Can I retire at age 50 with 726,000?

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 $726,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$59,952$59,418$58,897$58,389$57,892$55,794
2 years$29,679$29,127$28,591$28,072$27,568$25,477
3 years$19,590$19,035$18,500$17,986$17,490$15,472
4 years$14,546$13,992$13,463$12,958$12,474$10,545
5 years$11,520$10,970$10,448$9,953$9,483$7,647
6 years$9,504$8,958$8,444$7,959$7,503$5,762
7 years$8,064$7,523$7,017$6,544$6,102$4,455
8 years$6,985$6,449$5,951$5,489$5,062$3,509
9 years$6,146$5,615$5,125$4,676$4,263$2,800
10 years$5,475$4,949$4,468$4,031$3,632$2,258
11 years$4,927$4,406$3,934$3,508$3,124$1,835
12 years$4,470$3,954$3,491$3,077$2,707$1,501
13 years$4,084$3,574$3,119$2,716$2,361$1,233
14 years$3,753$3,248$2,803$2,411$2,069$1,017
15 years$3,467$2,967$2,530$2,150$1,822$842
16 years$3,216$2,723$2,294$1,925$1,610$699
17 years$2,996$2,507$2,088$1,730$1,428$581
18 years$2,800$2,317$1,906$1,559$1,270$484
19 years$2,625$2,147$1,745$1,409$1,132$404
20 years$2,467$1,995$1,601$1,276$1,011$337
21 years$2,325$1,859$1,473$1,158$905$282
22 years$2,196$1,735$1,357$1,053$811$236
23 years$2,078$1,623$1,253$959$728$198
24 years$1,971$1,520$1,159$875$654$166
25 years$1,872$1,427$1,074$799$589$139
26 years$1,781$1,341$996$730$530$116
27 years$1,696$1,262$925$668$478$98
28 years$1,618$1,189$859$612$431$82
29 years$1,545$1,122$800$562$390$69
30 years$1,478$1,059$745$515$352$58
31 years$1,415$1,002$695$473$318$48
32 years$1,356$948$648$435$288$41
33 years$1,300$897$605$400$260$34
34 years$1,248$851$565$368$236$29
35 years$1,199$807$529$339$214$24
36 years$1,153$766$494$312$194$20
37 years$1,110$727$463$288$175$17
38 years$1,068$691$433$265$159$14
39 years$1,029$657$406$244$144$12
40 years$993$625$381$225$131$10
41 years$958$595$357$208$119$8
42 years$924$567$335$192$108$7
43 years$893$540$314$177$98$6
44 years$863$515$295$164$89$5
45 years$834$491$277$151$81$4
46 years$807$468$260$140$73$4
47 years$780$447$244$129$66$3
48 years$756$427$230$119$60$3
49 years$732$407$216$110$55$2
50 years$709$389$203$102$50$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $726,000, adding $3,137 every year, while hoping to spend $46,606 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: 78/10/12 Blend
49$726,000$726,000$726,000$726,000
50$803,288$764,810$753,557$863,872
51$835,635$752,697$729,213$892,061
52$869,719$738,429$702,491$916,686
53$905,669$721,850$673,262$942,365
54$943,623$702,797$641,393$969,185
55$983,735$681,096$606,742$997,241
56$1,026,169$656,563$569,161$1,026,638
57$1,071,108$629,005$528,498$1,057,493
58$1,118,749$598,214$484,590$1,089,935
59$1,169,309$563,974$437,271$1,124,106
60$1,223,024$526,054$386,365$1,160,163
61$1,280,153$484,211$331,689$1,198,281
62$1,340,979$438,187$273,051$1,238,653
63$1,405,812$387,712$210,251$1,281,492
64$1,474,991$332,497$143,082$1,327,034
65$1,548,890$272,238$71,324$1,375,540
66$1,627,914$206,616$0$1,427,300
67$1,712,512$135,291$0$1,483,304
68$1,803,173$57,905$0$1,553,024
69$1,900,435$0$0$1,627,739
70$2,004,888$0$0$1,710,768
71$2,117,180$0$0$1,806,894
72$2,238,020$0$0$1,910,355
73$2,368,191$0$0$2,021,824
74$2,508,548$0$0$2,142,035
75$2,660,034$0$0$2,271,799
76$2,823,683$0$0$2,412,004
77$3,000,633$0$0$2,563,626
78$3,192,134$0$0$2,727,741
79$3,399,558$0$0$2,905,528
80$3,624,417$0$0$3,098,285
81$3,868,373$0$0$3,307,440
82$4,133,251$0$0$3,534,562
83$4,421,061$0$0$3,781,379
84$4,734,014$0$0$4,049,789
85$5,074,541$0$0$4,341,882
86$5,445,318$0$0$4,659,957
87$5,849,289$0$0$5,006,545
88$6,289,694$0$0$5,384,430
89$6,770,100$0$0$5,796,676
90$7,294,432$0$0$6,246,658
91$7,867,009$0$0$6,738,087
92$8,492,588$0$0$7,275,051
93$9,176,406$0$0$7,862,051
94$9,924,226$0$0$8,504,041
95$10,742,397$0$0$9,206,475
96$11,637,906$0$0$9,975,361
97$12,618,452$0$0$10,817,312
98$13,692,507$0$0$11,739,614
99$14,869,405$0$0$12,750,286
100$16,159,426$0$0$13,858,164