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%14.8%
1 years$63,999$63,429$62,873$62,330$61,800$60,577
2 years$31,683$31,093$30,521$29,966$29,428$28,201
3 years$20,912$20,319$19,749$19,200$18,671$17,478
4 years$15,528$14,937$14,372$13,832$13,316$12,167
5 years$12,298$11,711$11,153$10,624$10,123$9,020
6 years$10,145$9,563$9,014$8,496$8,010$6,955
7 years$8,609$8,031$7,490$6,985$6,514$5,508
8 years$7,456$6,884$6,352$5,860$5,404$4,446
9 years$6,561$5,994$5,471$4,991$4,551$3,640
10 years$5,845$5,283$4,770$4,303$3,878$3,013
11 years$5,259$4,703$4,199$3,745$3,335$2,515
12 years$4,772$4,221$3,727$3,284$2,890$2,115
13 years$4,359$3,815$3,330$2,900$2,520$1,788
14 years$4,006$3,468$2,992$2,574$2,209$1,518
15 years$3,701$3,168$2,701$2,296$1,945$1,294
16 years$3,434$2,906$2,449$2,055$1,719$1,107
17 years$3,198$2,677$2,229$1,847$1,524$949
18 years$2,989$2,473$2,034$1,664$1,355$815
19 years$2,802$2,292$1,862$1,504$1,208$702
20 years$2,634$2,130$1,709$1,362$1,079$605
21 years$2,482$1,984$1,572$1,236$966$523
22 years$2,344$1,852$1,449$1,124$866$452
23 years$2,219$1,732$1,338$1,024$777$391
24 years$2,104$1,623$1,237$934$698$339
25 years$1,998$1,523$1,146$853$628$294
26 years$1,901$1,431$1,063$780$566$255
27 years$1,811$1,347$987$714$510$221
28 years$1,727$1,269$917$654$460$192
29 years$1,650$1,198$854$600$416$167
30 years$1,578$1,131$795$550$376$145
31 years$1,510$1,069$741$505$340$126
32 years$1,447$1,012$692$464$307$110
33 years$1,388$958$646$427$278$95
34 years$1,332$908$603$393$252$83
35 years$1,280$861$564$362$228$72
36 years$1,231$817$528$333$207$63
37 years$1,184$776$494$307$187$55
38 years$1,140$738$463$283$170$48
39 years$1,099$702$433$261$154$41
40 years$1,060$667$406$241$140$36
41 years$1,022$635$381$222$127$31
42 years$987$605$357$205$115$27
43 years$953$577$335$189$104$24
44 years$921$550$315$175$95$21
45 years$890$524$296$161$86$18
46 years$861$500$278$149$78$16
47 years$833$477$261$138$71$14
48 years$807$455$245$127$64$12
49 years$781$435$230$118$58$10
50 years$757$415$217$109$53$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $775,000, adding $5,623 every year, while hoping to spend $54,417 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: 67/16/17 Blend
49$775,000$775,000$775,000$775,000
50$859,850$818,775$806,763$913,554
51$889,656$800,996$775,890$932,368
52$920,677$780,522$742,159$946,059
53$952,982$757,163$705,417$959,689
54$986,641$730,719$665,504$973,249
55$1,021,732$700,977$622,251$986,731
56$1,058,338$667,714$575,486$1,000,128
57$1,096,547$630,691$525,023$1,013,434
58$1,136,457$589,657$470,674$1,026,645
59$1,178,172$544,346$412,237$1,039,758
60$1,221,804$494,478$349,506$1,052,773
61$1,267,475$439,755$282,262$1,065,692
62$1,315,318$379,863$210,278$1,078,521
63$1,365,476$314,472$133,318$1,091,268
64$1,418,104$243,230$51,133$1,103,945
65$1,473,370$165,768$0$1,116,570
66$1,531,458$81,695$0$1,135,798
67$1,592,566$0$0$1,165,355
68$1,656,912$0$0$1,197,697
69$1,724,732$0$0$1,246,962
70$1,796,281$0$0$1,298,956
71$1,871,841$0$0$1,353,885
72$1,951,717$0$0$1,411,973
73$2,036,242$0$0$1,473,465
74$2,125,780$0$0$1,538,631
75$2,220,728$0$0$1,607,761
76$2,321,523$0$0$1,681,177
77$2,428,638$0$0$1,759,229
78$2,542,594$0$0$1,842,298
79$2,663,960$0$0$1,930,805
80$2,793,360$0$0$2,025,208
81$2,931,474$0$0$2,126,011
82$3,079,052$0$0$2,233,763
83$3,236,912$0$0$2,349,070
84$3,405,954$0$0$2,472,593
85$3,587,163$0$0$2,605,059
86$3,781,620$0$0$2,747,264
87$3,990,512$0$0$2,900,084
88$4,215,140$0$0$3,064,479
89$4,456,934$0$0$3,241,502
90$4,717,465$0$0$3,432,311
91$4,998,456$0$0$3,638,179
92$5,301,803$0$0$3,860,502
93$5,629,586$0$0$4,100,815
94$5,984,094$0$0$4,360,807
95$6,367,841$0$0$4,642,331
96$6,783,591$0$0$4,947,428
97$7,234,383$0$0$5,278,339
98$7,723,561$0$0$5,637,531
99$8,254,800$0$0$6,027,716
100$8,832,143$0$0$6,451,877