Can I retire at age 50 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$68,128$67,521$66,929$66,351$65,787$63,402
2 years$33,727$33,098$32,490$31,899$31,327$28,951
3 years$22,261$21,630$21,023$20,438$19,875$17,582
4 years$16,529$15,900$15,299$14,725$14,175$11,982
5 years$13,091$12,466$11,873$11,310$10,776$8,689
6 years$10,800$10,180$9,595$9,045$8,526$6,548
7 years$9,164$8,549$7,974$7,436$6,934$5,063
8 years$7,938$7,328$6,762$6,238$5,753$3,987
9 years$6,984$6,380$5,824$5,313$4,845$3,182
10 years$6,222$5,624$5,078$4,580$4,128$2,566
11 years$5,599$5,007$4,470$3,986$3,550$2,085
12 years$5,080$4,494$3,967$3,496$3,076$1,705
13 years$4,641$4,061$3,545$3,087$2,683$1,401
14 years$4,265$3,691$3,185$2,740$2,352$1,156
15 years$3,940$3,372$2,875$2,444$2,071$957
16 years$3,655$3,094$2,607$2,188$1,830$794
17 years$3,404$2,849$2,372$1,966$1,623$660
18 years$3,182$2,633$2,166$1,772$1,443$550
19 years$2,983$2,440$1,982$1,601$1,286$459
20 years$2,804$2,267$1,819$1,450$1,149$383
21 years$2,642$2,112$1,674$1,316$1,028$320
22 years$2,496$1,972$1,542$1,196$921$268
23 years$2,362$1,844$1,424$1,090$827$225
24 years$2,239$1,728$1,317$994$743$188
25 years$2,127$1,621$1,220$908$669$158
26 years$2,023$1,524$1,131$830$603$132
27 years$1,928$1,434$1,051$760$543$111
28 years$1,839$1,351$977$696$490$93
29 years$1,756$1,275$909$638$443$78
30 years$1,679$1,204$847$586$400$66
31 years$1,608$1,138$789$538$362$55
32 years$1,540$1,077$736$494$327$46
33 years$1,477$1,020$688$455$296$39
34 years$1,418$967$642$418$268$33
35 years$1,363$917$601$385$243$27
36 years$1,310$870$562$355$220$23
37 years$1,261$826$526$327$199$19
38 years$1,214$785$492$301$181$16
39 years$1,170$747$461$278$164$14
40 years$1,128$711$432$256$149$11
41 years$1,088$676$406$236$135$10
42 years$1,050$644$380$218$122$8
43 years$1,014$614$357$201$111$7
44 years$980$585$335$186$101$6
45 years$948$558$315$172$92$5
46 years$917$532$295$159$83$4
47 years$887$508$278$147$75$3
48 years$859$485$261$135$69$3
49 years$831$463$245$125$62$2
50 years$805$442$231$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $825,000, adding $3,806 every year, while hoping to spend $56,287 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: 40/37/23 Blend
49$825,000$825,000$825,000$825,000
50$913,076$869,351$856,563$943,253
51$946,321$852,060$825,369$948,033
52$981,070$832,036$791,244$947,593
53$1,017,418$809,084$754,029$945,990
54$1,055,466$783,001$713,560$943,152
55$1,095,324$753,569$669,666$939,002
56$1,137,113$720,559$622,165$933,461
57$1,180,960$683,728$570,870$926,448
58$1,227,008$642,821$515,584$917,879
59$1,275,409$597,566$456,102$907,666
60$1,326,330$547,675$392,210$895,721
61$1,379,950$492,845$323,683$881,953
62$1,436,466$432,757$250,289$866,268
63$1,496,095$367,070$171,782$848,573
64$1,559,068$295,428$87,908$828,770
65$1,625,641$217,452$0$806,762
66$1,696,092$132,743$0$782,845
67$1,770,725$40,879$0$779,574
68$1,849,872$0$0$775,327
69$1,933,896$0$0$793,934
70$2,023,194$0$0$831,453
71$2,118,199$0$0$871,429
72$2,219,387$0$0$914,072
73$2,327,278$0$0$959,606
74$2,442,441$0$0$1,008,283
75$2,565,501$0$0$1,060,375
76$2,697,142$0$0$1,116,182
77$2,838,115$0$0$1,176,032
78$2,989,241$0$0$1,240,285
79$3,151,423$0$0$1,309,338
80$3,325,652$0$0$1,383,625
81$3,513,016$0$0$1,463,621
82$3,714,707$0$0$1,549,852
83$3,932,037$0$0$1,642,892
84$4,166,445$0$0$1,743,373
85$4,419,512$0$0$1,851,989
86$4,692,978$0$0$1,969,504
87$4,988,751$0$0$2,096,758
88$5,308,931$0$0$2,234,671
89$5,655,826$0$0$2,384,259
90$6,031,975$0$0$2,546,637
91$6,440,167$0$0$2,723,032
92$6,883,472$0$0$2,914,794
93$7,365,266$0$0$3,123,406
94$7,889,263$0$0$3,350,503
95$8,459,549$0$0$3,597,882
96$9,080,619$0$0$3,867,521
97$9,757,422$0$0$4,161,596
98$10,495,403$0$0$4,482,504
99$11,300,553$0$0$4,832,883
100$12,179,469$0$0$5,215,634