Can I retire at age 50 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$144,513$143,226$141,970$140,744$139,547$134,918
2 years$71,541$70,209$68,918$67,666$66,451$61,832
3 years$47,220$45,882$44,594$43,354$42,159$37,696
4 years$35,062$33,728$32,453$31,234$30,068$25,794
5 years$27,769$26,443$25,185$23,991$22,858$18,784
6 years$22,909$21,593$20,353$19,186$18,086$14,217
7 years$19,439$18,134$16,914$15,774$14,709$11,044
8 years$16,837$15,544$14,344$13,232$12,203$8,738
9 years$14,815$13,534$12,355$11,271$10,276$7,009
10 years$13,198$11,929$10,771$9,716$8,756$5,680
11 years$11,876$10,620$9,483$8,455$7,530$4,640
12 years$10,775$9,532$8,416$7,417$6,526$3,815
13 years$9,844$8,614$7,519$6,548$5,691$3,152
14 years$9,047$7,830$6,756$5,812$4,988$2,615
15 years$8,357$7,153$6,099$5,184$4,392$2,177
16 years$7,753$6,563$5,530$4,641$3,882$1,817
17 years$7,221$6,044$5,032$4,170$3,442$1,520
18 years$6,749$5,585$4,594$3,758$3,060$1,273
19 years$6,327$5,176$4,205$3,396$2,728$1,069
20 years$5,948$4,810$3,859$3,076$2,436$898
21 years$5,605$4,480$3,550$2,791$2,180$756
22 years$5,294$4,182$3,272$2,538$1,954$636
23 years$5,010$3,911$3,021$2,311$1,754$536
24 years$4,750$3,665$2,794$2,108$1,577$452
25 years$4,512$3,439$2,588$1,925$1,419$381
26 years$4,292$3,232$2,400$1,760$1,278$322
27 years$4,089$3,042$2,229$1,611$1,152$272
28 years$3,900$2,866$2,072$1,476$1,040$230
29 years$3,725$2,704$1,928$1,354$939$194
30 years$3,562$2,554$1,796$1,242$848$164
31 years$3,410$2,414$1,674$1,141$767$138
32 years$3,268$2,284$1,562$1,049$694$117
33 years$3,134$2,163$1,458$964$628$99
34 years$3,009$2,050$1,363$887$568$84
35 years$2,891$1,945$1,274$817$515$71
36 years$2,779$1,846$1,192$752$467$60
37 years$2,674$1,753$1,116$693$423$51
38 years$2,575$1,666$1,045$639$383$43
39 years$2,481$1,584$979$589$348$36
40 years$2,393$1,507$917$543$315$31
41 years$2,308$1,435$860$501$286$26
42 years$2,228$1,366$807$463$260$22
43 years$2,152$1,302$757$427$236$19
44 years$2,079$1,241$711$394$214$16
45 years$2,010$1,183$667$364$194$13
46 years$1,944$1,129$627$336$176$11
47 years$1,881$1,077$589$311$160$9
48 years$1,821$1,028$553$287$145$8
49 years$1,764$982$520$265$132$7
50 years$1,709$938$489$245$120$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $1,750,000, adding $6,249 every year, while hoping to spend $58,275 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: 42/43/15 Blend
49$1,750,000$1,750,000$1,750,000$1,750,000
50$1,934,946$1,842,196$1,815,071$2,007,467
51$2,070,306$1,870,459$1,813,872$2,087,398
52$2,217,520$1,898,155$1,810,679$2,167,667
53$2,377,735$1,925,192$1,805,365$2,253,332
54$2,552,214$1,951,477$1,797,794$2,344,913
55$2,742,346$1,976,905$1,787,827$2,442,987
56$2,949,661$2,001,369$1,775,314$2,548,188
57$3,175,841$2,024,750$1,760,102$2,661,219
58$3,422,739$2,046,925$1,742,027$2,782,855
59$3,692,393$2,067,760$1,720,920$2,913,955
60$3,987,049$2,087,112$1,696,603$3,055,466
61$4,309,179$2,104,831$1,668,890$3,208,434
62$4,661,502$2,120,754$1,637,584$3,374,017
63$5,047,014$2,134,711$1,602,483$3,553,490
64$5,469,016$2,146,517$1,563,372$3,748,267
65$5,931,138$2,155,979$1,520,028$3,959,906
66$6,437,382$2,162,890$1,472,216$4,190,129
67$6,992,152$2,167,029$1,419,693$4,440,838
68$7,600,302$2,168,163$1,362,203$4,714,134
69$8,267,173$2,166,044$1,299,477$5,012,337
70$8,998,652$2,160,407$1,231,237$5,338,008
71$9,801,220$2,150,974$1,157,189$5,693,978
72$10,682,020$2,137,446$1,077,030$6,083,368
73$11,648,914$2,119,509$990,439$6,509,630
74$12,710,567$2,096,830$897,083$6,976,569
75$13,876,524$2,069,053$796,613$7,488,390
76$15,157,296$2,035,803$688,667$8,049,734
77$16,564,466$1,996,684$572,863$8,665,723
78$18,110,794$1,951,273$448,806$9,342,011
79$19,810,334$1,899,124$316,080$10,084,839
80$21,678,572$1,839,766$174,253$10,901,094
81$23,732,570$1,772,698$22,875$11,798,378
82$25,991,124$1,697,392$0$12,785,078
83$28,474,942$1,613,287$0$13,892,646
84$31,206,840$1,519,792$0$15,114,452
85$34,211,956$1,416,280$0$16,458,181
86$37,517,987$1,302,090$0$17,936,354
87$41,155,451$1,176,522$0$19,562,780
88$45,157,971$1,038,835$0$21,352,686
89$49,562,595$888,249$0$23,322,868
90$54,410,144$723,937$0$25,491,845
91$59,745,596$545,027$0$27,880,041
92$65,618,511$350,598$0$30,509,978
93$72,083,497$139,675$0$33,406,492
94$79,200,727$0$0$36,596,968
95$87,036,503$0$0$40,153,607
96$95,663,882$0$0$44,142,597
97$105,163,369$0$0$48,535,103
98$115,623,669$0$0$53,372,179
99$127,142,530$0$0$58,699,062
100$139,827,659$0$0$64,565,598