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%13.1%
1 years$70,357$69,731$69,119$68,522$67,940$67,063
2 years$34,830$34,182$33,553$32,943$32,352$31,470
3 years$22,990$22,338$21,711$21,107$20,526$19,666
4 years$17,070$16,421$15,800$15,207$14,639$13,808
5 years$13,520$12,874$12,262$11,680$11,128$10,328
6 years$11,153$10,513$9,909$9,341$8,805$8,038
7 years$9,464$8,829$8,235$7,679$7,161$6,426
8 years$8,197$7,568$6,984$6,442$5,941$5,238
9 years$7,213$6,589$6,015$5,487$5,003$4,332
10 years$6,425$5,808$5,244$4,730$4,263$3,623
11 years$5,782$5,170$4,617$4,117$3,666$3,057
12 years$5,246$4,641$4,097$3,611$3,177$2,599
13 years$4,793$4,194$3,661$3,188$2,770$2,221
14 years$4,405$3,812$3,289$2,830$2,429$1,908
15 years$4,068$3,482$2,970$2,524$2,138$1,646
16 years$3,775$3,195$2,692$2,260$1,890$1,424
17 years$3,516$2,943$2,450$2,030$1,676$1,236
18 years$3,286$2,719$2,236$1,830$1,490$1,075
19 years$3,080$2,520$2,047$1,653$1,328$938
20 years$2,896$2,342$1,879$1,497$1,186$819
21 years$2,729$2,181$1,728$1,359$1,062$716
22 years$2,577$2,036$1,593$1,236$951$627
23 years$2,439$1,904$1,471$1,125$854$550
24 years$2,313$1,784$1,360$1,026$768$483
25 years$2,197$1,674$1,260$937$691$424
26 years$2,090$1,574$1,168$857$622$373
27 years$1,991$1,481$1,085$784$561$328
28 years$1,899$1,396$1,009$719$506$289
29 years$1,814$1,317$939$659$457$255
30 years$1,734$1,243$874$605$413$224
31 years$1,660$1,175$815$556$373$198
32 years$1,591$1,112$760$511$338$174
33 years$1,526$1,053$710$469$306$154
34 years$1,465$998$663$432$277$136
35 years$1,407$947$620$398$251$120
36 years$1,353$899$580$366$227$106
37 years$1,302$853$543$337$206$93
38 years$1,254$811$509$311$187$82
39 years$1,208$771$476$287$169$73
40 years$1,165$734$447$265$154$64
41 years$1,124$699$419$244$139$57
42 years$1,085$665$393$225$126$50
43 years$1,048$634$369$208$115$44
44 years$1,012$604$346$192$104$39
45 years$979$576$325$177$95$35
46 years$947$550$305$164$86$31
47 years$916$525$287$151$78$27
48 years$887$501$269$140$71$24
49 years$859$478$253$129$64$21
50 years$832$457$238$119$58$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $852,000, adding $6,202 every year, while hoping to spend $38,276 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: 58/27/15 Blend
49$852,000$852,000$852,000$852,000
50$945,301$900,145$886,939$996,150
51$1,000,997$903,527$875,926$1,034,646
52$1,061,090$905,792$863,262$1,071,833
53$1,125,990$906,844$848,850$1,111,481
54$1,196,144$906,583$832,590$1,153,832
55$1,272,047$904,901$814,377$1,199,155
56$1,354,239$901,685$794,102$1,247,747
57$1,443,317$896,813$771,650$1,299,937
58$1,539,935$890,157$746,900$1,356,089
59$1,644,815$881,580$719,727$1,416,606
60$1,758,748$870,940$690,000$1,481,933
61$1,882,606$858,082$657,582$1,552,562
62$2,017,349$842,845$622,328$1,629,039
63$2,164,031$825,057$584,088$1,711,966
64$2,323,814$804,536$542,706$1,802,009
65$2,497,974$781,090$498,018$1,899,905
66$2,687,918$754,514$449,853$2,006,470
67$2,895,194$724,593$398,031$2,122,602
68$3,121,505$691,100$342,366$2,249,298
69$3,368,726$653,791$282,663$2,387,658
70$3,638,922$612,413$218,718$2,538,897
71$3,934,365$566,694$150,318$2,704,359
72$4,257,558$516,350$77,242$2,885,528
73$4,611,257$461,078$0$3,084,044
74$4,998,494$400,560$0$3,301,838
75$5,422,611$334,459$0$3,553,992
76$5,887,289$262,418$0$3,830,381
77$6,396,577$184,062$0$4,133,489
78$6,954,940$98,993$0$4,466,055
79$7,567,292$6,792$0$4,831,102
80$8,239,047$0$0$5,231,964
81$8,976,168$0$0$5,699,946
82$9,785,222$0$0$6,215,887
83$10,673,444$0$0$6,782,393
84$11,648,804$0$0$7,404,555
85$12,720,081$0$0$8,087,984
86$13,896,946$0$0$8,838,860
87$15,190,052$0$0$9,663,992
88$16,611,137$0$0$10,570,879
89$18,173,132$0$0$11,567,785
90$19,890,281$0$0$12,663,814
91$21,778,280$0$0$13,868,995
92$23,854,418$0$0$15,194,380
93$26,137,748$0$0$16,652,142
94$28,649,258$0$0$18,255,695
95$31,412,074$0$0$20,019,820
96$34,451,676$0$0$21,960,800
97$37,796,137$0$0$24,096,577
98$41,476,391$0$0$26,446,920
99$45,526,520$0$0$29,033,612
100$49,984,078$0$0$31,880,653