Can I retire at age 49 with 825,000?

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 $825,000?

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$68,128$67,521$66,929$66,351$65,787$63,528
2 years$33,727$33,098$32,490$31,899$31,327$29,075
3 years$22,261$21,630$21,023$20,438$19,875$17,700
4 years$16,529$15,900$15,299$14,725$14,175$12,093
5 years$13,091$12,466$11,873$11,310$10,776$8,793
6 years$10,800$10,180$9,595$9,045$8,526$6,644
7 years$9,164$8,549$7,974$7,436$6,934$5,152
8 years$7,938$7,328$6,762$6,238$5,753$4,069
9 years$6,984$6,380$5,824$5,313$4,845$3,258
10 years$6,222$5,624$5,078$4,580$4,128$2,635
11 years$5,599$5,007$4,470$3,986$3,550$2,149
12 years$5,080$4,494$3,967$3,496$3,076$1,763
13 years$4,641$4,061$3,545$3,087$2,683$1,454
14 years$4,265$3,691$3,185$2,740$2,352$1,203
15 years$3,940$3,372$2,875$2,444$2,071$1,000
16 years$3,655$3,094$2,607$2,188$1,830$832
17 years$3,404$2,849$2,372$1,966$1,623$695
18 years$3,182$2,633$2,166$1,772$1,443$581
19 years$2,983$2,440$1,982$1,601$1,286$487
20 years$2,804$2,267$1,819$1,450$1,149$408
21 years$2,642$2,112$1,674$1,316$1,028$342
22 years$2,496$1,972$1,542$1,196$921$288
23 years$2,362$1,844$1,424$1,090$827$242
24 years$2,239$1,728$1,317$994$743$203
25 years$2,127$1,621$1,220$908$669$171
26 years$2,023$1,524$1,131$830$603$144
27 years$1,928$1,434$1,051$760$543$121
28 years$1,839$1,351$977$696$490$102
29 years$1,756$1,275$909$638$443$86
30 years$1,679$1,204$847$586$400$73
31 years$1,608$1,138$789$538$362$61
32 years$1,540$1,077$736$494$327$52
33 years$1,477$1,020$688$455$296$44
34 years$1,418$967$642$418$268$37
35 years$1,363$917$601$385$243$31
36 years$1,310$870$562$355$220$26
37 years$1,261$826$526$327$199$22
38 years$1,214$785$492$301$181$19
39 years$1,170$747$461$278$164$16
40 years$1,128$711$432$256$149$13
41 years$1,088$676$406$236$135$11
42 years$1,050$644$380$218$122$9
43 years$1,014$614$357$201$111$8
44 years$980$585$335$186$101$7
45 years$948$558$315$172$92$6
46 years$917$532$295$159$83$5
47 years$887$508$278$147$75$4
48 years$859$485$261$135$69$3
49 years$831$463$245$125$62$3
50 years$805$442$231$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 49 starting with $825,000, adding $4,679 every year, while hoping to spend $20,760 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: 53/41/6 Blend
48$825,000$825,000$825,000$825,000
49$913,976$870,251$857,464$960,907
50$985,114$890,805$864,100$1,013,757
51$1,062,811$911,670$870,264$1,068,546
52$1,147,716$932,840$875,915$1,127,645
53$1,240,540$954,307$881,016$1,191,466
54$1,342,069$976,062$885,524$1,260,460
55$1,453,167$998,096$889,396$1,335,124
56$1,574,784$1,020,396$892,585$1,416,006
57$1,707,968$1,042,952$895,042$1,503,710
58$1,853,872$1,065,748$896,717$1,598,901
59$2,013,766$1,088,769$897,557$1,702,310
60$2,189,050$1,111,998$897,505$1,814,744
61$2,381,264$1,135,417$896,502$1,937,091
62$2,592,105$1,159,005$894,487$2,070,329
63$2,823,443$1,182,739$891,395$2,215,537
64$3,077,336$1,206,595$887,159$2,373,903
65$3,356,051$1,230,545$881,706$2,546,734
66$3,662,088$1,254,561$874,963$2,735,473
67$3,998,198$1,278,612$866,850$2,941,709
68$4,367,412$1,302,661$857,288$3,167,192
69$4,773,069$1,326,674$846,189$3,413,853
70$5,218,850$1,350,608$833,464$3,683,816
71$5,708,807$1,374,422$819,018$3,979,425
72$6,247,404$1,398,068$802,755$4,303,261
73$6,839,562$1,421,496$784,570$4,658,170
74$7,490,700$1,444,652$764,356$5,047,287
75$8,206,790$1,467,478$741,999$5,474,069
76$8,994,409$1,489,911$717,384$5,942,323
77$9,860,808$1,511,886$690,385$6,456,248
78$10,813,972$1,533,330$660,874$7,020,468
79$11,862,700$1,554,166$628,717$7,640,082
80$13,016,689$1,574,313$593,772$8,320,709
81$14,286,619$1,593,683$555,892$9,068,541
82$15,684,264$1,612,183$514,923$9,890,403
83$17,222,590$1,629,711$470,705$10,793,818
84$18,915,890$1,646,163$423,069$11,787,076
85$20,779,909$1,661,423$371,840$12,879,314
86$22,831,998$1,675,371$316,835$14,080,602
87$25,091,275$1,687,877$257,862$15,402,039
88$27,578,806$1,698,804$194,722$16,855,858
89$30,317,804$1,708,006$127,205$18,455,540
90$33,333,848$1,715,326$55,094$20,215,945
91$36,655,123$1,720,599$0$22,153,449
92$40,312,686$1,723,649$0$24,287,502
93$44,340,761$1,724,289$0$26,640,450
94$48,777,059$1,722,320$0$29,230,705
95$53,663,137$1,717,530$0$32,082,446
96$59,044,784$1,709,697$0$35,222,322
97$64,972,463$1,698,583$0$38,679,703
98$71,501,775$1,683,934$0$42,486,955
99$78,693,994$1,665,485$0$46,679,751
100$86,616,639$1,642,952$0$51,297,405