Can I retire at age 50 with 527,000?

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 $527,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$43,519$43,132$42,753$42,384$42,024$40,991
2 years$21,544$21,143$20,754$20,377$20,011$18,977
3 years$14,220$13,817$13,429$13,056$12,696$11,693
4 years$10,559$10,157$9,773$9,406$9,055$8,091
5 years$8,363$7,963$7,584$7,225$6,883$5,961
6 years$6,899$6,503$6,129$5,778$5,447$4,566
7 years$5,854$5,461$5,093$4,750$4,430$3,591
8 years$5,070$4,681$4,320$3,985$3,675$2,879
9 years$4,461$4,076$3,720$3,394$3,095$2,340
10 years$3,974$3,592$3,244$2,926$2,637$1,923
11 years$3,576$3,198$2,856$2,546$2,268$1,593
12 years$3,245$2,870$2,534$2,233$1,965$1,329
13 years$2,964$2,594$2,264$1,972$1,714$1,114
14 years$2,724$2,358$2,034$1,750$1,502$939
15 years$2,517$2,154$1,837$1,561$1,323$793
16 years$2,335$1,976$1,665$1,398$1,169$673
17 years$2,175$1,820$1,515$1,256$1,036$572
18 years$2,032$1,682$1,383$1,132$922$487
19 years$1,905$1,559$1,266$1,023$821$416
20 years$1,791$1,448$1,162$926$734$355
21 years$1,688$1,349$1,069$841$657$304
22 years$1,594$1,259$985$764$589$260
23 years$1,509$1,178$910$696$528$223
24 years$1,431$1,104$841$635$475$192
25 years$1,359$1,036$779$580$427$164
26 years$1,292$973$723$530$385$141
27 years$1,231$916$671$485$347$121
28 years$1,175$863$624$445$313$104
29 years$1,122$814$581$408$283$90
30 years$1,073$769$541$374$255$77
31 years$1,027$727$504$344$231$67
32 years$984$688$470$316$209$57
33 years$944$651$439$290$189$49
34 years$906$617$410$267$171$42
35 years$870$586$384$246$155$37
36 years$837$556$359$227$140$32
37 years$805$528$336$209$127$27
38 years$776$502$315$192$115$23
39 years$747$477$295$177$105$20
40 years$720$454$276$164$95$17
41 years$695$432$259$151$86$15
42 years$671$411$243$139$78$13
43 years$648$392$228$129$71$11
44 years$626$374$214$119$64$10
45 years$605$356$201$110$58$8
46 years$585$340$189$101$53$7
47 years$567$324$177$94$48$6
48 years$548$310$167$86$44$5
49 years$531$296$157$80$40$5
50 years$515$283$147$74$36$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $527,000, adding $5,975 every year, while hoping to spend $32,309 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: 57/14/29 Blend
49$527,000$527,000$527,000$527,000
50$586,917$558,986$550,818$615,387
51$612,406$552,000$534,894$628,628
52$639,412$543,589$517,353$639,180
53$668,056$533,648$498,108$650,028
54$698,469$522,068$477,066$661,210
55$730,796$508,733$454,131$672,772
56$765,194$493,518$429,202$684,765
57$801,837$476,293$402,172$697,245
58$840,913$456,920$372,934$710,279
59$882,629$435,251$341,370$723,941
60$927,212$411,134$307,361$738,314
61$974,911$384,403$270,781$753,494
62$1,025,999$354,886$231,499$769,586
63$1,080,775$322,399$189,378$786,711
64$1,139,567$286,749$144,275$805,005
65$1,202,734$247,732$96,040$824,617
66$1,270,674$205,132$44,518$845,719
67$1,343,819$158,719$0$868,501
68$1,422,646$108,254$0$896,415
69$1,507,679$53,482$0$941,371
70$1,599,493$0$0$989,901
71$1,698,720$0$0$1,043,264
72$1,806,054$0$0$1,109,936
73$1,922,260$0$0$1,182,157
74$2,048,176$0$0$1,260,454
75$2,184,726$0$0$1,345,404
76$2,332,924$0$0$1,437,646
77$2,493,887$0$0$1,537,879
78$2,668,844$0$0$1,646,874
79$2,859,144$0$0$1,765,479
80$3,066,274$0$0$1,894,626
81$3,291,869$0$0$2,035,342
82$3,537,730$0$0$2,188,756
83$3,805,836$0$0$2,356,111
84$4,098,368$0$0$2,538,775
85$4,417,725$0$0$2,738,256
86$4,766,547$0$0$2,956,209
87$5,147,744$0$0$3,194,461
88$5,564,515$0$0$3,455,022
89$6,020,385$0$0$3,740,104
90$6,519,235$0$0$4,052,143
91$7,065,338$0$0$4,393,823
92$7,663,400$0$0$4,768,097
93$8,318,602$0$0$5,178,219
94$9,036,651$0$0$5,627,773
95$9,823,832$0$0$6,120,705
96$10,687,066$0$0$6,661,361
97$11,633,979$0$0$7,254,529
98$12,672,967$0$0$7,905,482
99$13,813,279$0$0$8,620,028
100$15,065,106$0$0$9,404,566