Can I retire at age 50 with 535,000?

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 $535,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$44,180$43,786$43,402$43,028$42,662$41,379
2 years$21,871$21,464$21,069$20,686$20,315$19,034
3 years$14,436$14,027$13,633$13,254$12,889$11,649
4 years$10,719$10,311$9,921$9,549$9,192$8,003
5 years$8,490$8,084$7,699$7,334$6,988$5,853
6 years$7,004$6,601$6,222$5,865$5,529$4,449
7 years$5,943$5,544$5,171$4,822$4,497$3,472
8 years$5,147$4,752$4,385$4,045$3,731$2,760
9 years$4,529$4,137$3,777$3,446$3,142$2,225
10 years$4,035$3,647$3,293$2,970$2,677$1,812
11 years$3,631$3,247$2,899$2,585$2,302$1,488
12 years$3,294$2,914$2,573$2,267$1,995$1,230
13 years$3,009$2,633$2,299$2,002$1,740$1,022
14 years$2,766$2,394$2,065$1,777$1,525$852
15 years$2,555$2,187$1,865$1,585$1,343$713
16 years$2,370$2,006$1,691$1,419$1,187$599
17 years$2,208$1,848$1,538$1,275$1,052$504
18 years$2,063$1,707$1,404$1,149$936$425
19 years$1,934$1,582$1,286$1,038$834$359
20 years$1,818$1,470$1,180$940$745$303
21 years$1,714$1,370$1,085$853$667$257
22 years$1,618$1,279$1,000$776$597$218
23 years$1,532$1,196$924$707$536$184
24 years$1,452$1,120$854$644$482$157
25 years$1,379$1,051$791$589$434$133
26 years$1,312$988$734$538$391$113
27 years$1,250$930$681$493$352$96
28 years$1,192$876$633$451$318$82
29 years$1,139$827$589$414$287$69
30 years$1,089$781$549$380$259$59
31 years$1,042$738$512$349$234$50
32 years$999$698$478$321$212$43
33 years$958$661$446$295$192$36
34 years$920$627$417$271$174$31
35 years$884$595$389$250$157$26
36 years$850$564$364$230$143$22
37 years$818$536$341$212$129$19
38 years$787$509$319$195$117$16
39 years$759$484$299$180$106$14
40 years$731$461$280$166$96$12
41 years$706$439$263$153$87$10
42 years$681$418$247$141$79$9
43 years$658$398$231$131$72$7
44 years$636$379$217$121$65$6
45 years$615$362$204$111$59$5
46 years$594$345$192$103$54$4
47 years$575$329$180$95$49$4
48 years$557$314$169$88$44$3
49 years$539$300$159$81$40$3
50 years$522$287$149$75$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $535,000, adding $5,045 every year, while hoping to spend $24,074 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: 70/17/13 Blend
49$535,000$535,000$535,000$535,000
50$594,774$566,419$558,126$634,368
51$629,826$568,559$551,209$663,451
52$667,647$569,997$543,253$691,881
53$708,494$570,673$534,199$722,364
54$752,648$570,524$523,982$755,097
55$800,420$569,482$512,538$790,300
56$852,152$567,475$499,797$828,213
57$908,218$564,428$485,686$869,102
58$969,031$560,260$470,132$913,262
59$1,035,044$554,885$453,053$961,016
60$1,106,757$548,213$434,369$1,012,722
61$1,184,718$540,147$413,992$1,068,775
62$1,269,530$530,585$391,832$1,129,609
63$1,361,859$519,420$367,795$1,195,706
64$1,462,434$506,538$341,782$1,267,596
65$1,572,061$491,816$313,689$1,345,864
66$1,691,624$475,128$283,411$1,431,155
67$1,822,097$456,337$250,833$1,524,183
68$1,964,554$435,300$215,838$1,625,732
69$2,120,174$411,865$178,305$1,736,670
70$2,290,257$385,872$138,103$1,857,954
71$2,476,234$357,151$95,101$1,990,640
72$2,679,681$325,522$49,157$2,135,892
73$2,902,332$290,796$127$2,294,994
74$3,146,096$252,772$0$2,469,365
75$3,413,078$211,238$0$2,667,808
76$3,705,594$165,970$0$2,885,297
77$4,026,194$116,732$0$3,123,739
78$4,377,689$63,275$0$3,385,258
79$4,763,171$5,334$0$3,672,193
80$5,186,050$0$0$3,987,123
81$5,650,080$0$0$4,343,625
82$6,159,394$0$0$4,736,042
83$6,718,549$0$0$5,166,891
84$7,332,560$0$0$5,640,042
85$8,006,955$0$0$6,159,757
86$8,747,823$0$0$6,730,733
87$9,561,870$0$0$7,358,143
88$10,456,485$0$0$8,047,686
89$11,439,809$0$0$8,805,641
90$12,520,811$0$0$9,638,926
91$13,709,370$0$0$10,555,162
92$15,016,372$0$0$11,562,746
93$16,453,811$0$0$12,670,928
94$18,034,900$0$0$13,889,902
95$19,774,199$0$0$15,230,897
96$21,687,748$0$0$16,706,287
97$23,793,221$0$0$18,329,704
98$26,110,092$0$0$20,116,170
99$28,659,817$0$0$22,082,236
100$31,466,040$0$0$24,246,139