Can I retire at age 49 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$66,889$66,293$65,712$65,145$64,591$64,318
2 years$33,113$32,497$31,899$31,319$30,757$30,483
3 years$21,856$21,237$20,641$20,067$19,514$19,245
4 years$16,229$15,611$15,021$14,457$13,917$13,656
5 years$12,853$12,240$11,657$11,104$10,580$10,328
6 years$10,604$9,994$9,421$8,880$8,371$8,128
7 years$8,997$8,393$7,829$7,301$6,808$6,574
8 years$7,793$7,195$6,639$6,125$5,648$5,423
9 years$6,857$6,264$5,718$5,217$4,756$4,541
10 years$6,109$5,522$4,985$4,497$4,053$3,846
11 years$5,497$4,916$4,389$3,914$3,486$3,288
12 years$4,987$4,412$3,895$3,433$3,020$2,832
13 years$4,556$3,987$3,480$3,031$2,634$2,454
14 years$4,187$3,624$3,127$2,690$2,309$2,137
15 years$3,868$3,311$2,823$2,399$2,033$1,869
16 years$3,589$3,038$2,560$2,148$1,797$1,641
17 years$3,342$2,797$2,329$1,930$1,593$1,445
18 years$3,124$2,585$2,126$1,739$1,416$1,276
19 years$2,929$2,396$1,946$1,572$1,263$1,130
20 years$2,753$2,226$1,786$1,424$1,128$1,002
21 years$2,594$2,074$1,643$1,292$1,009$890
22 years$2,450$1,936$1,514$1,175$905$792
23 years$2,319$1,810$1,398$1,070$812$706
24 years$2,199$1,696$1,293$976$730$629
25 years$2,088$1,592$1,198$891$657$562
26 years$1,987$1,496$1,111$815$592$502
27 years$1,892$1,408$1,031$746$533$450
28 years$1,805$1,327$959$683$481$402
29 years$1,724$1,252$892$627$435$361
30 years$1,649$1,182$831$575$393$323
31 years$1,578$1,117$775$528$355$290
32 years$1,512$1,057$723$485$321$260
33 years$1,451$1,001$675$446$291$233
34 years$1,393$949$631$411$263$210
35 years$1,338$900$590$378$238$188
36 years$1,286$854$552$348$216$169
37 years$1,238$811$516$321$196$152
38 years$1,192$771$484$296$177$137
39 years$1,149$733$453$273$161$123
40 years$1,107$698$425$251$146$111
41 years$1,068$664$398$232$132$99
42 years$1,031$632$373$214$120$89
43 years$996$603$350$198$109$80
44 years$962$574$329$183$99$72
45 years$930$548$309$169$90$65
46 years$900$523$290$156$82$59
47 years$871$499$273$144$74$53
48 years$843$476$256$133$67$48
49 years$816$455$241$123$61$43
50 years$791$434$226$114$55$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $810,000, adding $2,323 every year, while hoping to spend $47,640 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: 33/46/21 Blend
48$810,000$810,000$810,000$810,000
49$895,016$852,086$839,531$918,703
50$935,619$843,150$816,967$927,616
51$978,767$832,179$792,050$932,707
52$1,024,669$819,023$764,651$937,209
53$1,073,554$803,524$734,636$941,101
54$1,125,673$785,514$701,863$944,361
55$1,181,301$764,813$666,184$946,973
56$1,240,738$741,233$627,446$948,920
57$1,304,314$714,574$585,486$950,191
58$1,372,392$684,626$540,137$950,780
59$1,445,367$651,163$491,223$950,684
60$1,523,674$613,951$438,559$949,909
61$1,607,792$572,737$381,954$948,464
62$1,698,244$527,258$321,206$946,370
63$1,795,605$477,234$256,107$943,656
64$1,900,507$422,370$186,438$940,360
65$2,013,645$362,352$111,969$936,537
66$2,135,781$296,851$32,464$932,251
67$2,267,751$225,517$0$927,585
68$2,410,478$147,984$0$934,378
69$2,564,972$63,860$0$949,539
70$2,732,346$0$0$965,993
71$2,913,823$0$0$997,775
72$3,110,749$0$0$1,067,440
73$3,324,602$0$0$1,143,200
74$3,557,009$0$0$1,225,643
75$3,809,761$0$0$1,315,420
76$4,084,827$0$0$1,413,245
77$4,384,374$0$0$1,519,902
78$4,710,785$0$0$1,636,257
79$5,066,685$0$0$1,763,263
80$5,454,962$0$0$1,901,966
81$5,878,794$0$0$2,053,521
82$6,341,682$0$0$2,219,197
83$6,847,476$0$0$2,400,393
84$7,400,419$0$0$2,598,649
85$8,005,178$0$0$2,815,659
86$8,666,895$0$0$3,053,290
87$9,391,230$0$0$3,313,599
88$10,184,418$0$0$3,598,849
89$11,053,321$0$0$3,911,533
90$12,005,502$0$0$4,254,397
91$13,049,283$0$0$4,630,465
92$14,193,836$0$0$5,043,070
93$15,449,260$0$0$5,495,879
94$16,826,678$0$0$5,992,936
95$18,338,342$0$0$6,538,690
96$19,997,750$0$0$7,138,048
97$21,819,768$0$0$7,796,412
98$23,820,772$0$0$8,519,732
99$26,018,803$0$0$9,314,566
100$28,433,735$0$0$10,188,136