Can I retire at age 50 with 727,000?

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 $727,000?

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$60,035$59,500$58,978$58,469$57,972$56,139
2 years$29,720$29,167$28,630$28,110$27,606$25,775
3 years$19,617$19,061$18,526$18,010$17,514$15,744
4 years$14,566$14,012$13,482$12,976$12,491$10,795
5 years$11,536$10,985$10,463$9,966$9,496$7,878
6 years$9,517$8,970$8,455$7,970$7,514$5,976
7 years$8,075$7,533$7,026$6,553$6,111$4,652
8 years$6,995$6,457$5,959$5,497$5,069$3,690
9 years$6,155$5,622$5,132$4,682$4,269$2,967
10 years$5,483$4,956$4,475$4,036$3,637$2,410
11 years$4,934$4,412$3,939$3,513$3,128$1,974
12 years$4,476$3,960$3,496$3,081$2,711$1,627
13 years$4,089$3,579$3,124$2,720$2,364$1,348
14 years$3,758$3,253$2,806$2,415$2,072$1,122
15 years$3,472$2,972$2,534$2,153$1,825$936
16 years$3,221$2,726$2,297$1,928$1,613$784
17 years$3,000$2,511$2,090$1,732$1,430$657
18 years$2,804$2,320$1,908$1,561$1,271$553
19 years$2,628$2,150$1,747$1,411$1,133$465
20 years$2,471$1,998$1,603$1,278$1,012$392
21 years$2,328$1,861$1,475$1,160$906$331
22 years$2,199$1,737$1,359$1,054$812$280
23 years$2,081$1,625$1,255$960$729$236
24 years$1,973$1,522$1,161$876$655$200
25 years$1,874$1,429$1,075$800$589$169
26 years$1,783$1,343$997$731$531$143
27 years$1,699$1,264$926$669$479$121
28 years$1,620$1,191$861$613$432$103
29 years$1,548$1,123$801$562$390$87
30 years$1,480$1,061$746$516$352$74
31 years$1,417$1,003$695$474$319$63
32 years$1,357$949$649$436$288$53
33 years$1,302$899$606$401$261$45
34 years$1,250$852$566$369$236$38
35 years$1,201$808$529$339$214$32
36 years$1,155$767$495$312$194$28
37 years$1,111$728$463$288$176$23
38 years$1,070$692$434$265$159$20
39 years$1,031$658$407$245$144$17
40 years$994$626$381$226$131$14
41 years$959$596$357$208$119$12
42 years$926$568$335$192$108$10
43 years$894$541$315$177$98$9
44 years$864$516$295$164$89$7
45 years$835$492$277$151$81$6
46 years$808$469$260$140$73$5
47 years$782$448$245$129$66$5
48 years$757$427$230$119$60$4
49 years$733$408$216$110$55$3
50 years$710$390$203$102$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $727,000, adding $4,543 every year, while hoping to spend $52,368 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: 66/22/12 Blend
49$727,000$727,000$727,000$727,000
50$805,840$767,309$756,041$856,563
51$832,317$749,188$725,649$872,829
52$859,739$728,424$692,484$884,012
53$888,147$704,832$656,397$894,903
54$917,586$678,217$617,234$905,469
55$948,101$648,371$574,833$915,675
56$979,742$615,075$529,025$925,486
57$1,012,561$578,099$479,632$934,865
58$1,046,613$537,197$426,470$943,773
59$1,081,958$492,110$369,347$952,169
60$1,118,658$442,564$308,061$960,012
61$1,156,781$388,270$242,402$967,257
62$1,196,400$328,922$172,149$973,860
63$1,237,591$264,197$97,074$979,774
64$1,280,438$193,755$16,938$984,951
65$1,325,027$117,234$0$989,341
66$1,371,456$34,254$0$1,001,675
67$1,419,825$0$0$1,016,004
68$1,470,245$0$0$1,043,597
69$1,522,834$0$0$1,081,036
70$1,577,720$0$0$1,120,119
71$1,635,041$0$0$1,160,946
72$1,694,945$0$0$1,203,626
73$1,757,592$0$0$1,248,272
74$1,823,157$0$0$1,295,012
75$1,891,827$0$0$1,343,981
76$1,963,808$0$0$1,395,326
77$2,039,319$0$0$1,449,208
78$2,118,601$0$0$1,505,799
79$2,201,915$0$0$1,565,290
80$2,289,545$0$0$1,627,884
81$2,381,798$0$0$1,693,805
82$2,479,011$0$0$1,763,297
83$2,581,549$0$0$1,836,623
84$2,689,811$0$0$1,914,073
85$2,804,231$0$0$1,995,961
86$2,925,284$0$0$2,082,631
87$3,053,488$0$0$2,174,459
88$3,189,408$0$0$2,271,855
89$3,333,662$0$0$2,375,266
90$3,486,927$0$0$2,485,183
91$3,649,941$0$0$2,602,143
92$3,823,514$0$0$2,726,731
93$4,008,532$0$0$2,859,592
94$4,205,966$0$0$3,001,428
95$4,416,877$0$0$3,153,012
96$4,642,430$0$0$3,315,188
97$4,883,904$0$0$3,488,885
98$5,142,699$0$0$3,675,118
99$5,420,350$0$0$3,875,003
100$5,718,545$0$0$4,089,766