Can I retire at age 51 with 439,000?

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 $439,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$36,252$35,929$35,614$35,307$35,006$33,981
2 years$17,947$17,612$17,288$16,974$16,670$15,645
3 years$11,846$11,510$11,187$10,876$10,576$9,584
4 years$8,796$8,461$8,141$7,835$7,543$6,591
5 years$6,966$6,634$6,318$6,018$5,734$4,825
6 years$5,747$5,417$5,106$4,813$4,537$3,672
7 years$4,876$4,549$4,243$3,957$3,690$2,869
8 years$4,224$3,899$3,598$3,319$3,061$2,283
9 years$3,716$3,395$3,099$2,827$2,578$1,843
10 years$3,311$2,993$2,702$2,437$2,196$1,503
11 years$2,979$2,664$2,379$2,121$1,889$1,236
12 years$2,703$2,391$2,111$1,860$1,637$1,022
13 years$2,469$2,161$1,886$1,643$1,428$851
14 years$2,269$1,964$1,695$1,458$1,251$711
15 years$2,096$1,794$1,530$1,300$1,102$596
16 years$1,945$1,646$1,387$1,164$974$501
17 years$1,812$1,516$1,262$1,046$863$422
18 years$1,693$1,401$1,152$943$768$356
19 years$1,587$1,298$1,055$852$684$301
20 years$1,492$1,207$968$772$611$255
21 years$1,406$1,124$891$700$547$216
22 years$1,328$1,049$821$637$490$184
23 years$1,257$981$758$580$440$156
24 years$1,192$919$701$529$396$133
25 years$1,132$863$649$483$356$113
26 years$1,077$811$602$442$321$96
27 years$1,026$763$559$404$289$82
28 years$978$719$520$370$261$69
29 years$935$678$484$340$236$59
30 years$894$641$450$312$213$50
31 years$855$606$420$286$192$43
32 years$820$573$392$263$174$37
33 years$786$543$366$242$158$31
34 years$755$514$342$223$143$27
35 years$725$488$320$205$129$23
36 years$697$463$299$189$117$19
37 years$671$440$280$174$106$17
38 years$646$418$262$160$96$14
39 years$622$397$246$148$87$12
40 years$600$378$230$136$79$10
41 years$579$360$216$126$72$9
42 years$559$343$202$116$65$7
43 years$540$327$190$107$59$6
44 years$522$311$178$99$54$5
45 years$504$297$167$91$49$5
46 years$488$283$157$84$44$4
47 years$472$270$148$78$40$3
48 years$457$258$139$72$36$3
49 years$442$246$130$67$33$2
50 years$429$235$123$62$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $439,000, adding $3,661 every year, while hoping to spend $27,718 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: 29/47/24 Blend
50$439,000$439,000$439,000$439,000
51$487,554$464,287$457,483$497,965
52$507,793$457,546$443,317$499,613
53$529,167$449,545$427,747$498,694
54$551,763$440,193$410,698$497,134
55$575,676$429,395$392,089$494,896
56$601,008$417,049$371,837$491,943
57$627,872$403,046$349,854$488,235
58$656,391$387,271$326,051$483,734
59$686,701$369,605$300,331$478,399
60$718,947$349,919$272,596$472,189
61$753,293$328,078$242,740$465,063
62$789,913$303,938$210,657$456,981
63$829,002$277,349$176,231$447,902
64$870,772$248,150$139,346$437,785
65$915,453$216,173$99,878$426,591
66$963,303$181,238$57,697$414,280
67$1,014,598$143,158$12,668$400,817
68$1,069,647$101,732$0$386,165
69$1,128,785$56,750$0$379,353
70$1,192,380$7,991$0$375,343
71$1,260,839$0$0$370,898
72$1,334,607$0$0$389,200
73$1,414,171$0$0$413,452
74$1,500,068$0$0$439,691
75$1,592,890$0$0$468,104
76$1,693,283$0$0$498,898
77$1,801,961$0$0$532,299
78$1,919,707$0$0$568,555
79$2,047,382$0$0$607,942
80$2,185,934$0$0$650,760
81$2,336,404$0$0$697,341
82$2,499,939$0$0$748,049
83$2,677,798$0$0$803,287
84$2,871,370$0$0$863,495
85$3,082,179$0$0$929,161
86$3,311,906$0$0$1,000,818
87$3,562,399$0$0$1,079,056
88$3,835,691$0$0$1,164,523
89$4,134,021$0$0$1,257,933
90$4,459,855$0$0$1,360,071
91$4,815,905$0$0$1,471,804
92$5,205,158$0$0$1,594,082
93$5,630,902$0$0$1,727,956
94$6,096,760$0$0$1,874,581
95$6,606,717$0$0$2,035,227
96$7,165,165$0$0$2,211,297
97$7,776,938$0$0$2,404,334
98$8,447,361$0$0$2,616,035
99$9,182,299$0$0$2,848,274
100$9,988,209$0$0$3,103,111