Can I retire at age 50 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$70,357$69,731$69,119$68,522$67,940$66,324
2 years$34,830$34,182$33,553$32,943$32,352$30,734
3 years$22,990$22,338$21,711$21,107$20,526$18,955
4 years$17,070$16,421$15,800$15,207$14,639$13,129
5 years$13,520$12,874$12,262$11,680$11,128$9,682
6 years$11,153$10,513$9,909$9,341$8,805$7,425
7 years$9,464$8,829$8,235$7,679$7,161$5,847
8 years$8,197$7,568$6,984$6,442$5,941$4,692
9 years$7,213$6,589$6,015$5,487$5,003$3,818
10 years$6,425$5,808$5,244$4,730$4,263$3,141
11 years$5,782$5,170$4,617$4,117$3,666$2,606
12 years$5,246$4,641$4,097$3,611$3,177$2,177
13 years$4,793$4,194$3,661$3,188$2,770$1,828
14 years$4,405$3,812$3,289$2,830$2,429$1,542
15 years$4,068$3,482$2,970$2,524$2,138$1,305
16 years$3,775$3,195$2,692$2,260$1,890$1,108
17 years$3,516$2,943$2,450$2,030$1,676$943
18 years$3,286$2,719$2,236$1,830$1,490$805
19 years$3,080$2,520$2,047$1,653$1,328$688
20 years$2,896$2,342$1,879$1,497$1,186$589
21 years$2,729$2,181$1,728$1,359$1,062$505
22 years$2,577$2,036$1,593$1,236$951$433
23 years$2,439$1,904$1,471$1,125$854$372
24 years$2,313$1,784$1,360$1,026$768$319
25 years$2,197$1,674$1,260$937$691$275
26 years$2,090$1,574$1,168$857$622$236
27 years$1,991$1,481$1,085$784$561$203
28 years$1,899$1,396$1,009$719$506$175
29 years$1,814$1,317$939$659$457$151
30 years$1,734$1,243$874$605$413$130
31 years$1,660$1,175$815$556$373$112
32 years$1,591$1,112$760$511$338$97
33 years$1,526$1,053$710$469$306$83
34 years$1,465$998$663$432$277$72
35 years$1,407$947$620$398$251$62
36 years$1,353$899$580$366$227$54
37 years$1,302$853$543$337$206$46
38 years$1,254$811$509$311$187$40
39 years$1,208$771$476$287$169$34
40 years$1,165$734$447$265$154$30
41 years$1,124$699$419$244$139$26
42 years$1,085$665$393$225$126$22
43 years$1,048$634$369$208$115$19
44 years$1,012$604$346$192$104$17
45 years$979$576$325$177$95$14
46 years$947$550$305$164$86$12
47 years$916$525$287$151$78$11
48 years$887$501$269$140$71$9
49 years$859$478$253$129$64$8
50 years$832$457$238$119$58$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 50 starting with $852,000, adding $6,944 every year, while hoping to spend $52,229 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: 53/25/22 Blend
49$852,000$852,000$852,000$852,000
50$946,067$900,911$887,705$990,133
51$986,994$889,484$861,872$1,009,789
52$1,030,346$875,747$833,423$1,025,167
53$1,076,314$859,531$802,215$1,040,800
54$1,125,108$840,658$768,099$1,056,730
55$1,176,958$818,940$730,919$1,073,005
56$1,232,115$794,175$690,512$1,089,684
57$1,290,854$766,153$646,708$1,106,833
58$1,353,475$734,649$599,327$1,124,529
59$1,420,310$699,426$548,184$1,142,859
60$1,491,717$660,234$493,084$1,161,924
61$1,568,095$616,808$433,825$1,181,841
62$1,649,875$568,866$370,193$1,202,741
63$1,737,536$516,114$301,968$1,224,775
64$1,831,597$458,237$228,917$1,248,112
65$1,932,634$394,904$150,799$1,272,945
66$2,041,273$325,765$67,362$1,299,494
67$2,158,207$250,451$0$1,328,004
68$2,284,193$168,572$0$1,363,843
69$2,420,063$79,715$0$1,419,441
70$2,566,733$0$0$1,479,388
71$2,725,208$0$0$1,548,705
72$2,896,592$0$0$1,647,450
73$3,082,100$0$0$1,754,401
74$3,283,067$0$0$1,870,337
75$3,500,959$0$0$1,996,114
76$3,737,392$0$0$2,132,672
77$3,994,140$0$0$2,281,047
78$4,273,156$0$0$2,442,379
79$4,576,587$0$0$2,617,918
80$4,906,797$0$0$2,809,046
81$5,266,385$0$0$3,017,277
82$5,658,213$0$0$3,244,281
83$6,085,428$0$0$3,491,897
84$6,551,497$0$0$3,762,145
85$7,060,234$0$0$4,057,251
86$7,615,837$0$0$4,379,667
87$8,222,929$0$0$4,732,089
88$8,886,598$0$0$5,117,488
89$9,612,446$0$0$5,539,133
90$10,406,642$0$0$6,000,625
91$11,275,979$0$0$6,505,929
92$12,227,936$0$0$7,059,412
93$13,270,749$0$0$7,665,880
94$14,413,489$0$0$8,330,631
95$15,666,147$0$0$9,059,495
96$17,039,723$0$0$9,858,896
97$18,546,337$0$0$10,735,909
98$20,199,335$0$0$11,698,327
99$22,013,418$0$0$12,754,733
100$24,004,782$0$0$13,914,582