Can I retire at age 50 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$70,357$69,731$69,119$68,522$67,940$65,686
2 years$34,830$34,182$33,553$32,943$32,352$30,104
3 years$22,990$22,338$21,711$21,107$20,526$18,353
4 years$17,070$16,421$15,800$15,207$14,639$12,558
5 years$13,520$12,874$12,262$11,680$11,128$9,145
6 years$11,153$10,513$9,909$9,341$8,805$6,922
7 years$9,464$8,829$8,235$7,679$7,161$5,377
8 years$8,197$7,568$6,984$6,442$5,941$4,254
9 years$7,213$6,589$6,015$5,487$5,003$3,412
10 years$6,425$5,808$5,244$4,730$4,263$2,765
11 years$5,782$5,170$4,617$4,117$3,666$2,259
12 years$5,246$4,641$4,097$3,611$3,177$1,857
13 years$4,793$4,194$3,661$3,188$2,770$1,534
14 years$4,405$3,812$3,289$2,830$2,429$1,273
15 years$4,068$3,482$2,970$2,524$2,138$1,060
16 years$3,775$3,195$2,692$2,260$1,890$884
17 years$3,516$2,943$2,450$2,030$1,676$740
18 years$3,286$2,719$2,236$1,830$1,490$620
19 years$3,080$2,520$2,047$1,653$1,328$520
20 years$2,896$2,342$1,879$1,497$1,186$437
21 years$2,729$2,181$1,728$1,359$1,062$368
22 years$2,577$2,036$1,593$1,236$951$310
23 years$2,439$1,904$1,471$1,125$854$261
24 years$2,313$1,784$1,360$1,026$768$220
25 years$2,197$1,674$1,260$937$691$186
26 years$2,090$1,574$1,168$857$622$157
27 years$1,991$1,481$1,085$784$561$132
28 years$1,899$1,396$1,009$719$506$112
29 years$1,814$1,317$939$659$457$94
30 years$1,734$1,243$874$605$413$80
31 years$1,660$1,175$815$556$373$67
32 years$1,591$1,112$760$511$338$57
33 years$1,526$1,053$710$469$306$48
34 years$1,465$998$663$432$277$41
35 years$1,407$947$620$398$251$34
36 years$1,353$899$580$366$227$29
37 years$1,302$853$543$337$206$25
38 years$1,254$811$509$311$187$21
39 years$1,208$771$476$287$169$18
40 years$1,165$734$447$265$154$15
41 years$1,124$699$419$244$139$13
42 years$1,085$665$393$225$126$11
43 years$1,048$634$369$208$115$9
44 years$1,012$604$346$192$104$8
45 years$979$576$325$177$95$6
46 years$947$550$305$164$86$5
47 years$916$525$287$151$78$5
48 years$887$501$269$140$71$4
49 years$859$478$253$129$64$3
50 years$832$457$238$119$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $852,000, adding $6,385 every year, while hoping to spend $48,128 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: 66/9/25 Blend
49$852,000$852,000$852,000$852,000
50$945,490$900,334$887,128$1,001,359
51$990,722$893,243$865,639$1,032,665
52$1,038,955$884,191$841,817$1,060,865
53$1,090,444$873,031$815,533$1,090,602
54$1,145,468$859,609$786,653$1,122,031
55$1,204,335$843,758$755,034$1,155,322
56$1,267,379$825,305$720,530$1,190,664
57$1,334,971$804,064$682,987$1,228,270
58$1,407,514$779,839$642,243$1,268,374
59$1,485,452$752,423$598,130$1,311,234
60$1,569,273$721,596$550,472$1,357,140
61$1,659,511$687,127$499,085$1,406,412
62$1,756,754$648,769$443,777$1,459,403
63$1,861,646$606,262$384,347$1,516,507
64$1,974,897$559,332$320,586$1,578,159
65$2,097,286$507,689$252,275$1,644,843
66$2,229,669$451,025$179,186$1,717,093
67$2,372,986$389,016$101,079$1,795,501
68$2,528,271$321,319$17,707$1,880,723
69$2,696,663$247,572$0$1,973,485
70$2,879,412$167,392$0$2,093,602
71$3,077,894$80,376$0$2,229,228
72$3,293,622$0$0$2,376,695
73$3,528,259$0$0$2,538,548
74$3,783,639$0$0$2,723,420
75$4,061,775$0$0$2,924,817
76$4,364,886$0$0$3,144,349
77$4,695,411$0$0$3,383,792
78$5,056,038$0$0$3,645,098
79$5,449,721$0$0$3,930,415
80$5,879,716$0$0$4,242,111
81$6,349,606$0$0$4,582,790
82$6,863,335$0$0$4,955,320
83$7,425,244$0$0$5,362,858
84$8,040,117$0$0$5,808,881
85$8,713,219$0$0$6,297,217
86$9,450,346$0$0$6,832,081
87$10,257,884$0$0$7,418,118
88$11,142,865$0$0$8,060,439
89$12,113,031$0$0$8,764,675
90$13,176,914$0$0$9,537,028
91$14,343,905$0$0$10,384,330
92$15,624,352$0$0$11,314,104
93$17,029,652$0$0$12,334,638
94$18,572,358$0$0$13,455,061
95$20,266,300$0$0$14,685,429
96$22,126,709$0$0$16,036,821
97$24,170,368$0$0$17,521,439
98$26,415,762$0$0$19,152,727
99$28,883,257$0$0$20,945,496
100$31,595,288$0$0$22,916,061