Can I retire at age 50 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$76,551$75,869$75,204$74,554$73,920$71,326
2 years$37,896$37,191$36,507$35,843$35,200$32,614
3 years$25,013$24,304$23,622$22,965$22,332$19,835
4 years$18,573$17,866$17,191$16,545$15,928$13,538
5 years$14,710$14,007$13,341$12,708$12,108$9,833
6 years$12,135$11,438$10,781$10,163$9,581$7,422
7 years$10,297$9,606$8,959$8,355$7,792$5,749
8 years$8,919$8,234$7,598$7,009$6,464$4,535
9 years$7,848$7,169$6,544$5,970$5,444$3,626
10 years$6,991$6,319$5,706$5,146$4,638$2,930
11 years$6,291$5,626$5,023$4,479$3,989$2,386
12 years$5,708$5,049$4,458$3,929$3,457$1,955
13 years$5,215$4,563$3,983$3,468$3,014$1,610
14 years$4,792$4,148$3,579$3,079$2,642$1,331
15 years$4,427$3,789$3,231$2,746$2,327$1,104
16 years$4,107$3,476$2,929$2,459$2,056$918
17 years$3,825$3,202$2,666$2,209$1,823$765
18 years$3,575$2,958$2,433$1,991$1,621$639
19 years$3,352$2,742$2,228$1,799$1,445$534
20 years$3,151$2,548$2,044$1,629$1,291$447
21 years$2,969$2,373$1,880$1,479$1,155$375
22 years$2,804$2,215$1,733$1,344$1,035$314
23 years$2,654$2,072$1,600$1,224$929$264
24 years$2,516$1,941$1,480$1,117$835$222
25 years$2,390$1,822$1,371$1,020$752$186
26 years$2,273$1,712$1,271$932$677$156
27 years$2,166$1,611$1,180$854$610$132
28 years$2,066$1,518$1,097$782$551$111
29 years$1,973$1,432$1,021$717$497$93
30 years$1,887$1,353$951$658$449$78
31 years$1,806$1,279$887$604$406$66
32 years$1,731$1,210$827$555$368$56
33 years$1,660$1,146$773$511$333$47
34 years$1,594$1,086$722$470$301$39
35 years$1,531$1,030$675$433$273$33
36 years$1,472$978$631$398$247$28
37 years$1,417$929$591$367$224$24
38 years$1,364$883$553$338$203$20
39 years$1,314$839$518$312$184$17
40 years$1,267$798$486$288$167$14
41 years$1,223$760$456$266$152$12
42 years$1,180$724$427$245$137$10
43 years$1,140$690$401$226$125$8
44 years$1,101$657$376$209$113$7
45 years$1,065$627$353$193$103$6
46 years$1,030$598$332$178$93$5
47 years$997$571$312$165$85$4
48 years$965$545$293$152$77$4
49 years$934$520$276$141$70$3
50 years$905$497$259$130$64$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $927,000, adding $2,281 every year, while hoping to spend $39,027 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: 38/48/14 Blend
49$927,000$927,000$927,000$927,000
50$1,023,907$974,776$960,407$1,058,394
51$1,086,821$981,015$951,057$1,089,467
52$1,154,844$986,253$940,085$1,119,090
53$1,228,457$990,397$927,396$1,150,257
54$1,308,186$993,354$912,890$1,183,127
55$1,394,612$995,019$896,463$1,217,877
56$1,488,373$995,285$878,005$1,254,703
57$1,590,169$994,037$857,401$1,293,824
58$1,700,774$991,152$834,531$1,335,484
59$1,821,035$986,501$809,270$1,379,957
60$1,951,886$979,945$781,486$1,427,543
61$2,094,355$971,339$751,043$1,478,581
62$2,249,573$960,527$717,795$1,533,445
63$2,418,782$947,346$681,595$1,592,552
64$2,603,353$931,622$642,283$1,656,364
65$2,804,793$913,169$599,698$1,725,397
66$3,024,761$891,793$553,666$1,800,222
67$3,265,082$867,286$504,010$1,881,475
68$3,527,768$839,431$450,541$1,969,859
69$3,815,031$807,994$393,066$2,066,156
70$4,129,310$772,731$331,379$2,171,236
71$4,473,287$733,382$265,267$2,286,059
72$4,849,917$689,673$194,509$2,411,693
73$5,262,455$641,314$118,871$2,549,321
74$5,714,484$587,997$38,112$2,700,255
75$6,209,950$529,398$0$2,865,947
76$6,753,201$465,174$0$3,055,187
77$7,349,023$394,963$0$3,269,120
78$8,002,689$318,382$0$3,504,062
79$8,720,008$235,027$0$3,762,240
80$9,507,375$144,470$0$4,046,119
81$10,371,839$46,260$0$4,358,421
82$11,321,162$0$0$4,702,159
83$12,363,894$0$0$5,112,390
84$13,509,456$0$0$5,590,055
85$14,768,226$0$0$6,115,062
86$16,151,636$0$0$6,692,196
87$17,672,280$0$0$7,326,730
88$19,344,035$0$0$8,024,472
89$21,182,189$0$0$8,791,822
90$23,203,584$0$0$9,635,831
91$25,426,776$0$0$10,564,266
92$27,872,212$0$0$11,585,688
93$30,562,417$0$0$12,709,527
94$33,522,211$0$0$13,946,173
95$36,778,940$0$0$15,307,076
96$40,362,736$0$0$16,804,851
97$44,306,798$0$0$18,453,397
98$48,647,707$0$0$20,268,029
99$53,425,769$0$0$22,265,625
100$58,685,397$0$0$24,464,778