Can I retire at age 50 with 773,000?

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 $773,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$63,834$63,265$62,710$62,169$61,640$60,445
2 years$31,601$31,012$30,442$29,889$29,352$28,153
3 years$20,858$20,267$19,698$19,150$18,622$17,456
4 years$15,488$14,898$14,335$13,797$13,282$12,158
5 years$12,266$11,680$11,125$10,597$10,096$9,018
6 years$10,119$9,538$8,990$8,475$7,989$6,958
7 years$8,586$8,010$7,471$6,967$6,497$5,513
8 years$7,437$6,866$6,336$5,845$5,390$4,452
9 years$6,544$5,978$5,457$4,978$4,539$3,647
10 years$5,830$5,269$4,758$4,291$3,868$3,021
11 years$5,246$4,691$4,189$3,735$3,326$2,524
12 years$4,759$4,210$3,717$3,276$2,882$2,123
13 years$4,348$3,805$3,321$2,892$2,514$1,796
14 years$3,996$3,459$2,984$2,567$2,203$1,526
15 years$3,691$3,160$2,694$2,290$1,940$1,302
16 years$3,425$2,899$2,443$2,050$1,715$1,114
17 years$3,190$2,670$2,223$1,842$1,520$956
18 years$2,981$2,467$2,029$1,660$1,352$822
19 years$2,795$2,286$1,858$1,500$1,205$708
20 years$2,627$2,125$1,705$1,359$1,076$611
21 years$2,476$1,979$1,568$1,233$963$528
22 years$2,338$1,847$1,445$1,121$863$457
23 years$2,213$1,728$1,334$1,021$775$396
24 years$2,098$1,619$1,234$931$697$343
25 years$1,993$1,519$1,143$850$627$298
26 years$1,896$1,428$1,060$778$565$259
27 years$1,806$1,344$984$712$509$225
28 years$1,723$1,266$915$652$459$195
29 years$1,646$1,194$852$598$415$170
30 years$1,573$1,128$793$549$375$148
31 years$1,506$1,066$739$504$339$128
32 years$1,443$1,009$690$463$306$112
33 years$1,384$956$644$426$277$97
34 years$1,329$906$602$392$251$85
35 years$1,277$859$563$361$227$74
36 years$1,228$815$526$332$206$64
37 years$1,181$774$493$306$187$56
38 years$1,138$736$461$282$169$49
39 years$1,096$700$432$260$154$42
40 years$1,057$666$405$240$139$37
41 years$1,020$634$380$221$126$32
42 years$984$604$356$204$115$28
43 years$950$575$334$189$104$24
44 years$918$548$314$174$94$21
45 years$888$523$295$161$86$19
46 years$859$499$277$149$78$16
47 years$831$476$260$137$71$14
48 years$804$454$244$127$64$12
49 years$779$434$230$117$58$11
50 years$755$414$216$108$53$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $773,000, adding $6,426 every year, while hoping to spend $48,148 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: 69/23/8 Blend
49$773,000$773,000$773,000$773,000
50$858,474$817,505$805,524$916,048
51$894,810$806,334$781,280$943,856
52$933,237$793,002$754,610$967,790
53$973,920$777,351$725,382$992,672
54$1,017,036$759,217$693,458$1,018,587
55$1,062,778$738,423$658,693$1,045,626
56$1,111,359$714,784$620,937$1,073,895
57$1,163,011$688,102$580,032$1,103,510
58$1,217,988$658,168$535,813$1,134,599
59$1,276,567$624,763$488,107$1,167,306
60$1,339,054$587,653$436,735$1,201,793
61$1,405,780$546,591$381,509$1,238,237
62$1,477,112$501,317$322,232$1,276,838
63$1,553,451$451,554$258,700$1,317,817
64$1,635,234$397,012$190,698$1,361,419
65$1,722,945$337,382$118,002$1,407,918
66$1,817,110$272,339$40,381$1,457,619
67$1,918,311$201,539$0$1,510,860
68$2,027,184$124,620$0$1,571,641
69$2,144,428$41,197$0$1,640,668
70$2,270,811$0$0$1,714,977
71$2,407,176$0$0$1,807,542
72$2,554,449$0$0$1,918,807
73$2,713,649$0$0$2,039,118
74$2,885,895$0$0$2,169,325
75$3,072,416$0$0$2,310,363
76$3,274,566$0$0$2,463,260
77$3,493,832$0$0$2,629,146
78$3,731,848$0$0$2,809,262
79$3,990,413$0$0$3,004,977
80$4,271,507$0$0$3,217,793
81$4,577,305$0$0$3,449,366
82$4,910,203$0$0$3,701,514
83$5,272,836$0$0$3,976,242
84$5,668,104$0$0$4,275,752
85$6,099,199$0$0$4,602,472
86$6,569,633$0$0$4,959,071
87$7,083,273$0$0$5,348,488
88$7,644,377$0$0$5,773,959
89$8,257,629$0$0$6,239,045
90$8,928,188$0$0$6,747,669
91$9,661,736$0$0$7,304,148
92$10,464,526$0$0$7,913,236
93$11,343,445$0$0$8,580,170
94$12,306,078$0$0$9,310,714
95$13,360,775$0$0$10,111,217
96$14,516,736$0$0$10,988,673
97$15,784,088$0$0$11,950,781
98$17,173,991$0$0$13,006,025
99$18,698,730$0$0$14,163,745
100$20,371,843$0$0$15,434,233