Can I retire at age 50 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$37,326$36,993$36,669$36,352$36,043$35,030
2 years$18,478$18,134$17,800$17,477$17,163$16,150
3 years$12,196$11,851$11,518$11,198$10,889$9,908
4 years$9,056$8,712$8,382$8,067$7,766$6,824
5 years$7,172$6,830$6,505$6,196$5,904$5,004
6 years$5,917$5,577$5,257$4,955$4,671$3,814
7 years$5,021$4,684$4,369$4,074$3,799$2,985
8 years$4,349$4,015$3,705$3,418$3,152$2,380
9 years$3,826$3,496$3,191$2,911$2,654$1,924
10 years$3,409$3,081$2,782$2,509$2,262$1,572
11 years$3,067$2,743$2,449$2,184$1,945$1,295
12 years$2,783$2,462$2,174$1,916$1,685$1,074
13 years$2,543$2,225$1,942$1,691$1,470$895
14 years$2,337$2,022$1,745$1,501$1,288$749
15 years$2,158$1,847$1,575$1,339$1,134$629
16 years$2,003$1,695$1,428$1,199$1,003$530
17 years$1,865$1,561$1,300$1,077$889$448
18 years$1,743$1,442$1,186$971$790$379
19 years$1,634$1,337$1,086$877$705$321
20 years$1,536$1,242$997$794$629$273
21 years$1,448$1,157$917$721$563$232
22 years$1,367$1,080$845$656$505$197
23 years$1,294$1,010$780$597$453$168
24 years$1,227$947$722$544$407$143
25 years$1,165$888$668$497$366$122
26 years$1,109$835$620$455$330$104
27 years$1,056$786$576$416$298$89
28 years$1,007$740$535$381$269$76
29 years$962$698$498$350$243$65
30 years$920$660$464$321$219$55
31 years$881$624$432$295$198$47
32 years$844$590$403$271$179$40
33 years$809$559$377$249$162$34
34 years$777$530$352$229$147$29
35 years$747$502$329$211$133$25
36 years$718$477$308$194$120$22
37 years$691$453$288$179$109$18
38 years$665$430$270$165$99$16
39 years$641$409$253$152$90$13
40 years$618$389$237$140$81$11
41 years$596$371$222$129$74$10
42 years$575$353$208$119$67$8
43 years$556$336$196$110$61$7
44 years$537$321$184$102$55$6
45 years$519$306$172$94$50$5
46 years$502$292$162$87$46$4
47 years$486$278$152$80$41$4
48 years$470$266$143$74$38$3
49 years$456$254$134$69$34$3
50 years$441$242$126$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $452,000, adding $4,597 every year, while hoping to spend $30,217 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: 49/43/8 Blend
49$452,000$452,000$452,000$452,000
50$502,846$478,890$471,884$526,205
51$521,985$470,205$455,541$533,992
52$542,065$460,081$437,638$538,862
53$563,147$448,417$418,091$543,446
54$585,302$435,104$396,812$547,724
55$608,606$420,027$373,708$551,679
56$633,140$403,065$348,684$555,291
57$658,995$384,089$321,638$558,543
58$686,266$362,963$292,467$561,418
59$715,061$339,544$261,060$563,899
60$745,494$313,679$227,303$565,971
61$777,694$285,208$191,077$567,619
62$811,796$253,961$152,256$568,831
63$847,953$219,759$110,710$569,597
64$886,328$182,411$66,302$569,909
65$927,102$141,717$18,892$569,762
66$970,471$97,466$0$569,155
67$1,016,651$49,435$0$570,797
68$1,065,879$0$0$573,886
69$1,118,411$0$0$578,073
70$1,174,532$0$0$607,563
71$1,234,552$0$0$639,132
72$1,298,811$0$0$672,964
73$1,367,681$0$0$709,259
74$1,441,573$0$0$748,238
75$1,520,935$0$0$790,141
76$1,606,260$0$0$835,234
77$1,698,088$0$0$883,808
78$1,797,016$0$0$936,183
79$1,903,694$0$0$992,711
80$2,018,840$0$0$1,053,777
81$2,143,241$0$0$1,119,806
82$2,277,763$0$0$1,191,264
83$2,423,357$0$0$1,268,664
84$2,581,071$0$0$1,352,569
85$2,752,052$0$0$1,443,599
86$2,937,567$0$0$1,542,436
87$3,139,005$0$0$1,649,829
88$3,357,897$0$0$1,766,603
89$3,595,926$0$0$1,893,666
90$3,854,942$0$0$2,032,016
91$4,136,983$0$0$2,182,751
92$4,444,291$0$0$2,347,081
93$4,779,333$0$0$2,526,335
94$5,144,823$0$0$2,721,978
95$5,543,750$0$0$2,935,623
96$5,979,403$0$0$3,169,043
97$6,455,404$0$0$3,424,193
98$6,975,739$0$0$3,703,224
99$7,544,798$0$0$4,008,503
100$8,167,413$0$0$4,342,638