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%12.9%
1 years$70,357$69,731$69,119$68,522$67,940$67,119
2 years$34,830$34,182$33,553$32,943$32,352$31,526
3 years$22,990$22,338$21,711$21,107$20,526$19,720
4 years$17,070$16,421$15,800$15,207$14,639$13,860
5 years$13,520$12,874$12,262$11,680$11,128$10,378
6 years$11,153$10,513$9,909$9,341$8,805$8,085
7 years$9,464$8,829$8,235$7,679$7,161$6,471
8 years$8,197$7,568$6,984$6,442$5,941$5,280
9 years$7,213$6,589$6,015$5,487$5,003$4,372
10 years$6,425$5,808$5,244$4,730$4,263$3,662
11 years$5,782$5,170$4,617$4,117$3,666$3,094
12 years$5,246$4,641$4,097$3,611$3,177$2,633
13 years$4,793$4,194$3,661$3,188$2,770$2,254
14 years$4,405$3,812$3,289$2,830$2,429$1,938
15 years$4,068$3,482$2,970$2,524$2,138$1,674
16 years$3,775$3,195$2,692$2,260$1,890$1,451
17 years$3,516$2,943$2,450$2,030$1,676$1,261
18 years$3,286$2,719$2,236$1,830$1,490$1,099
19 years$3,080$2,520$2,047$1,653$1,328$959
20 years$2,896$2,342$1,879$1,497$1,186$839
21 years$2,729$2,181$1,728$1,359$1,062$735
22 years$2,577$2,036$1,593$1,236$951$645
23 years$2,439$1,904$1,471$1,125$854$566
24 years$2,313$1,784$1,360$1,026$768$498
25 years$2,197$1,674$1,260$937$691$438
26 years$2,090$1,574$1,168$857$622$386
27 years$1,991$1,481$1,085$784$561$340
28 years$1,899$1,396$1,009$719$506$300
29 years$1,814$1,317$939$659$457$264
30 years$1,734$1,243$874$605$413$233
31 years$1,660$1,175$815$556$373$206
32 years$1,591$1,112$760$511$338$182
33 years$1,526$1,053$710$469$306$161
34 years$1,465$998$663$432$277$142
35 years$1,407$947$620$398$251$126
36 years$1,353$899$580$366$227$111
37 years$1,302$853$543$337$206$98
38 years$1,254$811$509$311$187$87
39 years$1,208$771$476$287$169$77
40 years$1,165$734$447$265$154$68
41 years$1,124$699$419$244$139$60
42 years$1,085$665$393$225$126$53
43 years$1,048$634$369$208$115$47
44 years$1,012$604$346$192$104$42
45 years$979$576$325$177$95$37
46 years$947$550$305$164$86$33
47 years$916$525$287$151$78$29
48 years$887$501$269$140$71$26
49 years$859$478$253$129$64$23
50 years$832$457$238$119$58$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $852,000, adding $2,814 every year, while hoping to spend $46,151 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: 61/20/19 Blend
49$852,000$852,000$852,000$852,000
50$941,807$896,651$883,445$994,469
51$988,767$891,482$863,936$1,025,197
52$1,038,970$884,514$842,226$1,053,341
53$1,092,698$875,608$818,194$1,082,996
54$1,150,261$864,621$791,712$1,114,315
55$1,211,997$851,397$762,644$1,147,466
56$1,278,280$835,775$730,851$1,182,639
57$1,349,517$817,580$696,188$1,220,044
58$1,426,158$796,631$658,500$1,259,914
59$1,508,694$772,734$617,627$1,302,507
60$1,597,666$745,683$573,403$1,348,112
61$1,693,668$715,262$525,652$1,397,048
62$1,797,354$681,241$474,193$1,449,670
63$1,909,439$643,378$418,834$1,506,373
64$2,030,714$601,415$359,377$1,567,593
65$2,162,043$555,081$295,612$1,633,814
66$2,304,380$504,089$227,324$1,705,576
67$2,458,773$448,135$154,285$1,783,473
68$2,626,373$386,898$76,259$1,868,167
69$2,808,447$320,041$0$1,960,391
70$3,006,390$247,204$0$2,062,375
71$3,221,735$168,010$0$2,190,191
72$3,456,168$82,059$0$2,329,410
73$3,711,548$0$0$2,481,192
74$3,989,915$0$0$2,649,254
75$4,293,520$0$0$2,852,308
76$4,624,836$0$0$3,073,958
77$4,986,588$0$0$3,316,034
78$5,381,774$0$0$3,580,551
79$5,813,695$0$0$3,869,726
80$6,285,987$0$0$4,186,001
81$6,802,649$0$0$4,532,066
82$7,368,090$0$0$4,910,881
83$7,987,160$0$0$5,325,706
84$8,665,202$0$0$5,780,131
85$9,408,100$0$0$6,278,111
86$10,222,333$0$0$6,824,000
87$11,115,038$0$0$7,422,593
88$12,094,076$0$0$8,079,173
89$13,168,102$0$0$8,799,558
90$14,346,652$0$0$9,590,155
91$15,640,229$0$0$10,458,024
92$17,060,404$0$0$11,410,941
93$18,619,919$0$0$12,457,470
94$20,332,815$0$0$13,607,048
95$22,214,557$0$0$14,870,068
96$24,282,182$0$0$16,257,983
97$26,554,459$0$0$17,783,406
98$29,052,067$0$0$19,460,236
99$31,797,786$0$0$21,303,785
100$34,816,714$0$0$23,330,923