Can I retire at age 49 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$63,999$63,429$62,873$62,330$61,800$60,751
2 years$31,683$31,093$30,521$29,966$29,428$28,375
3 years$20,912$20,319$19,749$19,200$18,671$17,645
4 years$15,528$14,937$14,372$13,832$13,316$12,327
5 years$12,298$11,711$11,153$10,624$10,123$9,172
6 years$10,145$9,563$9,014$8,496$8,010$7,099
7 years$8,609$8,031$7,490$6,985$6,514$5,644
8 years$7,456$6,884$6,352$5,860$5,404$4,574
9 years$6,561$5,994$5,471$4,991$4,551$3,761
10 years$5,845$5,283$4,770$4,303$3,878$3,126
11 years$5,259$4,703$4,199$3,745$3,335$2,622
12 years$4,772$4,221$3,727$3,284$2,890$2,214
13 years$4,359$3,815$3,330$2,900$2,520$1,880
14 years$4,006$3,468$2,992$2,574$2,209$1,604
15 years$3,701$3,168$2,701$2,296$1,945$1,374
16 years$3,434$2,906$2,449$2,055$1,719$1,181
17 years$3,198$2,677$2,229$1,847$1,524$1,018
18 years$2,989$2,473$2,034$1,664$1,355$879
19 years$2,802$2,292$1,862$1,504$1,208$761
20 years$2,634$2,130$1,709$1,362$1,079$660
21 years$2,482$1,984$1,572$1,236$966$573
22 years$2,344$1,852$1,449$1,124$866$498
23 years$2,219$1,732$1,338$1,024$777$433
24 years$2,104$1,623$1,237$934$698$377
25 years$1,998$1,523$1,146$853$628$329
26 years$1,901$1,431$1,063$780$566$287
27 years$1,811$1,347$987$714$510$250
28 years$1,727$1,269$917$654$460$219
29 years$1,650$1,198$854$600$416$191
30 years$1,578$1,131$795$550$376$167
31 years$1,510$1,069$741$505$340$146
32 years$1,447$1,012$692$464$307$128
33 years$1,388$958$646$427$278$112
34 years$1,332$908$603$393$252$98
35 years$1,280$861$564$362$228$86
36 years$1,231$817$528$333$207$75
37 years$1,184$776$494$307$187$66
38 years$1,140$738$463$283$170$57
39 years$1,099$702$433$261$154$50
40 years$1,060$667$406$241$140$44
41 years$1,022$635$381$222$127$39
42 years$987$605$357$205$115$34
43 years$953$577$335$189$104$30
44 years$921$550$315$175$95$26
45 years$890$524$296$161$86$23
46 years$861$500$278$149$78$20
47 years$833$477$261$138$71$17
48 years$807$455$245$127$64$15
49 years$781$435$230$118$58$13
50 years$757$415$217$109$53$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $775,000, adding $3,035 every year, while hoping to spend $52,959 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: 53/35/12 Blend
48$775,000$775,000$775,000$775,000
49$857,181$816,106$804,093$899,766
50$888,265$799,747$774,682$912,742
51$920,745$780,811$742,511$920,904
52$954,707$759,117$707,432$928,562
53$990,245$734,472$669,288$935,681
54$1,027,460$706,671$627,919$942,226
55$1,066,461$675,498$583,154$948,159
56$1,107,367$640,725$534,818$953,445
57$1,150,309$602,110$482,724$958,048
58$1,195,424$559,397$426,679$961,932
59$1,242,867$512,317$366,482$965,061
60$1,292,802$460,584$301,922$967,402
61$1,345,411$403,895$232,779$968,922
62$1,400,889$341,932$158,823$969,591
63$1,459,450$274,357$79,815$969,379
64$1,521,328$200,815$0$968,262
65$1,586,778$120,929$0$966,795
66$1,656,077$34,303$0$975,327
67$1,729,530$0$0$983,652
68$1,807,467$0$0$1,014,710
69$1,890,252$0$0$1,061,771
70$1,978,282$0$0$1,111,855
71$2,071,990$0$0$1,165,213
72$2,171,852$0$0$1,222,122
73$2,278,388$0$0$1,282,885
74$2,392,168$0$0$1,347,833
75$2,513,818$0$0$1,417,330
76$2,644,022$0$0$1,491,774
77$2,783,531$0$0$1,571,602
78$2,933,170$0$0$1,657,294
79$3,093,842$0$0$1,749,377
80$3,266,539$0$0$1,848,427
81$3,452,351$0$0$1,955,081
82$3,652,473$0$0$2,070,033
83$3,868,219$0$0$2,194,050
84$4,101,032$0$0$2,327,972
85$4,352,497$0$0$2,472,724
86$4,624,355$0$0$2,629,319
87$4,918,523$0$0$2,798,876
88$5,237,103$0$0$2,982,620
89$5,582,411$0$0$3,181,902
90$5,956,991$0$0$3,398,204
91$6,363,641$0$0$3,633,159
92$6,805,438$0$0$3,888,563
93$7,285,770$0$0$4,166,389
94$7,808,359$0$0$4,468,811
95$8,377,306$0$0$4,798,220
96$8,997,118$0$0$5,157,247
97$9,672,759$0$0$5,548,787
98$10,409,690$0$0$5,976,027
99$11,213,923$0$0$6,442,476
100$12,092,075$0$0$6,951,995