Can I retire at age 50 with 827,000?

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 $827,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$68,293$67,685$67,091$66,512$65,946$64,066
2 years$33,808$33,179$32,568$31,977$31,403$29,524
3 years$22,315$21,683$21,074$20,488$19,923$18,103
4 years$16,569$15,939$15,336$14,760$14,209$12,463
5 years$13,123$12,496$11,902$11,337$10,802$9,134
6 years$10,826$10,204$9,618$9,067$8,547$6,959
7 years$9,186$8,570$7,993$7,454$6,951$5,442
8 years$7,957$7,346$6,779$6,253$5,767$4,337
9 years$7,001$6,396$5,838$5,326$4,856$3,504
10 years$6,237$5,638$5,090$4,591$4,138$2,861
11 years$5,612$5,019$4,481$3,996$3,559$2,355
12 years$5,092$4,505$3,977$3,505$3,084$1,952
13 years$4,652$4,071$3,553$3,094$2,689$1,626
14 years$4,275$3,700$3,193$2,747$2,357$1,360
15 years$3,949$3,380$2,882$2,450$2,076$1,142
16 years$3,664$3,101$2,613$2,193$1,834$961
17 years$3,413$2,856$2,378$1,971$1,627$811
18 years$3,189$2,639$2,171$1,776$1,446$686
19 years$2,990$2,446$1,987$1,605$1,289$581
20 years$2,811$2,273$1,824$1,453$1,151$493
21 years$2,649$2,117$1,678$1,319$1,030$418
22 years$2,502$1,976$1,546$1,199$924$356
23 years$2,368$1,848$1,428$1,092$829$302
24 years$2,245$1,732$1,320$996$745$257
25 years$2,132$1,625$1,223$910$671$219
26 years$2,028$1,527$1,134$832$604$187
27 years$1,932$1,438$1,053$761$545$159
28 years$1,843$1,355$979$698$491$136
29 years$1,760$1,278$911$640$444$116
30 years$1,683$1,207$849$587$401$99
31 years$1,611$1,141$791$539$362$84
32 years$1,544$1,079$738$496$328$72
33 years$1,481$1,022$689$456$297$62
34 years$1,422$969$644$419$269$53
35 years$1,366$919$602$386$243$45
36 years$1,313$872$563$355$220$38
37 years$1,264$828$527$328$200$33
38 years$1,217$787$494$302$181$28
39 years$1,173$749$463$278$164$24
40 years$1,131$712$434$257$149$20
41 years$1,091$678$406$237$135$17
42 years$1,053$646$381$219$123$15
43 years$1,017$615$358$202$111$13
44 years$983$586$336$186$101$11
45 years$950$559$315$172$92$9
46 years$919$533$296$159$83$8
47 years$889$509$278$147$76$7
48 years$861$486$261$136$69$6
49 years$833$464$246$125$62$5
50 years$807$443$231$116$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $827,000, adding $6,644 every year, while hoping to spend $29,776 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: 27/46/27 Blend
49$827,000$827,000$827,000$827,000
50$918,207$874,376$861,558$935,133
51$980,183$885,539$858,739$960,452
52$1,047,482$896,251$854,827$984,612
53$1,120,617$906,459$849,755$1,009,944
54$1,200,149$916,105$843,451$1,036,566
55$1,286,698$925,128$835,841$1,064,613
56$1,380,946$933,464$826,846$1,094,235
57$1,483,641$941,042$816,384$1,125,597
58$1,595,609$947,790$804,370$1,158,887
59$1,717,759$953,629$790,713$1,194,311
60$1,851,088$958,475$775,320$1,232,100
61$1,996,698$962,238$758,092$1,272,512
62$2,155,799$964,826$738,926$1,315,832
63$2,329,724$966,137$717,714$1,362,378
64$2,519,942$966,063$694,343$1,412,504
65$2,728,069$964,493$668,696$1,466,604
66$2,955,884$961,305$640,650$1,525,115
67$3,205,347$956,372$610,075$1,588,522
68$3,478,616$949,558$576,836$1,657,364
69$3,778,068$940,720$540,793$1,732,240
70$4,106,320$929,704$501,798$1,813,815
71$4,466,255$916,349$459,699$1,902,824
72$4,861,047$900,485$414,333$2,000,086
73$5,294,194$881,929$365,533$2,106,506
74$5,769,547$860,489$313,124$2,223,090
75$6,291,350$835,962$256,923$2,350,950
76$6,864,276$808,133$196,738$2,491,319
77$7,493,474$776,773$132,370$2,645,565
78$8,184,615$741,641$63,611$2,815,199
79$8,943,946$702,482$0$3,001,898
80$9,778,351$659,026$0$3,210,330
81$10,695,412$610,987$0$3,459,472
82$11,703,483$558,064$0$3,733,320
83$12,811,767$499,938$0$4,034,456
84$14,030,403$436,272$0$4,365,736
85$15,370,564$366,708$0$4,730,309
86$16,844,556$290,871$0$5,131,656
87$18,465,940$208,364$0$5,573,620
88$20,249,658$118,765$0$6,060,442
89$22,212,171$21,633$0$6,596,807
90$24,371,617$0$0$7,187,883
91$26,747,981$0$0$7,881,647
92$29,363,285$0$0$8,657,380
93$32,241,790$0$0$9,511,350
94$35,410,231$0$0$10,451,509
95$38,898,066$0$0$11,486,620
96$42,737,754$0$0$12,626,336
97$46,965,061$0$0$13,881,299
98$51,619,397$0$0$15,263,230
99$56,744,188$0$0$16,785,049
100$62,387,286$0$0$18,460,990