Can I retire at age 50 with 780,000?

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 $780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$64,412$63,838$63,278$62,732$62,198$61,244
2 years$31,887$31,293$30,718$30,160$29,618$28,659
3 years$21,047$20,450$19,876$19,323$18,791$17,856
4 years$15,628$15,033$14,465$13,921$13,402$12,500
5 years$12,377$11,786$11,225$10,693$10,188$9,320
6 years$10,211$9,624$9,072$8,551$8,061$7,230
7 years$8,664$8,082$7,539$7,031$6,556$5,760
8 years$7,505$6,928$6,393$5,898$5,439$4,679
9 years$6,603$6,032$5,507$5,024$4,580$3,856
10 years$5,882$5,317$4,801$4,330$3,903$3,214
11 years$5,293$4,734$4,227$3,769$3,356$2,702
12 years$4,803$4,249$3,751$3,306$2,909$2,287
13 years$4,388$3,839$3,351$2,918$2,536$1,948
14 years$4,032$3,490$3,011$2,591$2,223$1,667
15 years$3,725$3,188$2,719$2,310$1,958$1,431
16 years$3,456$2,925$2,465$2,069$1,730$1,234
17 years$3,219$2,694$2,243$1,859$1,534$1,066
18 years$3,008$2,489$2,047$1,675$1,364$924
19 years$2,820$2,307$1,874$1,514$1,216$802
20 years$2,651$2,144$1,720$1,371$1,086$697
21 years$2,498$1,997$1,582$1,244$972$607
22 years$2,359$1,864$1,458$1,131$871$529
23 years$2,233$1,743$1,346$1,030$782$462
24 years$2,117$1,633$1,245$940$703$404
25 years$2,011$1,533$1,153$858$632$353
26 years$1,913$1,441$1,070$785$570$309
27 years$1,822$1,356$993$718$514$270
28 years$1,738$1,278$923$658$463$237
29 years$1,660$1,205$859$603$418$208
30 years$1,588$1,138$800$554$378$182
31 years$1,520$1,076$746$509$342$160
32 years$1,456$1,018$696$467$309$140
33 years$1,397$964$650$430$280$123
34 years$1,341$914$607$395$253$108
35 years$1,288$867$568$364$229$95
36 years$1,239$823$531$335$208$83
37 years$1,192$781$497$309$188$73
38 years$1,148$743$466$285$171$64
39 years$1,106$706$436$263$155$56
40 years$1,066$672$409$242$141$50
41 years$1,029$639$383$223$127$44
42 years$993$609$360$206$116$38
43 years$959$580$337$190$105$34
44 years$927$553$317$176$95$30
45 years$896$527$297$162$87$26
46 years$867$503$279$150$79$23
47 years$839$480$262$139$71$20
48 years$812$458$247$128$65$18
49 years$786$438$232$118$59$16
50 years$762$418$218$109$53$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $780,000, adding $3,720 every year, while hoping to spend $41,569 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: 51/28/21 Blend
49$780,000$780,000$780,000$780,000
50$863,397$822,057$809,967$902,213
51$907,235$818,109$792,872$925,479
52$954,150$812,574$773,811$946,185
53$1,004,414$805,331$752,674$967,824
54$1,058,323$796,250$729,347$990,499
55$1,116,201$785,195$703,709$1,014,328
56$1,178,405$772,022$675,635$1,039,441
57$1,245,327$756,576$644,994$1,065,984
58$1,317,398$738,695$611,648$1,094,122
59$1,395,088$718,207$575,454$1,124,038
60$1,478,917$694,929$536,262$1,155,939
61$1,569,455$668,669$493,916$1,190,053
62$1,667,328$639,223$448,250$1,226,638
63$1,773,225$606,374$399,096$1,265,980
64$1,887,901$569,894$346,273$1,308,398
65$2,012,190$529,541$289,596$1,354,249
66$2,147,005$485,060$228,869$1,403,930
67$2,293,353$436,182$163,890$1,457,882
68$2,452,340$382,619$94,445$1,516,598
69$2,625,183$324,072$20,313$1,580,626
70$2,813,221$260,222$0$1,650,573
71$3,017,928$190,731$0$1,740,293
72$3,240,924$115,244$0$1,843,076
73$3,483,994$33,386$0$1,955,257
74$3,749,100$0$0$2,077,823
75$4,038,404$0$0$2,228,886
76$4,354,284$0$0$2,405,132
77$4,699,359$0$0$2,597,746
78$5,076,511$0$0$2,808,347
79$5,488,913$0$0$3,038,715
80$5,940,061$0$0$3,290,815
81$6,433,801$0$0$3,566,807
82$6,974,370$0$0$3,869,070
83$7,566,433$0$0$4,200,225
84$8,215,127$0$0$4,563,159
85$8,926,112$0$0$4,961,048
86$9,705,617$0$0$5,397,394
87$10,560,507$0$0$5,876,053
88$11,498,341$0$0$6,401,270
89$12,527,445$0$0$6,977,725
90$13,656,989$0$0$7,610,569
91$14,897,078$0$0$8,305,478
92$16,258,838$0$0$9,068,704
93$17,754,529$0$0$9,907,136
94$19,397,655$0$0$10,828,361
95$21,203,093$0$0$11,840,738
96$23,187,232$0$0$12,953,475
97$25,368,129$0$0$14,176,719
98$27,765,674$0$0$15,521,646
99$30,401,784$0$0$17,000,572
100$33,300,604$0$0$18,627,062