Can I retire at age 50 with 805,000?

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 $805,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$66,476$65,884$65,306$64,742$64,192$61,767
2 years$32,909$32,296$31,702$31,126$30,568$28,153
3 years$21,721$21,106$20,513$19,943$19,393$17,064
4 years$16,129$15,515$14,928$14,368$13,831$11,606
5 years$12,774$12,164$11,585$11,036$10,514$8,399
6 years$10,538$9,933$9,362$8,825$8,320$6,315
7 years$8,942$8,342$7,780$7,256$6,766$4,872
8 years$7,745$7,150$6,598$6,087$5,613$3,827
9 years$6,815$6,226$5,683$5,185$4,727$3,047
10 years$6,071$5,488$4,955$4,469$4,028$2,451
11 years$5,463$4,885$4,362$3,889$3,464$1,987
12 years$4,956$4,385$3,871$3,412$3,002$1,620
13 years$4,528$3,963$3,459$3,012$2,618$1,328
14 years$4,162$3,602$3,108$2,674$2,295$1,092
15 years$3,844$3,290$2,806$2,384$2,020$902
16 years$3,566$3,019$2,544$2,135$1,786$746
17 years$3,322$2,780$2,315$1,918$1,583$619
18 years$3,105$2,569$2,113$1,729$1,408$514
19 years$2,910$2,381$1,934$1,562$1,255$427
20 years$2,736$2,213$1,775$1,415$1,121$356
21 years$2,578$2,061$1,633$1,284$1,003$297
22 years$2,435$1,924$1,505$1,167$899$247
23 years$2,305$1,799$1,390$1,063$807$206
24 years$2,185$1,686$1,285$970$725$172
25 years$2,075$1,582$1,190$886$653$144
26 years$1,974$1,487$1,104$810$588$120
27 years$1,881$1,399$1,025$741$530$101
28 years$1,794$1,319$953$679$478$84
29 years$1,714$1,244$887$623$432$70
30 years$1,639$1,175$826$572$390$59
31 years$1,569$1,110$770$525$353$49
32 years$1,503$1,051$719$482$319$41
33 years$1,442$995$671$444$289$35
34 years$1,384$943$627$408$261$29
35 years$1,330$895$586$376$237$24
36 years$1,279$849$548$346$215$20
37 years$1,230$806$513$319$194$17
38 years$1,185$766$481$294$176$14
39 years$1,141$729$450$271$160$12
40 years$1,101$693$422$250$145$10
41 years$1,062$660$396$231$132$8
42 years$1,025$629$371$213$119$7
43 years$990$599$348$196$108$6
44 years$956$571$327$181$98$5
45 years$925$544$307$168$89$4
46 years$894$519$288$155$81$3
47 years$865$496$271$143$74$3
48 years$838$473$255$132$67$2
49 years$811$452$239$122$61$2
50 years$786$432$225$113$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $805,000, adding $4,654 every year, while hoping to spend $24,830 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: 79/13/8 Blend
49$805,000$805,000$805,000$805,000
50$891,911$849,246$836,768$961,045
51$956,467$864,440$838,381$1,022,250
52$1,026,775$879,546$839,216$1,085,662
53$1,103,397$894,534$839,220$1,154,489
54$1,186,948$909,372$838,339$1,229,257
55$1,278,108$924,022$836,515$1,310,548
56$1,377,625$938,449$833,687$1,399,003
57$1,486,321$952,611$829,794$1,495,328
58$1,605,101$966,464$824,767$1,600,299
59$1,734,962$979,962$818,538$1,714,772
60$1,877,003$993,055$811,034$1,839,691
61$2,032,432$1,005,690$802,179$1,976,094
62$2,202,580$1,017,808$791,891$2,125,125
63$2,388,913$1,029,350$780,089$2,288,046
64$2,593,044$1,040,251$766,684$2,466,244
65$2,816,751$1,050,439$751,585$2,661,252
66$3,061,991$1,059,843$734,694$2,874,754
67$3,330,921$1,068,382$715,913$3,108,610
68$3,625,915$1,075,972$695,136$3,364,865
69$3,949,588$1,082,525$672,253$3,645,776
70$4,304,821$1,087,944$647,149$3,953,829
71$4,694,788$1,092,128$619,704$4,291,763
72$5,122,985$1,094,971$589,792$4,662,595
73$5,593,261$1,096,356$557,282$5,069,652
74$6,109,859$1,096,163$522,036$5,516,599
75$6,677,451$1,094,261$483,911$6,007,474
76$7,301,187$1,090,515$442,757$6,546,729
77$7,986,736$1,084,779$398,418$7,139,268
78$8,740,347$1,076,897$350,729$7,790,497
79$9,568,904$1,066,707$299,520$8,506,370
80$10,479,991$1,054,034$244,612$9,293,454
81$11,481,962$1,038,694$185,819$10,158,981
82$12,584,025$1,020,493$122,947$11,110,924
83$13,796,322$999,223$55,792$12,158,067
84$15,130,028$974,666$0$13,310,093
85$16,597,456$946,590$0$14,579,026
86$18,212,172$914,749$0$15,980,441
87$19,989,126$878,884$0$17,522,548
88$21,944,788$838,720$0$19,219,648
89$24,097,305$793,966$0$21,087,501
90$26,466,674$744,315$0$23,143,475
91$29,074,930$689,441$0$25,406,707
92$31,946,351$629,002$0$27,898,286
93$35,107,688$562,632$0$30,641,453
94$38,588,421$489,949$0$33,661,819
95$42,421,030$410,547$0$36,987,605
96$46,641,308$323,997$0$40,649,915
97$51,288,694$229,846$0$44,683,020
98$56,406,648$127,615$0$49,124,691
99$62,043,058$16,800$0$54,016,550
100$68,250,694$0$0$59,404,465