Can I retire at age 50 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$43,354$42,968$42,591$42,223$41,864$41,019
2 years$21,462$21,063$20,675$20,300$19,935$19,087
3 years$14,166$13,765$13,378$13,006$12,648$11,824
4 years$10,519$10,118$9,736$9,370$9,021$8,227
5 years$8,331$7,933$7,556$7,197$6,857$6,096
6 years$6,873$6,478$6,106$5,756$5,426$4,698
7 years$5,832$5,440$5,074$4,732$4,413$3,718
8 years$5,051$4,663$4,303$3,970$3,661$2,999
9 years$4,444$4,060$3,706$3,381$3,083$2,454
10 years$3,959$3,579$3,231$2,915$2,627$2,030
11 years$3,563$3,186$2,845$2,537$2,259$1,694
12 years$3,232$2,860$2,525$2,225$1,958$1,423
13 years$2,953$2,584$2,256$1,964$1,707$1,202
14 years$2,714$2,349$2,027$1,744$1,496$1,020
15 years$2,507$2,146$1,830$1,555$1,318$869
16 years$2,326$1,969$1,659$1,392$1,165$743
17 years$2,166$1,813$1,510$1,251$1,033$636
18 years$2,025$1,675$1,378$1,127$918$547
19 years$1,898$1,553$1,262$1,019$818$470
20 years$1,784$1,443$1,158$923$731$405
21 years$1,681$1,344$1,065$837$654$350
22 years$1,588$1,255$982$761$586$302
23 years$1,503$1,173$906$693$526$261
24 years$1,425$1,099$838$632$473$226
25 years$1,354$1,032$776$578$426$196
26 years$1,288$970$720$528$383$170
27 years$1,227$913$669$483$346$147
28 years$1,170$860$622$443$312$128
29 years$1,118$811$578$406$282$111
30 years$1,069$766$539$373$255$96
31 years$1,023$724$502$342$230$84
32 years$980$685$469$315$208$73
33 years$940$649$438$289$188$63
34 years$903$615$409$266$171$55
35 years$867$583$382$245$154$48
36 years$834$554$358$226$140$41
37 years$802$526$335$208$127$36
38 years$773$500$313$192$115$31
39 years$744$475$294$177$104$27
40 years$718$452$275$163$95$24
41 years$692$430$258$150$86$21
42 years$668$410$242$139$78$18
43 years$646$391$227$128$71$16
44 years$624$372$213$118$64$14
45 years$603$355$200$109$58$12
46 years$583$339$188$101$53$10
47 years$564$323$177$93$48$9
48 years$546$309$166$86$44$8
49 years$529$295$156$80$40$7
50 years$513$281$147$74$36$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $525,000, adding $2,284 every year, while hoping to spend $42,203 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: 71/14/15 Blend
49$525,000$525,000$525,000$525,000
50$580,906$553,081$544,943$620,019
51$595,255$535,278$518,295$628,484
52$609,653$515,189$489,340$632,430
53$624,060$492,656$457,956$635,651
54$638,432$467,514$424,015$638,069
55$652,717$439,588$387,385$639,597
56$666,859$408,691$347,927$640,142
57$680,791$374,630$305,495$639,602
58$694,440$337,195$259,938$637,865
59$707,724$296,169$211,097$634,810
60$720,551$251,320$158,807$630,306
61$732,816$202,403$102,896$624,208
62$744,403$149,161$43,183$616,360
63$755,182$91,320$0$606,592
64$765,009$28,593$0$598,005
65$773,721$0$0$594,697
66$781,138$0$0$595,620
67$787,059$0$0$599,763
68$791,261$0$0$602,546
69$793,496$0$0$603,772
70$793,486$0$0$603,227
71$790,925$0$0$600,669
72$785,473$0$0$595,831
73$776,753$0$0$588,417
74$764,344$0$0$578,099
75$747,782$0$0$564,513
76$726,554$0$0$547,256
77$700,090$0$0$525,882
78$667,758$0$0$499,895
79$628,860$0$0$468,750
80$582,624$0$0$431,840
81$528,195$0$0$388,497
82$464,628$0$0$337,981
83$390,877$0$0$279,472
84$305,788$0$0$212,066
85$208,083$0$0$134,764
86$96,353$0$0$46,460
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0