Can I retire at age 51 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$36,583$36,257$35,939$35,628$35,325$33,937
2 years$18,110$17,773$17,446$17,129$16,822$15,440
3 years$11,954$11,615$11,289$10,975$10,672$9,341
4 years$8,876$8,538$8,215$7,907$7,612$6,340
5 years$7,030$6,694$6,375$6,073$5,786$4,578
6 years$5,799$5,466$5,152$4,857$4,578$3,435
7 years$4,921$4,590$4,282$3,993$3,723$2,644
8 years$4,262$3,935$3,631$3,350$3,089$2,072
9 years$3,750$3,426$3,127$2,853$2,601$1,646
10 years$3,341$3,020$2,727$2,459$2,217$1,320
11 years$3,006$2,688$2,400$2,140$1,906$1,067
12 years$2,728$2,413$2,130$1,877$1,652$868
13 years$2,492$2,181$1,903$1,657$1,441$710
14 years$2,290$1,982$1,710$1,471$1,263$582
15 years$2,115$1,811$1,544$1,312$1,112$479
16 years$1,963$1,661$1,400$1,175$983$395
17 years$1,828$1,530$1,274$1,056$871$327
18 years$1,708$1,414$1,163$951$775$271
19 years$1,602$1,310$1,065$860$691$224
20 years$1,506$1,218$977$779$617$186
21 years$1,419$1,134$899$707$552$155
22 years$1,340$1,059$828$642$495$129
23 years$1,268$990$765$585$444$107
24 years$1,203$928$707$534$399$89
25 years$1,142$871$655$487$359$74
26 years$1,086$818$608$446$324$62
27 years$1,035$770$564$408$292$52
28 years$987$726$524$374$263$43
29 years$943$685$488$343$238$36
30 years$902$646$455$315$215$30
31 years$863$611$424$289$194$25
32 years$827$578$395$265$176$21
33 years$793$548$369$244$159$17
34 years$762$519$345$225$144$14
35 years$732$492$323$207$130$12
36 years$704$467$302$190$118$10
37 years$677$444$282$175$107$8
38 years$652$422$264$162$97$7
39 years$628$401$248$149$88$6
40 years$606$382$232$138$80$5
41 years$584$363$218$127$72$4
42 years$564$346$204$117$66$3
43 years$545$330$192$108$60$3
44 years$526$314$180$100$54$2
45 years$509$300$169$92$49$2
46 years$492$286$159$85$45$2
47 years$476$273$149$79$41$1
48 years$461$260$140$73$37$1
49 years$446$249$132$67$33$1
50 years$433$237$124$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $443,000, adding $4,905 every year, while hoping to spend $37,176 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: 49/38/13 Blend
50$443,000$443,000$443,000$443,000
51$493,246$469,767$462,900$515,425
52$504,002$453,230$438,852$514,665
53$514,609$434,637$412,753$509,566
54$525,013$413,848$384,494$503,194
55$535,152$390,715$353,962$495,442
56$544,958$365,081$321,041$486,195
57$554,354$336,780$285,606$475,330
58$563,253$305,637$247,529$462,711
59$571,559$271,468$206,675$448,196
60$579,165$234,076$162,905$431,630
61$585,949$193,255$116,072$412,845
62$591,778$148,786$66,022$391,663
63$596,502$100,440$12,597$367,888
64$599,956$47,972$0$341,312
65$601,954$0$0$317,871
66$602,292$0$0$297,136
67$600,740$0$0$295,413
68$597,046$0$0$292,506
69$590,929$0$0$288,261
70$582,077$0$0$282,510
71$570,144$0$0$275,065
72$554,748$0$0$265,718
73$535,465$0$0$254,240
74$511,825$0$0$240,376
75$483,309$0$0$223,843
76$449,342$0$0$204,332
77$409,287$0$0$181,496
78$362,440$0$0$154,956
79$308,025$0$0$124,289
80$245,181$0$0$89,030
81$172,958$0$0$48,665
82$90,305$0$0$2,625
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0