Can I retire at age 50 with 776,000?

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 $776,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$64,081$63,511$62,954$62,410$61,879$60,704
2 years$31,723$31,133$30,560$30,005$29,466$28,287
3 years$20,939$20,346$19,774$19,224$18,695$17,548
4 years$15,548$14,956$14,391$13,850$13,333$12,228
5 years$12,314$11,726$11,168$10,638$10,136$9,075
6 years$10,159$9,575$9,025$8,507$8,020$7,005
7 years$8,620$8,041$7,500$6,994$6,522$5,553
8 years$7,466$6,893$6,361$5,867$5,411$4,488
9 years$6,569$6,001$5,478$4,998$4,557$3,679
10 years$5,852$5,290$4,776$4,308$3,883$3,049
11 years$5,266$4,709$4,205$3,749$3,339$2,549
12 years$4,778$4,227$3,732$3,289$2,894$2,145
13 years$4,365$3,820$3,334$2,903$2,523$1,816
14 years$4,012$3,472$2,996$2,577$2,212$1,544
15 years$3,706$3,172$2,705$2,299$1,948$1,318
16 years$3,438$2,910$2,452$2,058$1,721$1,129
17 years$3,202$2,680$2,231$1,849$1,526$969
18 years$2,993$2,476$2,037$1,666$1,357$834
19 years$2,806$2,295$1,865$1,506$1,210$719
20 years$2,637$2,133$1,711$1,364$1,080$621
21 years$2,485$1,987$1,574$1,238$967$537
22 years$2,347$1,854$1,451$1,125$867$465
23 years$2,222$1,734$1,340$1,025$778$403
24 years$2,106$1,625$1,239$935$699$350
25 years$2,001$1,525$1,147$854$629$304
26 years$1,903$1,433$1,064$781$567$264
27 years$1,813$1,349$988$714$511$229
28 years$1,730$1,271$919$655$461$200
29 years$1,652$1,199$855$600$416$174
30 years$1,580$1,132$796$551$376$151
31 years$1,512$1,070$742$506$340$132
32 years$1,449$1,013$693$465$308$115
33 years$1,390$959$647$428$278$100
34 years$1,334$909$604$393$252$87
35 years$1,282$862$565$362$228$76
36 years$1,232$818$528$334$207$66
37 years$1,186$777$495$307$187$58
38 years$1,142$739$463$283$170$50
39 years$1,100$702$434$261$154$44
40 years$1,061$668$407$241$140$38
41 years$1,023$636$381$222$127$33
42 years$988$606$358$205$115$29
43 years$954$577$336$189$104$25
44 years$922$550$315$175$95$22
45 years$891$525$296$161$86$19
46 years$862$501$278$149$78$17
47 years$834$478$261$138$71$15
48 years$808$456$245$127$64$13
49 years$782$435$231$118$59$11
50 years$758$416$217$109$53$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $776,000, adding $3,959 every year, while hoping to spend $40,056 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: 49/31/20 Blend
49$776,000$776,000$776,000$776,000
50$859,236$818,108$806,080$896,334
51$904,258$815,576$790,464$919,951
52$952,531$811,577$772,983$941,200
53$1,004,343$805,998$753,531$963,441
54$1,060,011$798,717$732,000$986,785
55$1,119,883$789,605$708,273$1,011,354
56$1,184,343$778,528$682,232$1,037,285
57$1,253,810$765,340$653,751$1,064,733
58$1,328,746$749,888$622,699$1,093,870
59$1,409,657$732,012$588,938$1,124,889
60$1,497,100$711,539$552,326$1,158,005
61$1,591,688$688,288$512,712$1,193,459
62$1,694,093$662,067$469,941$1,231,519
63$1,805,056$632,673$423,849$1,272,486
64$1,925,388$599,891$374,265$1,316,694
65$2,055,985$563,493$321,010$1,364,515
66$2,197,831$523,240$263,899$1,416,362
67$2,352,007$478,876$202,737$1,472,699
68$2,519,704$430,133$137,321$1,534,039
69$2,702,232$376,727$67,439$1,600,952
70$2,901,031$318,359$0$1,674,074
71$3,117,688$254,710$0$1,755,633
72$3,353,948$185,446$0$1,860,348
73$3,611,730$110,213$0$1,974,734
74$3,893,151$28,638$0$2,099,810
75$4,200,537$0$0$2,236,704
76$4,536,450$0$0$2,407,021
77$4,903,712$0$0$2,603,994
78$5,305,427$0$0$2,819,529
79$5,745,015$0$0$3,055,471
80$6,226,242$0$0$3,313,853
81$6,753,254$0$0$3,596,910
82$7,330,618$0$0$3,907,109
83$7,963,361$0$0$4,247,163
84$8,657,022$0$0$4,620,060
85$9,417,701$0$0$5,029,092
86$10,252,115$0$0$5,477,887
87$11,167,665$0$0$5,970,436
88$12,172,500$0$0$6,511,141
89$13,275,599$0$0$7,104,847
90$14,486,852$0$0$7,756,892
91$15,817,152$0$0$8,473,158
92$17,278,501$0$0$9,260,122
93$18,884,120$0$0$10,124,921
94$20,648,573$0$0$11,075,419
95$22,587,906$0$0$12,120,276
96$24,719,796$0$0$13,269,037
97$27,063,718$0$0$14,532,214
98$29,641,129$0$0$15,921,393
99$32,475,669$0$0$17,449,335
100$35,593,383$0$0$19,130,101