Can I retire at age 50 with 527,000?

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 $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%17.8%
1 years$43,519$43,132$42,753$42,384$42,024$40,695
2 years$21,544$21,143$20,754$20,377$20,011$18,684
3 years$14,220$13,817$13,429$13,056$12,696$11,413
4 years$10,559$10,157$9,773$9,406$9,055$7,825
5 years$8,363$7,963$7,584$7,225$6,883$5,711
6 years$6,899$6,503$6,129$5,778$5,447$4,332
7 years$5,854$5,461$5,093$4,750$4,430$3,372
8 years$5,070$4,681$4,320$3,985$3,675$2,675
9 years$4,461$4,076$3,720$3,394$3,095$2,151
10 years$3,974$3,592$3,244$2,926$2,637$1,747
11 years$3,576$3,198$2,856$2,546$2,268$1,431
12 years$3,245$2,870$2,534$2,233$1,965$1,180
13 years$2,964$2,594$2,264$1,972$1,714$977
14 years$2,724$2,358$2,034$1,750$1,502$813
15 years$2,517$2,154$1,837$1,561$1,323$679
16 years$2,335$1,976$1,665$1,398$1,169$568
17 years$2,175$1,820$1,515$1,256$1,036$477
18 years$2,032$1,682$1,383$1,132$922$401
19 years$1,905$1,559$1,266$1,023$821$337
20 years$1,791$1,448$1,162$926$734$284
21 years$1,688$1,349$1,069$841$657$240
22 years$1,594$1,259$985$764$589$203
23 years$1,509$1,178$910$696$528$171
24 years$1,431$1,104$841$635$475$145
25 years$1,359$1,036$779$580$427$123
26 years$1,292$973$723$530$385$104
27 years$1,231$916$671$485$347$88
28 years$1,175$863$624$445$313$75
29 years$1,122$814$581$408$283$63
30 years$1,073$769$541$374$255$54
31 years$1,027$727$504$344$231$45
32 years$984$688$470$316$209$39
33 years$944$651$439$290$189$33
34 years$906$617$410$267$171$28
35 years$870$586$384$246$155$24
36 years$837$556$359$227$140$20
37 years$805$528$336$209$127$17
38 years$776$502$315$192$115$14
39 years$747$477$295$177$105$12
40 years$720$454$276$164$95$10
41 years$695$432$259$151$86$9
42 years$671$411$243$139$78$7
43 years$648$392$228$129$71$6
44 years$626$374$214$119$64$5
45 years$605$356$201$110$58$5
46 years$585$340$189$101$53$4
47 years$567$324$177$94$48$3
48 years$548$310$167$86$44$3
49 years$531$296$157$80$40$2
50 years$515$283$147$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $527,000, adding $4,302 every year, while hoping to spend $32,234 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: 34/50/16 Blend
49$527,000$527,000$527,000$527,000
50$585,192$557,261$549,092$602,054
51$610,584$550,270$533,190$607,772
52$637,487$541,856$515,675$610,612
53$666,019$531,915$496,458$612,983
54$696,312$520,338$475,449$614,861
55$728,509$507,008$452,550$616,223
56$762,768$491,802$427,660$617,046
57$799,259$474,589$400,676$617,310
58$838,170$455,231$371,486$616,994
59$879,709$433,583$339,976$616,079
60$924,100$409,489$306,026$614,549
61$971,591$382,786$269,510$612,391
62$1,022,452$353,302$230,298$609,595
63$1,076,982$320,853$188,252$606,152
64$1,135,506$285,247$143,231$602,061
65$1,198,383$246,280$95,085$597,324
66$1,266,006$203,735$43,658$591,950
67$1,338,806$157,386$0$585,954
68$1,417,257$106,990$0$581,276
69$1,501,879$52,295$0$584,110
70$1,593,246$0$0$587,069
71$1,691,984$0$0$594,074
72$1,798,784$0$0$632,834
73$1,914,406$0$0$674,859
74$2,039,684$0$0$720,462
75$2,175,535$0$0$769,984
76$2,322,970$0$0$823,802
77$2,483,096$0$0$882,332
78$2,657,136$0$0$946,028
79$2,846,432$0$0$1,015,393
80$3,052,462$0$0$1,090,978
81$3,276,851$0$0$1,173,392
82$3,521,389$0$0$1,263,302
83$3,788,044$0$0$1,361,445
84$4,078,982$0$0$1,468,632
85$4,396,591$0$0$1,585,753
86$4,743,494$0$0$1,713,792
87$5,122,583$0$0$1,853,828
88$5,537,039$0$0$2,007,053
89$5,990,366$0$0$2,174,778
90$6,486,421$0$0$2,358,445
91$7,029,453$0$0$2,559,643
92$7,624,140$0$0$2,780,125
93$8,275,630$0$0$3,021,816
94$8,989,599$0$0$3,286,840
95$9,772,293$0$0$3,577,537
96$10,630,593$0$0$3,896,480
97$11,572,078$0$0$4,246,508
98$12,605,094$0$0$4,630,745
99$13,738,838$0$0$5,052,634
100$14,983,435$0$0$5,515,966