1,442$1,186$971$790$461
19 years$1,634$1,337$1,086$877$705$396
20 years$1,536$1,242$997$794$629$340
21 years$1,448$1,157$917$721$563$293
22 years$1,367$1,080$845$656$505$253
23 years$1,294$1,010$780$597$453$218
24 years$1,227$947$722$544$407$189
25 years$1,165$888$668$497$366$163
26 years$1,109$835$620$455$330$141
27 years$1,056$786$576$416$298$122
28 years$1,007$740$535$381$269$106
29 years$962$698$498$350$243$92
30 years$920$660$464$321$219$80
31 years$881$624$432$295$198$69
32 years$844$590$403$271$179$60
33 years$809$559$377$249$162$52
34 years$777$530$352$229$147$45
35 years$747$502$329$211$133$39
36 years$718$477$308$194$120$34
37 years$691$453$288$179$109$29
38 years$665$430$270$165$99$26
39 years$641$409$253$152$90$22
40 years$618$389$237$140$81$19
41 years$596$371$222$129$74$17
42 years$575$353$208$119$67$15
43 years$556$336$196$110$61$13
44 years$537$321$184$102$55$11
45 years$519$306$172$94$50$10
46 years$502$292$162$87$46$8
47 years$486$278$152$80$41$7
48 years$470$266$143$74$38$6
49 years$456$254$134$69$34$5
50 years$441$242$126$63$31$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $452,000, adding $3,597 every year, while hoping to spend $26,037 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: 57/32/11 Blend
49$452,000$452,000$452,000$452,000
50$501,814$477,858$470,852$528,858
51$525,296$473,570$458,923$543,247
52$550,301$468,199$445,721$555,717
53$576,955$461,665$431,176$568,683
54$605,400$453,882$415,216$582,196
55$635,789$444,760$397,764$596,312
56$668,289$434,203$378,739$611,097
57$703,086$422,110$358,058$626,622
58$740,380$408,373$335,632$642,969
59$780,394$392,879$311,372$660,229
60$823,372$375,508$285,180$678,502
61$869,579$356,131$256,957$697,904
62$919,310$334,615$226,598$718,560
63$972,886$310,817$193,995$740,613
64$1,030,660$284,587$159,034$764,222
65$1,093,021$255,766$121,596$789,564
66$1,160,396$224,185$81,556$816,836
67$1,233,254$189,668$38,786$846,260
68$1,312,110$152,025$0$878,079
69$1,397,531$111,060$0$913,374
70$1,490,139$66,562$0$956,553
71$1,590,621$18,311$0$1,003,415
72$1,699,729$0$0$1,054,357
73$1,818,292$0$0$1,121,761
74$1,947,222$0$0$1,202,105
75$2,087,522$0$0$1,289,571
76$2,240,296$0$0$1,384,851
77$2,406,758$0$0$1,488,708
78$2,588,245$0$0$1,601,980
79$2,786,227$0$0$1,725,591
80$3,002,323$0$0$1,860,556
81$3,238,317$0$0$2,007,996
82$3,496,169$0$0$2,169,140
83$3,778,040$0$0$2,345,346
84$4,086,307$0$0$2,538,105
85$4,423,589$0$0$2,749,062
86$4,792,769$0$0$2,980,027
87$5,197,021$0$0$3,232,994
88$5,639,842$0$0$3,510,156
89$6,125,082$0$0$3,813,932
90$6,656,980$0$0$4,146,984
91$7,240,206$0$0$4,512,244
92$7,879,905$0$0$4,912,943
93$8,581,740$0$0$5,352,636
94$9,351,953$0$0$5,835,244
95$10,197,415$0$0$6,365,081
96$11,125,700$0$0$6,946,904
97$12,145,145$0$0$7,585,948
98$13,264,940$0$0$8,287,984
99$14,495,205$0$0$9,059,369
100$15,847,091$0$0$9,907,104