Can I retire at age 50 with 774,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
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 $774,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$63,916$63,347$62,791$62,249$61,720$61,305
2 years$31,642$31,052$30,481$29,928$29,390$28,972
3 years$20,885$20,293$19,723$19,175$18,646$18,238
4 years$15,508$14,918$14,354$13,814$13,299$12,903
5 years$12,282$11,696$11,139$10,611$10,110$9,727
6 years$10,132$9,550$9,002$8,486$7,999$7,631
7 years$8,597$8,020$7,481$6,976$6,506$6,152
8 years$7,447$6,875$6,344$5,852$5,397$5,058
9 years$6,552$5,986$5,464$4,985$4,545$4,220
10 years$5,837$5,276$4,764$4,297$3,873$3,562
11 years$5,253$4,697$4,194$3,740$3,331$3,033
12 years$4,766$4,216$3,722$3,280$2,886$2,603
13 years$4,354$3,810$3,325$2,896$2,517$2,247
14 years$4,001$3,463$2,988$2,571$2,206$1,949
15 years$3,696$3,164$2,698$2,293$1,943$1,698
16 years$3,429$2,903$2,446$2,053$1,717$1,485
17 years$3,194$2,673$2,226$1,844$1,522$1,302
18 years$2,985$2,470$2,032$1,662$1,354$1,145
19 years$2,798$2,289$1,860$1,502$1,206$1,009
20 years$2,631$2,127$1,707$1,360$1,078$891
21 years$2,479$1,981$1,570$1,235$964$788
22 years$2,341$1,850$1,447$1,122$864$698
23 years$2,216$1,730$1,336$1,022$776$619
24 years$2,101$1,621$1,236$932$697$550
25 years$1,995$1,521$1,144$851$628$489
26 years$1,898$1,430$1,061$779$565$435
27 years$1,808$1,345$986$713$510$387
28 years$1,725$1,268$916$653$460$345
29 years$1,648$1,196$853$599$415$308
30 years$1,576$1,129$794$550$375$274
31 years$1,508$1,068$740$505$339$245
32 years$1,445$1,010$691$464$307$219
33 years$1,386$957$645$427$278$195
34 years$1,331$907$603$392$251$175
35 years$1,278$860$563$361$228$156
36 years$1,229$816$527$333$206$139
37 years$1,183$775$493$307$187$125
38 years$1,139$737$462$283$170$112
39 years$1,098$701$433$261$154$100
40 years$1,058$667$406$240$139$89
41 years$1,021$635$380$222$127$80
42 years$985$604$357$205$115$72
43 years$952$576$335$189$104$64
44 years$920$549$314$174$95$57
45 years$889$523$295$161$86$51
46 years$860$499$277$149$78$46
47 years$832$476$260$137$71$41
48 years$805$455$245$127$64$37
49 years$780$434$230$117$58$33
50 years$756$415$216$108$53$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $774,000, adding $6,771 every year, while hoping to spend $35,656 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$774,000$774,000$774,000$774,000
50$859,932$818,910$806,913$913,934
51$909,708$821,099$796,007$952,978
52$963,365$822,200$783,541$990,810
53$1,021,263$822,123$769,424$1,031,253
54$1,083,795$820,770$753,563$1,074,559
55$1,151,393$818,039$735,858$1,121,007
56$1,224,534$813,822$716,208$1,170,904
57$1,303,740$808,002$694,504$1,224,592
58$1,389,585$800,458$670,634$1,282,445
59$1,482,701$791,059$644,479$1,344,880
60$1,583,784$779,668$615,917$1,412,354
61$1,693,598$766,139$584,817$1,485,374
62$1,812,983$750,318$551,047$1,564,500
63$1,942,864$732,041$514,464$1,650,348
64$2,084,259$711,134$474,921$1,743,601
65$2,238,288$687,414$432,266$1,845,012
66$2,406,184$660,687$386,337$1,955,413
67$2,589,301$630,748$336,966$2,075,722
68$2,789,134$597,379$283,978$2,206,954
69$3,007,325$560,350$227,191$2,350,226
70$3,245,683$519,418$166,413$2,506,776
71$3,506,200$474,326$101,445$2,677,968
72$3,791,067$424,803$32,078$2,865,309
73$4,102,698$370,561$0$3,070,459
74$4,443,752$311,296$0$3,300,626
75$4,817,154$246,689$0$3,557,197
76$5,226,127$176,401$0$3,838,325
77$5,674,221$100,073$0$4,146,509
78$6,165,344$17,329$0$4,484,505
79$6,703,800$0$0$4,855,351
80$7,294,332$0$0$5,279,884
81$7,942,159$0$0$5,750,261
82$8,653,035$0$0$6,266,469
83$9,433,295$0$0$6,833,116
84$10,289,918$0$0$7,455,275
85$11,230,590$0$0$8,138,538
86$12,263,781$0$0$8,889,063
87$13,398,818$0$0$9,713,634
88$14,645,980$0$0$10,619,724
89$16,016,587$0$0$11,615,568
90$17,523,113$0$0$12,710,235
91$19,179,299$0$0$13,913,720
92$21,000,284$0$0$15,237,032
93$23,002,747$0$0$16,692,301
94$25,205,065$0$0$18,292,892
95$27,627,485$0$0$20,053,530
96$30,292,314$0$0$21,990,438
97$33,224,130$0$0$24,121,491
98$36,450,015$0$0$26,466,385
99$39,999,807$0$0$29,046,819
100$43,906,381$0$0$31,886,705