Can I retire at age 50 with 752,000?

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 $752,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$62,099$61,546$61,007$60,480$59,966$58,587
2 years$30,742$30,170$29,615$29,077$28,555$27,174
3 years$20,291$19,716$19,163$18,630$18,116$16,776
4 years$15,067$14,494$13,946$13,422$12,921$11,631
5 years$11,933$11,363$10,822$10,309$9,822$8,587
6 years$9,844$9,279$8,746$8,244$7,772$6,592
7 years$8,353$7,792$7,268$6,778$6,321$5,197
8 years$7,235$6,679$6,164$5,686$5,244$4,175
9 years$6,366$5,816$5,309$4,843$4,416$3,402
10 years$5,671$5,126$4,628$4,175$3,763$2,802
11 years$5,103$4,564$4,075$3,633$3,236$2,328
12 years$4,630$4,096$3,616$3,187$2,804$1,947
13 years$4,230$3,702$3,231$2,814$2,445$1,637
14 years$3,888$3,365$2,903$2,498$2,144$1,383
15 years$3,591$3,074$2,621$2,227$1,887$1,172
16 years$3,332$2,820$2,376$1,994$1,668$997
17 years$3,103$2,597$2,162$1,792$1,479$850
18 years$2,900$2,400$1,974$1,615$1,315$726
19 years$2,719$2,224$1,807$1,459$1,172$621
20 years$2,556$2,067$1,658$1,322$1,047$533
21 years$2,409$1,925$1,525$1,199$937$457
22 years$2,275$1,797$1,406$1,091$840$393
23 years$2,153$1,681$1,298$993$754$338
24 years$2,041$1,575$1,201$906$678$291
25 years$1,939$1,478$1,112$827$610$250
26 years$1,844$1,389$1,031$756$549$216
27 years$1,757$1,307$958$692$495$186
28 years$1,676$1,232$890$634$447$161
29 years$1,601$1,162$828$582$403$139
30 years$1,531$1,097$772$534$365$120
31 years$1,465$1,037$719$490$330$103
32 years$1,404$982$671$451$298$89
33 years$1,347$930$627$414$270$77
34 years$1,293$881$586$381$244$67
35 years$1,242$836$547$351$221$58
36 years$1,194$793$512$323$200$50
37 years$1,149$753$479$298$182$43
38 years$1,107$716$449$275$165$37
39 years$1,066$681$421$253$149$32
40 years$1,028$648$394$233$135$28
41 years$992$617$370$215$123$24
42 years$957$587$347$199$112$21
43 years$925$559$325$184$101$18
44 years$893$533$305$169$92$16
45 years$864$509$287$156$83$13
46 years$835$485$269$145$76$12
47 years$808$463$253$134$69$10
48 years$783$442$238$123$62$9
49 years$758$422$224$114$57$8
50 years$734$403$210$105$52$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $752,000, adding $5,617 every year, while hoping to spend $34,948 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: 51/27/22 Blend
49$752,000$752,000$752,000$752,000
50$834,498$794,642$782,986$871,678
51$882,432$796,395$772,032$899,745
52$934,085$797,063$759,539$926,208
53$989,797$796,555$745,420$954,253
54$1,049,947$794,776$729,581$984,044
55$1,114,945$791,624$711,926$1,015,761
56$1,185,248$786,992$692,354$1,049,607
57$1,261,354$780,765$670,758$1,085,805
58$1,343,812$772,822$647,028$1,124,605
59$1,433,225$763,035$621,048$1,166,284
60$1,530,257$751,267$592,696$1,211,147
61$1,635,638$737,373$561,847$1,259,537
62$1,750,170$721,202$528,366$1,311,830
63$1,874,738$702,591$492,116$1,368,445
64$2,010,312$681,369$452,953$1,429,849
65$2,157,961$657,353$410,724$1,496,554
66$2,318,863$630,353$365,273$1,569,134
67$2,494,311$600,165$316,434$1,648,220
68$2,685,731$566,573$264,035$1,734,514
69$2,894,691$529,351$207,896$1,828,791
70$3,122,919$488,258$147,829$1,931,912
71$3,372,314$443,040$83,639$2,044,828
72$3,644,969$393,429$15,120$2,168,594
73$3,943,189$339,140$0$2,304,374
74$4,269,510$279,873$0$2,467,075
75$4,626,725$215,312$0$2,649,182
76$5,017,911$145,122$0$2,848,774
77$5,446,454$68,949$0$3,067,656
78$5,916,084$0$0$3,307,817
79$6,430,912$0$0$3,575,490
80$6,995,460$0$0$3,891,555
81$7,614,713$0$0$4,238,327
82$8,294,160$0$0$4,618,888
83$9,039,847$0$0$5,036,638
84$9,858,434$0$0$5,495,316
85$10,757,257$0$0$5,999,045
86$11,744,398$0$0$6,552,365
87$12,828,759$0$0$7,160,279
88$14,020,148$0$0$7,828,297
89$15,329,369$0$0$8,562,489
90$16,768,323$0$0$9,369,543
91$18,350,125$0$0$10,256,827
92$20,089,221$0$0$11,232,460
93$22,001,527$0$0$12,305,385
94$24,104,579$0$0$13,485,455
95$26,417,698$0$0$14,783,527
96$28,962,170$0$0$16,211,564
97$31,761,449$0$0$17,782,743
98$34,841,377$0$0$19,511,587
99$38,230,425$0$0$21,414,097
100$41,959,966$0$0$23,507,900