Can I retire at age 49 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$43,354$42,968$42,591$42,223$41,864$41,019
2 years$21,462$21,063$20,675$20,300$19,935$19,087
3 years$14,166$13,765$13,378$13,006$12,648$11,824
4 years$10,519$10,118$9,736$9,370$9,021$8,227
5 years$8,331$7,933$7,556$7,197$6,857$6,096
6 years$6,873$6,478$6,106$5,756$5,426$4,698
7 years$5,832$5,440$5,074$4,732$4,413$3,718
8 years$5,051$4,663$4,303$3,970$3,661$2,999
9 years$4,444$4,060$3,706$3,381$3,083$2,454
10 years$3,959$3,579$3,231$2,915$2,627$2,030
11 years$3,563$3,186$2,845$2,537$2,259$1,694
12 years$3,232$2,860$2,525$2,225$1,958$1,423
13 years$2,953$2,584$2,256$1,964$1,707$1,202
14 years$2,714$2,349$2,027$1,744$1,496$1,020
15 years$2,507$2,146$1,830$1,555$1,318$869
16 years$2,326$1,969$1,659$1,392$1,165$743
17 years$2,166$1,813$1,510$1,251$1,033$636
18 years$2,025$1,675$1,378$1,127$918$547
19 years$1,898$1,553$1,262$1,019$818$470
20 years$1,784$1,443$1,158$923$731$405
21 years$1,681$1,344$1,065$837$654$350
22 years$1,588$1,255$982$761$586$302
23 years$1,503$1,173$906$693$526$261
24 years$1,425$1,099$838$632$473$226
25 years$1,354$1,032$776$578$426$196
26 years$1,288$970$720$528$383$170
27 years$1,227$913$669$483$346$147
28 years$1,170$860$622$443$312$128
29 years$1,118$811$578$406$282$111
30 years$1,069$766$539$373$255$96
31 years$1,023$724$502$342$230$84
32 years$980$685$469$315$208$73
33 years$940$649$438$289$188$63
34 years$903$615$409$266$171$55
35 years$867$583$382$245$154$48
36 years$834$554$358$226$140$41
37 years$802$526$335$208$127$36
38 years$773$500$313$192$115$31
39 years$744$475$294$177$104$27
40 years$718$452$275$163$95$24
41 years$692$430$258$150$86$21
42 years$668$410$242$139$78$18
43 years$646$391$227$128$71$16
44 years$624$372$213$118$64$14
45 years$603$355$200$109$58$12
46 years$583$339$188$101$53$10
47 years$564$323$177$93$48$9
48 years$546$309$166$86$44$8
49 years$529$295$156$80$40$7
50 years$513$281$147$74$36$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $525,000, adding $2,949 every year, while hoping to spend $36,401 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: 45/27/28 Blend
48$525,000$525,000$525,000$525,000
49$581,592$553,767$545,629$602,941
50$602,184$542,171$525,178$606,811
51$623,656$528,787$502,821$607,283
52$646,060$513,489$478,456$607,096
53$669,452$496,143$451,978$606,209
54$693,890$476,608$423,273$604,580
55$719,440$454,735$392,226$602,165
56$746,171$430,365$358,714$598,919
57$774,159$403,332$322,609$594,795
58$803,486$373,458$283,780$589,744
59$834,241$340,557$242,086$583,719
60$866,520$304,431$197,382$576,668
61$900,428$264,871$149,518$568,541
62$936,079$221,657$98,333$559,287
63$973,596$174,555$43,664$548,852
64$1,013,114$123,319$0$537,184
65$1,054,779$67,689$0$528,615
66$1,098,752$7,391$0$532,914
67$1,145,205$0$0$537,025
68$1,194,330$0$0$558,148
69$1,246,334$0$0$582,862
70$1,301,443$0$0$609,082
71$1,359,904$0$0$636,929
72$1,421,989$0$0$666,537
73$1,487,992$0$0$698,052
74$1,558,238$0$0$731,632
75$1,633,081$0$0$767,451
76$1,712,909$0$0$805,703
77$1,798,147$0$0$846,595
78$1,889,260$0$0$890,357
79$1,986,760$0$0$937,241
80$2,091,205$0$0$987,524
81$2,203,211$0$0$1,041,508
82$2,323,450$0$0$1,099,527
83$2,452,663$0$0$1,161,944
84$2,591,660$0$0$1,229,161
85$2,741,332$0$0$1,301,618
86$2,902,659$0$0$1,379,799
87$3,076,715$0$0$1,464,235
88$3,264,682$0$0$1,555,510
89$3,467,856$0$0$1,654,266
90$3,687,665$0$0$1,761,208
91$3,925,676$0$0$1,877,111
92$4,183,614$0$0$2,002,829
93$4,463,372$0$0$2,139,299
94$4,767,037$0$0$2,287,552
95$5,096,899$0$0$2,448,724
96$5,455,482$0$0$2,624,062
97$5,845,560$0$0$2,814,940
98$6,270,184$0$0$3,022,869
99$6,732,714$0$0$3,249,513
100$7,236,845$0$0$3,496,700