Can I retire at age 50 with 809,000?

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 $809,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$66,806$66,211$65,631$65,064$64,511$62,596
2 years$33,073$32,457$31,860$31,281$30,719$28,806
3 years$21,829$21,211$20,615$20,042$19,490$17,638
4 years$16,209$15,592$15,003$14,439$13,900$12,124
5 years$12,837$12,224$11,643$11,091$10,567$8,871
6 years$10,591$9,982$9,409$8,869$8,361$6,748
7 years$8,986$8,383$7,819$7,292$6,800$5,268
8 years$7,784$7,186$6,631$6,117$5,641$4,191
9 years$6,849$6,257$5,711$5,210$4,751$3,380
10 years$6,101$5,515$4,979$4,491$4,048$2,754
11 years$5,490$4,910$4,384$3,909$3,481$2,263
12 years$4,981$4,407$3,890$3,429$3,017$1,872
13 years$4,551$3,982$3,476$3,027$2,631$1,556
14 years$4,182$3,620$3,123$2,687$2,306$1,299
15 years$3,863$3,307$2,820$2,396$2,030$1,088
16 years$3,584$3,034$2,556$2,146$1,794$914
17 years$3,338$2,794$2,326$1,928$1,591$770
18 years$3,120$2,582$2,124$1,737$1,415$649
19 years$2,925$2,393$1,944$1,570$1,261$549
20 years$2,750$2,223$1,784$1,422$1,126$464
21 years$2,591$2,071$1,641$1,290$1,008$393
22 years$2,447$1,933$1,512$1,173$903$334
23 years$2,316$1,808$1,397$1,068$811$283
24 years$2,196$1,694$1,292$975$729$240
25 years$2,086$1,590$1,196$890$656$204
26 years$1,984$1,494$1,109$814$591$174
27 years$1,890$1,406$1,030$745$533$148
28 years$1,803$1,325$958$682$481$126
29 years$1,722$1,250$891$626$434$107
30 years$1,647$1,181$830$574$392$91
31 years$1,576$1,116$774$527$355$78
32 years$1,511$1,056$722$485$321$66
33 years$1,449$1,000$674$446$290$56
34 years$1,391$948$630$410$263$48
35 years$1,336$899$589$378$238$41
36 years$1,285$853$551$348$216$35
37 years$1,236$810$516$320$195$30
38 years$1,191$770$483$295$177$25
39 years$1,147$732$452$272$161$22
40 years$1,106$697$424$251$146$18
41 years$1,067$663$398$232$132$16
42 years$1,030$632$373$214$120$13
43 years$995$602$350$197$109$11
44 years$961$574$329$182$99$10
45 years$929$547$308$168$90$8
46 years$899$522$290$155$81$7
47 years$870$498$272$144$74$6
48 years$842$475$256$133$67$5
49 years$815$454$240$123$61$4
50 years$790$434$226$113$55$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $809,000, adding $2,886 every year, while hoping to spend $42,281 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: 45/32/23 Blend
49$809,000$809,000$809,000$809,000
50$894,495$851,618$839,078$928,698
51$940,747$848,361$822,201$949,852
52$990,299$843,526$803,341$968,418
53$1,043,444$836,994$782,387$987,700
54$1,100,502$828,633$759,224$1,007,787
55$1,161,825$818,308$733,730$1,028,778
56$1,227,799$805,872$705,777$1,050,787
57$1,298,846$791,172$675,233$1,073,939
58$1,375,434$774,045$641,959$1,098,379
59$1,458,074$754,319$605,809$1,124,267
60$1,547,326$731,809$566,633$1,151,784
61$1,643,809$706,323$524,270$1,181,135
62$1,748,200$677,656$478,557$1,212,547
63$1,861,246$645,591$429,318$1,246,277
64$1,983,767$609,899$376,374$1,282,612
65$2,116,665$570,337$319,536$1,321,872
66$2,260,930$526,649$258,606$1,364,416
67$2,417,654$478,564$193,378$1,410,645
68$2,588,036$425,795$123,638$1,461,008
69$2,773,396$368,039$49,160$1,516,004
70$2,975,187$304,977$0$1,576,189
71$3,195,006$236,271$0$1,649,626
72$3,434,611$161,563$0$1,742,925
73$3,695,938$80,476$0$1,844,840
74$3,981,116$0$0$1,956,293
75$4,292,491$0$0$2,080,909
76$4,632,643$0$0$2,248,086
77$5,004,414$0$0$2,430,896
78$5,410,931$0$0$2,630,888
79$5,855,639$0$0$2,849,769
80$6,342,331$0$0$3,089,416
81$6,875,181$0$0$3,351,901
82$7,458,789$0$0$3,639,501
83$8,098,219$0$0$3,954,726
84$8,799,048$0$0$4,300,340
85$9,567,418$0$0$4,679,387
86$10,410,094$0$0$5,095,219
87$11,334,527$0$0$5,551,530
88$12,348,924$0$0$6,052,388
89$13,462,325$0$0$6,602,273
90$14,684,688$0$0$7,206,122
91$16,026,982$0$0$7,869,371
92$17,501,291$0$0$8,598,011
93$19,120,925$0$0$9,398,640
94$20,900,549$0$0$10,278,527
95$22,856,317$0$0$11,245,682
96$25,006,026$0$0$12,308,926
97$27,369,285$0$0$13,477,982
98$29,967,694$0$0$14,763,558
99$32,825,053$0$0$16,177,454
100$35,967,583$0$0$17,732,669