Can I retire at age 50 with 776,000?

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 $776,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$64,081$63,511$62,954$62,410$61,879$61,030
2 years$31,723$31,133$30,560$30,005$29,466$28,612
3 years$20,939$20,346$19,774$19,224$18,695$17,862
4 years$15,548$14,956$14,391$13,850$13,333$12,529
5 years$12,314$11,726$11,168$10,638$10,136$9,362
6 years$10,159$9,575$9,025$8,507$8,020$7,278
7 years$8,620$8,041$7,500$6,994$6,522$5,812
8 years$7,466$6,893$6,361$5,867$5,411$4,732
9 years$6,569$6,001$5,478$4,998$4,557$3,909
10 years$5,852$5,290$4,776$4,308$3,883$3,265
11 years$5,266$4,709$4,205$3,749$3,339$2,752
12 years$4,778$4,227$3,732$3,289$2,894$2,336
13 years$4,365$3,820$3,334$2,903$2,523$1,994
14 years$4,012$3,472$2,996$2,577$2,212$1,711
15 years$3,706$3,172$2,705$2,299$1,948$1,474
16 years$3,438$2,910$2,452$2,058$1,721$1,274
17 years$3,202$2,680$2,231$1,849$1,526$1,104
18 years$2,993$2,476$2,037$1,666$1,357$959
19 years$2,806$2,295$1,865$1,506$1,210$835
20 years$2,637$2,133$1,711$1,364$1,080$728
21 years$2,485$1,987$1,574$1,238$967$636
22 years$2,347$1,854$1,451$1,125$867$556
23 years$2,222$1,734$1,340$1,025$778$487
24 years$2,106$1,625$1,239$935$699$427
25 years$2,001$1,525$1,147$854$629$374
26 years$1,903$1,433$1,064$781$567$329
27 years$1,813$1,349$988$714$511$289
28 years$1,730$1,271$919$655$461$254
29 years$1,652$1,199$855$600$416$223
30 years$1,580$1,132$796$551$376$196
31 years$1,512$1,070$742$506$340$173
32 years$1,449$1,013$693$465$308$152
33 years$1,390$959$647$428$278$134
34 years$1,334$909$604$393$252$118
35 years$1,282$862$565$362$228$104
36 years$1,232$818$528$334$207$92
37 years$1,186$777$495$307$187$81
38 years$1,142$739$463$283$170$71
39 years$1,100$702$434$261$154$63
40 years$1,061$668$407$241$140$55
41 years$1,023$636$381$222$127$49
42 years$988$606$358$205$115$43
43 years$954$577$336$189$104$38
44 years$922$550$315$175$95$34
45 years$891$525$296$161$86$30
46 years$862$501$278$149$78$26
47 years$834$478$261$138$71$23
48 years$808$456$245$127$64$20
49 years$782$435$231$118$59$18
50 years$758$416$217$109$53$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $776,000, adding $4,490 every year, while hoping to spend $59,690 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: 77/18/5 Blend
49$776,000$776,000$776,000$776,000
50$859,783$818,655$806,627$925,409
51$883,972$795,260$770,140$945,698
52$908,627$768,717$730,429$959,733
53$933,733$738,811$687,325$973,346
54$959,271$705,310$640,648$986,468
55$985,219$667,972$590,211$999,024
56$1,011,548$626,540$535,821$1,010,934
57$1,038,227$580,741$477,272$1,022,107
58$1,065,217$530,289$414,352$1,032,446
59$1,092,475$474,879$346,838$1,041,845
60$1,119,950$414,190$274,499$1,050,189
61$1,147,582$347,882$197,092$1,057,351
62$1,175,304$275,598$114,364$1,063,194
63$1,203,040$196,957$26,050$1,067,567
64$1,230,703$111,561$0$1,070,308
65$1,258,193$18,986$0$1,074,875
66$1,285,399$0$0$1,079,156
67$1,312,195$0$0$1,097,650
68$1,338,438$0$0$1,119,421
69$1,363,968$0$0$1,140,570
70$1,388,605$0$0$1,160,947
71$1,412,150$0$0$1,180,379
72$1,434,376$0$0$1,198,676
73$1,455,033$0$0$1,215,622
74$1,473,838$0$0$1,230,980
75$1,490,478$0$0$1,244,482
76$1,504,605$0$0$1,255,831
77$1,515,829$0$0$1,264,697
78$1,523,716$0$0$1,270,711
79$1,527,787$0$0$1,273,465
80$1,527,505$0$0$1,272,504
81$1,522,277$0$0$1,267,322
82$1,511,443$0$0$1,257,361
83$1,494,271$0$0$1,241,998
84$1,469,951$0$0$1,220,544
85$1,437,583$0$0$1,192,235
86$1,396,171$0$0$1,156,225
87$1,344,611$0$0$1,111,578
88$1,281,682$0$0$1,057,255
89$1,206,032$0$0$992,108
90$1,116,165$0$0$914,867
91$1,010,425$0$0$824,127
92$886,983$0$0$718,334
93$743,815$0$0$595,770
94$578,684$0$0$454,535
95$389,119$0$0$292,531
96$172,387$0$0$107,439
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0