Can I retire at age 50 with 811,000?

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 $811,000?

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$66,972$66,375$65,793$65,225$64,670$62,751
2 years$33,154$32,537$31,938$31,358$30,795$28,878
3 years$21,883$21,263$20,666$20,091$19,538$17,682
4 years$16,249$15,631$15,040$14,475$13,935$12,154
5 years$12,869$12,255$11,671$11,118$10,593$8,893
6 years$10,617$10,007$9,432$8,891$8,382$6,764
7 years$9,008$8,404$7,838$7,310$6,817$5,281
8 years$7,803$7,204$6,647$6,132$5,655$4,201
9 years$6,866$6,272$5,725$5,223$4,762$3,388
10 years$6,116$5,528$4,992$4,502$4,058$2,761
11 years$5,504$4,922$4,395$3,918$3,490$2,269
12 years$4,993$4,417$3,900$3,437$3,024$1,876
13 years$4,562$3,992$3,484$3,034$2,637$1,560
14 years$4,193$3,629$3,131$2,694$2,312$1,302
15 years$3,873$3,315$2,827$2,402$2,035$1,091
16 years$3,593$3,041$2,563$2,151$1,799$916
17 years$3,347$2,801$2,332$1,933$1,595$772
18 years$3,128$2,588$2,129$1,742$1,418$651
19 years$2,932$2,399$1,949$1,574$1,264$550
20 years$2,756$2,229$1,789$1,425$1,129$466
21 years$2,597$2,076$1,645$1,294$1,010$394
22 years$2,453$1,938$1,516$1,176$906$334
23 years$2,322$1,813$1,400$1,071$813$284
24 years$2,201$1,698$1,295$977$731$241
25 years$2,091$1,594$1,199$892$658$205
26 years$1,989$1,498$1,112$816$592$174
27 years$1,895$1,410$1,033$747$534$148
28 years$1,808$1,328$960$684$482$126
29 years$1,726$1,253$893$627$435$107
30 years$1,651$1,183$832$576$393$91
31 years$1,580$1,119$776$529$355$78
32 years$1,514$1,059$724$486$322$66
33 years$1,452$1,003$676$447$291$56
34 years$1,394$950$632$411$263$48
35 years$1,340$901$590$379$239$41
36 years$1,288$855$552$349$216$35
37 years$1,239$812$517$321$196$30
38 years$1,193$772$484$296$178$25
39 years$1,150$734$454$273$161$22
40 years$1,109$698$425$252$146$18
41 years$1,070$665$399$232$133$16
42 years$1,033$633$374$214$120$13
43 years$997$603$351$198$109$11
44 years$964$575$329$183$99$10
45 years$932$548$309$169$90$8
46 years$901$523$290$156$82$7
47 years$872$499$273$144$74$6
48 years$844$477$256$133$67$5
49 years$817$455$241$123$61$4
50 years$792$435$227$114$56$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $811,000, adding $4,910 every year, while hoping to spend $32,534 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: 70/10/20 Blend
49$811,000$811,000$811,000$811,000
50$898,787$855,804$843,233$956,974
51$955,847$863,122$836,866$1,003,735
52$1,017,637$869,709$829,194$1,050,596
53$1,084,605$875,493$820,141$1,101,084
54$1,157,243$880,401$809,625$1,155,554
55$1,236,094$884,353$797,559$1,214,400
56$1,321,753$887,264$783,855$1,278,052
57$1,414,877$889,044$768,418$1,346,989
58$1,516,185$889,598$751,151$1,421,737
59$1,626,472$888,825$731,951$1,502,875
60$1,746,611$886,616$710,710$1,591,043
61$1,877,562$882,857$687,316$1,686,949
62$2,020,384$877,427$661,651$1,791,371
63$2,176,239$870,198$633,593$1,905,167
64$2,346,410$861,032$603,013$2,029,286
65$2,532,307$849,785$569,776$2,164,772
66$2,735,481$836,304$533,743$2,312,778
67$2,957,643$820,426$494,767$2,474,576
68$3,200,675$801,979$452,693$2,651,568
69$3,466,649$780,780$407,363$2,845,300
70$3,757,846$756,638$358,609$3,057,477
71$4,076,779$729,346$306,256$3,289,982
72$4,426,217$698,690$250,121$3,544,887
73$4,809,205$664,440$190,015$3,824,481
74$5,229,101$626,355$125,737$4,131,287
75$5,689,602$584,178$57,081$4,468,086
76$6,194,778$537,640$0$4,837,946
77$6,749,114$486,453$0$5,247,705
78$7,357,550$430,316$0$5,710,862
79$8,025,528$368,909$0$6,219,386
80$8,759,040$301,894$0$6,777,867
81$9,564,691$228,916$0$7,391,359
82$10,449,754$149,596$0$8,065,433
83$11,422,240$63,538$0$8,806,229
84$12,490,979$0$0$9,620,512
85$13,665,695$0$0$10,519,002
86$14,957,101$0$0$11,514,478
87$16,377,003$0$0$12,609,052
88$17,938,404$0$0$13,812,756
89$19,655,634$0$0$15,136,641
90$21,544,477$0$0$16,592,885
91$23,622,327$0$0$18,194,903
92$25,908,347$0$0$19,957,477
93$28,423,653$0$0$21,896,895
94$31,191,509$0$0$24,031,102
95$34,237,548$0$0$26,379,871
96$37,590,016$0$0$28,964,988
97$41,280,032$0$0$31,810,460
98$45,341,889$0$0$34,942,739
99$49,813,371$0$0$38,390,969
100$54,736,112$0$0$42,187,267