Can I retire at age 50 with 772,000?

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 $772,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$63,751$63,183$62,629$62,088$61,560$59,095
2 years$31,560$30,972$30,403$29,850$29,314$26,861
3 years$20,831$20,241$19,672$19,125$18,598$16,235
4 years$15,468$14,879$14,316$13,779$13,264$11,009
5 years$12,250$11,665$11,110$10,583$10,083$7,941
6 years$10,106$9,526$8,979$8,464$7,979$5,951
7 years$8,575$8,000$7,461$6,958$6,489$4,575
8 years$7,428$6,857$6,328$5,837$5,383$3,582
9 years$6,535$5,970$5,450$4,972$4,533$2,841
10 years$5,822$5,263$4,752$4,286$3,863$2,276
11 years$5,239$4,685$4,183$3,730$3,322$1,838
12 years$4,753$4,205$3,712$3,272$2,879$1,493
13 years$4,343$3,800$3,317$2,888$2,510$1,219
14 years$3,991$3,454$2,980$2,564$2,201$998
15 years$3,686$3,155$2,691$2,287$1,938$820
16 years$3,420$2,895$2,440$2,047$1,712$676
17 years$3,186$2,666$2,220$1,840$1,518$558
18 years$2,977$2,464$2,026$1,658$1,350$461
19 years$2,791$2,283$1,855$1,498$1,203$382
20 years$2,624$2,122$1,703$1,357$1,075$317
21 years$2,473$1,976$1,566$1,231$962$263
22 years$2,335$1,845$1,443$1,120$862$218
23 years$2,210$1,725$1,333$1,020$774$181
24 years$2,096$1,617$1,232$930$696$151
25 years$1,990$1,517$1,142$849$626$125
26 years$1,893$1,426$1,059$777$564$104
27 years$1,804$1,342$983$711$508$87
28 years$1,721$1,264$914$651$459$72
29 years$1,643$1,193$850$597$414$60
30 years$1,571$1,127$792$548$374$50
31 years$1,504$1,065$739$503$338$42
32 years$1,441$1,008$689$463$306$35
33 years$1,383$954$643$425$277$29
34 years$1,327$904$601$391$251$24
35 years$1,275$858$562$360$227$20
36 years$1,226$814$526$332$206$17
37 years$1,180$773$492$306$187$14
38 years$1,136$735$461$282$169$12
39 years$1,095$699$432$260$153$10
40 years$1,055$665$405$240$139$8
41 years$1,018$633$379$221$126$7
42 years$983$603$356$204$115$6
43 years$949$574$334$188$104$5
44 years$917$547$314$174$94$4
45 years$887$522$294$161$86$3
46 years$858$498$276$148$78$3
47 years$830$475$260$137$71$2
48 years$803$454$244$127$64$2
49 years$778$433$229$117$58$2
50 years$754$414$216$108$53$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $772,000, adding $5,709 every year, while hoping to spend $33,873 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: 50/21/29 Blend
49$772,000$772,000$772,000$772,000
50$856,633$815,717$803,751$892,177
51$907,969$819,646$794,636$921,574
52$963,406$822,633$784,080$949,695
53$1,023,326$824,595$772,000$979,606
54$1,088,151$825,446$758,307$1,011,493
55$1,158,341$825,092$742,910$1,045,564
56$1,234,406$823,435$725,711$1,082,047
57$1,316,903$820,371$706,611$1,121,198
58$1,406,448$815,790$685,503$1,163,299
59$1,503,716$809,574$662,277$1,208,663
60$1,609,451$801,599$636,819$1,257,639
61$1,724,469$791,732$609,007$1,310,611
62$1,849,671$779,833$578,715$1,368,007
63$1,986,047$765,754$545,811$1,430,301
64$2,134,686$749,338$510,158$1,498,016
65$2,296,787$730,419$471,612$1,571,734
66$2,473,671$708,820$430,022$1,652,097
67$2,666,788$684,356$385,230$1,739,819
68$2,877,739$656,827$337,074$1,835,688
69$3,108,283$626,027$285,381$1,940,576
70$3,360,358$591,733$229,972$2,055,449
71$3,636,099$553,712$170,660$2,181,376
72$3,937,855$511,717$107,250$2,319,537
73$4,268,212$465,487$39,539$2,471,240
74$4,630,019$414,746$0$2,637,930
75$5,026,414$359,201$0$2,831,331
76$5,460,851$298,545$0$3,056,797
77$5,937,136$232,452$0$3,304,106
78$6,459,459$160,577$0$3,575,492
79$7,032,436$82,558$0$3,873,415
80$7,661,151$0$0$4,200,594
81$8,351,205$0$0$4,560,482
82$9,108,765$0$0$4,976,606
83$9,940,628$0$0$5,433,629
84$10,854,277$0$0$5,935,675
85$11,857,960$0$0$6,487,285
86$12,960,759$0$0$7,093,464
87$14,172,683$0$0$7,759,725
88$15,504,755$0$0$8,492,140
89$16,969,122$0$0$9,297,400
90$18,579,166$0$0$10,182,878
91$20,349,628$0$0$11,156,694
92$22,296,753$0$0$12,227,797
93$24,438,435$0$0$13,406,046
94$26,794,392$0$0$14,702,303
95$29,386,349$0$0$16,128,537
96$32,238,241$0$0$17,697,935
97$35,376,443$0$0$19,425,026
98$38,830,014$0$0$21,325,820
99$42,630,971$0$0$23,417,958
100$46,814,596$0$0$25,720,876