Can I retire at age 50 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$63,999$63,429$62,873$62,330$61,800$61,231
2 years$31,683$31,093$30,521$29,966$29,428$28,855
3 years$20,912$20,319$19,749$19,200$18,671$18,111
4 years$15,528$14,937$14,372$13,832$13,316$12,774
5 years$12,298$11,711$11,153$10,624$10,123$9,600
6 years$10,145$9,563$9,014$8,496$8,010$7,507
7 years$8,609$8,031$7,490$6,985$6,514$6,032
8 years$7,456$6,884$6,352$5,860$5,404$4,942
9 years$6,561$5,994$5,471$4,991$4,551$4,109
10 years$5,845$5,283$4,770$4,303$3,878$3,456
11 years$5,259$4,703$4,199$3,745$3,335$2,932
12 years$4,772$4,221$3,727$3,284$2,890$2,507
13 years$4,359$3,815$3,330$2,900$2,520$2,155
14 years$4,006$3,468$2,992$2,574$2,209$1,863
15 years$3,701$3,168$2,701$2,296$1,945$1,616
16 years$3,434$2,906$2,449$2,055$1,719$1,407
17 years$3,198$2,677$2,229$1,847$1,524$1,229
18 years$2,989$2,473$2,034$1,664$1,355$1,076
19 years$2,802$2,292$1,862$1,504$1,208$944
20 years$2,634$2,130$1,709$1,362$1,079$830
21 years$2,482$1,984$1,572$1,236$966$731
22 years$2,344$1,852$1,449$1,124$866$645
23 years$2,219$1,732$1,338$1,024$777$569
24 years$2,104$1,623$1,237$934$698$503
25 years$1,998$1,523$1,146$853$628$445
26 years$1,901$1,431$1,063$780$566$394
27 years$1,811$1,347$987$714$510$349
28 years$1,727$1,269$917$654$460$310
29 years$1,650$1,198$854$600$416$275
30 years$1,578$1,131$795$550$376$244
31 years$1,510$1,069$741$505$340$217
32 years$1,447$1,012$692$464$307$193
33 years$1,388$958$646$427$278$171
34 years$1,332$908$603$393$252$152
35 years$1,280$861$564$362$228$135
36 years$1,231$817$528$333$207$120
37 years$1,184$776$494$307$187$107
38 years$1,140$738$463$283$170$95
39 years$1,099$702$433$261$154$85
40 years$1,060$667$406$241$140$76
41 years$1,022$635$381$222$127$67
42 years$987$605$357$205$115$60
43 years$953$577$335$189$104$53
44 years$921$550$315$175$95$47
45 years$890$524$296$161$86$42
46 years$861$500$278$149$78$38
47 years$833$477$261$138$71$34
48 years$807$455$245$127$64$30
49 years$781$435$230$118$58$27
50 years$757$415$217$109$53$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $775,000, adding $6,031 every year, while hoping to spend $44,683 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: 67/12/21 Blend
49$775,000$775,000$775,000$775,000
50$860,271$819,196$807,183$912,974
51$900,476$811,794$786,682$941,647
52$943,285$802,532$763,996$967,286
53$988,915$791,272$739,005$994,261
54$1,037,606$777,866$711,583$1,022,702
55$1,089,621$762,159$681,600$1,052,755
56$1,145,245$743,988$648,916$1,084,582
57$1,204,794$723,178$613,389$1,118,361
58$1,268,613$699,544$574,868$1,154,292
59$1,337,081$672,891$533,195$1,192,597
60$1,410,613$643,013$488,207$1,233,520
61$1,489,666$609,691$439,733$1,277,333
62$1,574,741$572,694$387,592$1,324,340
63$1,666,386$531,778$331,598$1,374,873
64$1,765,207$486,684$271,556$1,429,305
65$1,871,865$437,139$207,261$1,488,047
66$1,987,092$382,855$138,500$1,551,554
67$2,111,686$323,526$65,051$1,620,331
68$2,246,530$258,830$0$1,694,939
69$2,392,590$188,427$0$1,778,983
70$2,550,931$111,957$0$1,885,911
71$2,722,723$29,040$0$2,001,948
72$2,909,254$0$0$2,127,993
73$3,111,938$0$0$2,273,057
74$3,332,333$0$0$2,435,008
75$3,572,152$0$0$2,611,276
76$3,833,280$0$0$2,803,253
77$4,117,792$0$0$3,012,468
78$4,427,969$0$0$3,240,607
79$4,766,324$0$0$3,489,523
80$5,135,624$0$0$3,761,257
81$5,538,910$0$0$4,058,056
82$5,979,534$0$0$4,382,393
83$6,461,185$0$0$4,736,990
84$6,987,924$0$0$5,124,846
85$7,564,223$0$0$5,549,260
86$8,195,006$0$0$6,013,867
87$8,885,694$0$0$6,522,670
88$9,642,259$0$0$7,080,075
89$10,471,275$0$0$7,690,937
90$11,379,985$0$0$8,360,600
91$12,376,363$0$0$9,094,952
92$13,469,194$0$0$9,900,478
93$14,668,152$0$0$10,784,319
94$15,983,895$0$0$11,754,343
95$17,428,160$0$0$12,819,215
96$19,013,879$0$0$13,988,481
97$20,755,294$0$0$15,272,655
98$22,668,097$0$0$16,683,322
99$24,769,573$0$0$18,233,242
100$27,078,762$0$0$19,936,473