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%18.5%
1 years$43,354$42,968$42,591$42,223$41,864$40,427
2 years$21,462$21,063$20,675$20,300$19,935$18,502
3 years$14,166$13,765$13,378$13,006$12,648$11,263
4 years$10,519$10,118$9,736$9,370$9,021$7,696
5 years$8,331$7,933$7,556$7,197$6,857$5,595
6 years$6,873$6,478$6,106$5,756$5,426$4,228
7 years$5,832$5,440$5,074$4,732$4,413$3,279
8 years$5,051$4,663$4,303$3,970$3,661$2,590
9 years$4,444$4,060$3,706$3,381$3,083$2,073
10 years$3,959$3,579$3,231$2,915$2,627$1,677
11 years$3,563$3,186$2,845$2,537$2,259$1,367
12 years$3,232$2,860$2,525$2,225$1,958$1,122
13 years$2,953$2,584$2,256$1,964$1,707$925
14 years$2,714$2,349$2,027$1,744$1,496$766
15 years$2,507$2,146$1,830$1,555$1,318$636
16 years$2,326$1,969$1,659$1,392$1,165$530
17 years$2,166$1,813$1,510$1,251$1,033$442
18 years$2,025$1,675$1,378$1,127$918$370
19 years$1,898$1,553$1,262$1,019$818$310
20 years$1,784$1,443$1,158$923$731$260
21 years$1,681$1,344$1,065$837$654$218
22 years$1,588$1,255$982$761$586$183
23 years$1,503$1,173$906$693$526$154
24 years$1,425$1,099$838$632$473$129
25 years$1,354$1,032$776$578$426$109
26 years$1,288$970$720$528$383$92
27 years$1,227$913$669$483$346$77
28 years$1,170$860$622$443$312$65
29 years$1,118$811$578$406$282$55
30 years$1,069$766$539$373$255$46
31 years$1,023$724$502$342$230$39
32 years$980$685$469$315$208$33
33 years$940$649$438$289$188$28
34 years$903$615$409$266$171$23
35 years$867$583$382$245$154$20
36 years$834$554$358$226$140$17
37 years$802$526$335$208$127$14
38 years$773$500$313$192$115$12
39 years$744$475$294$177$104$10
40 years$718$452$275$163$95$8
41 years$692$430$258$150$86$7
42 years$668$410$242$139$78$6
43 years$646$391$227$128$71$5
44 years$624$372$213$118$64$4
45 years$603$355$200$109$58$4
46 years$583$339$188$101$53$3
47 years$564$323$177$93$48$3
48 years$546$309$166$86$44$2
49 years$529$295$156$80$40$2
50 years$513$281$147$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $525,000, adding $5,666 every year, while hoping to spend $25,899 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: 89/5/6 Blend
48$525,000$525,000$525,000$525,000
49$584,394$556,569$548,432$635,806
50$616,446$556,285$539,248$669,839
51$650,900$555,119$528,889$703,009
52$687,972$553,000$517,287$738,623
53$727,901$549,853$504,372$776,907
54$770,951$545,600$490,073$818,111
55$817,410$540,156$474,312$862,507
56$867,593$533,431$457,009$910,397
57$921,850$525,332$438,081$962,112
58$980,562$515,757$417,440$1,018,016
59$1,044,151$504,600$394,996$1,078,512
60$1,113,078$491,749$370,652$1,144,040
61$1,187,852$477,085$344,309$1,215,087
62$1,269,032$460,481$315,862$1,292,188
63$1,357,233$441,805$285,203$1,375,933
64$1,453,132$420,914$252,218$1,466,971
65$1,557,472$397,659$216,788$1,566,016
66$1,671,072$371,883$178,789$1,673,857
67$1,794,834$343,418$138,091$1,791,360
68$1,929,750$312,087$94,560$1,919,479
69$2,076,909$277,705$48,052$2,059,267
70$2,237,514$240,073$0$2,211,883
71$2,412,887$198,983$0$2,378,704
72$2,604,483$154,214$0$2,564,325
73$2,813,904$105,535$0$2,767,225
74$3,042,915$52,699$0$2,989,122
75$3,293,458$0$0$3,231,907
76$3,567,671$0$0$3,497,914
77$3,867,910$0$0$3,792,345
78$4,196,768$0$0$4,114,844
79$4,557,101$0$0$4,468,212
80$4,952,054$0$0$4,855,533
81$5,385,091$0$0$5,280,205
82$5,860,028$0$0$5,745,970
83$6,381,067$0$0$6,256,949
84$6,952,836$0$0$6,817,682
85$7,580,434$0$0$7,433,170
86$8,269,477$0$0$8,108,920
87$9,026,150$0$0$8,850,999
88$9,857,271$0$0$9,666,093
89$10,770,344$0$0$10,561,563
90$11,773,642$0$0$11,545,521
91$12,876,274$0$0$12,626,903
92$14,088,280$0$0$13,815,554
93$15,420,716$0$0$15,122,320
94$16,885,767$0$0$16,559,150
95$18,496,856$0$0$18,139,208
96$20,268,772$0$0$19,877,000
97$22,217,807$0$0$21,788,506
98$24,361,915$0$0$23,891,332
99$26,720,876$0$0$26,204,880
100$29,316,483$0$0$28,750,523