Can I retire at age 50 with 452,000?

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 $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%18.9%
1 years$37,326$36,993$36,669$36,352$36,043$34,750
2 years$18,478$18,134$17,800$17,477$17,163$15,875
3 years$12,196$11,851$11,518$11,198$10,889$9,646
4 years$9,056$8,712$8,382$8,067$7,766$6,577
5 years$7,172$6,830$6,505$6,196$5,904$4,772
6 years$5,917$5,577$5,257$4,955$4,671$3,598
7 years$5,021$4,684$4,369$4,074$3,799$2,784
8 years$4,349$4,015$3,705$3,418$3,152$2,193
9 years$3,826$3,496$3,191$2,911$2,654$1,752
10 years$3,409$3,081$2,782$2,509$2,262$1,413
11 years$3,067$2,743$2,449$2,184$1,945$1,149
12 years$2,783$2,462$2,174$1,916$1,685$941
13 years$2,543$2,225$1,942$1,691$1,470$773
14 years$2,337$2,022$1,745$1,501$1,288$639
15 years$2,158$1,847$1,575$1,339$1,134$529
16 years$2,003$1,695$1,428$1,199$1,003$439
17 years$1,865$1,561$1,300$1,077$889$365
18 years$1,743$1,442$1,186$971$790$305
19 years$1,634$1,337$1,086$877$705$254
20 years$1,536$1,242$997$794$629$213
21 years$1,448$1,157$917$721$563$178
22 years$1,367$1,080$845$656$505$149
23 years$1,294$1,010$780$597$453$125
24 years$1,227$947$722$544$407$105
25 years$1,165$888$668$497$366$88
26 years$1,109$835$620$455$330$74
27 years$1,056$786$576$416$298$62
28 years$1,007$740$535$381$269$52
29 years$962$698$498$350$243$44
30 years$920$660$464$321$219$37
31 years$881$624$432$295$198$31
32 years$844$590$403$271$179$26
33 years$809$559$377$249$162$22
34 years$777$530$352$229$147$18
35 years$747$502$329$211$133$15
36 years$718$477$308$194$120$13
37 years$691$453$288$179$109$11
38 years$665$430$270$165$99$9
39 years$641$409$253$152$90$8
40 years$618$389$237$140$81$6
41 years$596$371$222$129$74$5
42 years$575$353$208$119$67$5
43 years$556$336$196$110$61$4
44 years$537$321$184$102$55$3
45 years$519$306$172$94$50$3
46 years$502$292$162$87$46$2
47 years$486$278$152$80$41$2
48 years$470$266$143$74$38$2
49 years$456$254$134$69$34$1
50 years$441$242$126$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $452,000, adding $2,119 every year, while hoping to spend $20,719 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: 63/25/12 Blend
49$452,000$452,000$452,000$452,000
50$500,290$476,334$469,328$530,280
51$529,274$477,629$463,005$551,910
52$560,521$478,294$455,777$572,937
53$594,239$478,275$447,590$595,383
54$630,657$477,516$438,390$619,386
55$670,027$475,957$428,119$645,098
56$712,627$473,537$416,718$672,688
57$758,762$470,186$404,125$702,342
58$808,765$465,836$390,273$734,266
59$863,007$460,409$375,095$768,688
60$921,891$453,826$358,517$805,858
61$985,863$446,003$340,467$846,055
62$1,055,413$436,849$320,865$889,586
63$1,131,081$426,271$299,630$936,789
64$1,213,459$414,166$276,675$988,041
65$1,303,201$400,429$251,913$1,043,756
66$1,401,024$384,947$225,249$1,104,390
67$1,507,720$367,600$196,586$1,170,449
68$1,624,158$348,263$165,822$1,242,493
69$1,751,296$326,802$132,851$1,321,137
70$1,890,189$303,076$97,562$1,407,064
71$2,041,997$276,935$59,839$1,501,025
72$2,207,998$248,223$19,561$1,603,852
73$2,389,599$216,771$0$1,716,462
74$2,588,350$182,405$0$1,842,867
75$2,805,956$144,937$0$1,984,055
76$3,044,297$104,172$0$2,138,771
77$3,305,440$59,901$0$2,308,396
78$3,591,664$11,906$0$2,494,456
79$3,905,479$0$0$2,698,632
80$4,249,649$0$0$2,933,793
81$4,627,217$0$0$3,195,402
82$5,041,536$0$0$3,482,508
83$5,496,299$0$0$3,797,677
84$5,995,574$0$0$4,143,731
85$6,543,844$0$0$4,523,782
86$7,146,043$0$0$4,941,256
87$7,807,611$0$0$5,399,927
88$8,534,538$0$0$5,903,955
89$9,333,424$0$0$6,457,920
90$10,211,539$0$0$7,066,871
91$11,176,895$0$0$7,736,367
92$12,238,316$0$0$8,472,535
93$13,405,525$0$0$9,282,125
94$14,689,235$0$0$10,172,572
95$16,101,249$0$0$11,152,071
96$17,654,569$0$0$12,229,648
97$19,363,525$0$0$13,415,251
98$21,243,902$0$0$14,719,837
99$23,313,095$0$0$16,155,483
100$25,590,268$0$0$17,735,492