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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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$500k","2024-02-07T14:51:57.692Z","2026-03-19T16:48:16.240Z","2026-03-19T16:48:16.267Z",439289325,{"_uid":756,"body":757,"hero":1701,"author":1732,"series":1757,"sidebar":1758,"hide_cta":543,"metatags":1790,"reviewer":12,"component":1794,"updatedAt":1795,"series_order":1796,"bottom_banner":1797,"fullWidthMode":543,"subcategories":1798,"hideEmbeddedMF":543,"hide_pro_banner":558,"intro_paragraph":1799,"series_dropdown":543,"intro_subheading":12,"series_navigation":558,"table_of_contents":558,"outgrow_calculator":1800,"series_dropdown_label":12,"hide_email_signup_widget":558,"show_compound_calculator":543,"show_roth_ira_calculator":543,"show_footer_sticky_banner":543,"show_retirement_calculator":543,"show_capital_gains_calculator":543},"d8eac46d-7fbe-4e5e-b4bb-0c35cab12ffa",[758,842,864,878,905,909,939,961,1082,1330,1368,1662,1666],{"_uid":759,"data":760,"component":841},"84eba322-47ac-4f30-8909-84247bac040a",{"type":15,"content":761},[762,769,809,817,825,833],{"type":763,"attrs":764,"content":766},"heading",{"level":765,"textAlign":34},2,[767],{"text":768,"type":22},"Summary",{"type":770,"content":771},"bullet_list",[772,795,802],{"type":773,"content":774},"list_item",[775],{"type":18,"attrs":776,"content":777},{"textAlign":34},[778,780,786,788,793],{"text":779,"type":22},"Retiring on $500K is possible if an annual withdrawal of ",{"text":781,"type":22,"marks":782},"$29,400",[783],{"type":129,"attrs":784},{"color":785},"#000000",{"text":787,"type":22},"–",{"text":789,"type":22,"marks":790},"$34,200",[791],{"type":129,"attrs":792},{"color":785},{"text":794,"type":22}," aligns with your lifestyle needs over 25 years.",{"type":773,"content":796},[797],{"type":18,"attrs":798,"content":799},{"textAlign":34},[800],{"text":801,"type":22},"If you retire at 60 with $500k and withdraw $31,200 annually, your savings will last for 30 years.",{"type":773,"content":803},[804],{"type":18,"attrs":805,"content":806},{"textAlign":34},[807],{"text":808,"type":22},"You can retire at 50 with $500k, but it will take a lot of planning and some savvy decision-making.",{"type":763,"attrs":810,"content":811},{"level":765,"textAlign":34},[812],{"text":813,"type":22,"marks":814},"Can you retire on $500k? ",[815],{"type":129,"attrs":816},{"color":12},{"type":18,"attrs":818,"content":819},{"textAlign":34},[820],{"text":821,"type":22,"marks":822},"Yes, it is possible to retire comfortably on $500k.",[823],{"type":129,"attrs":824},{"color":12},{"type":18,"attrs":826,"content":827},{"textAlign":34},[828],{"text":829,"type":22,"marks":830},"This amount allows an annual withdrawal of $30,000 or less from age 60 to 85, covering 25 years. If $20,000 a year, or $1,667 a month, meets your lifestyle needs, then $500k is enough for your retirement.",[831],{"type":129,"attrs":832},{"color":12},{"type":18,"attrs":834,"content":835},{"textAlign":34},[836],{"text":837,"type":22,"marks":838},"However, if you want your retirement savings to cover 20 years, the table below illustrates how $500k, with an average annual return of 6% before taxes and a 22% federal tax rate, would perform under different yearly spending situations:",[839],{"type":129,"attrs":840},{"color":12},"article-rich-text",{"_uid":843,"caption":12,"content":844,"component":862,"paste_content":863,"hide_heading_row":543,"first_col_to_headings":558},"28ed9688-7137-4f13-afcb-f3e1a18147e2",{"tbody":845,"thead":855,"fieldtype":861},[846],{"_uid":847,"body":848,"component":854},"f5a9ff90-3f80-4fca-b58e-bb25f5dfbb9b",[849,852],{"_uid":850,"value":12,"component":851},"10aa4f36-1328-4910-b2b9-a9324e129245","_table_col",{"_uid":853,"value":12,"component":851},"3fdbfeac-5959-4a55-9896-5ccdfa8d0e87","_table_row",[856,859],{"_uid":857,"value":12,"component":858},"64757be0-9fef-49ad-9b25-63f19cf6f067","_table_head",{"_uid":860,"value":12,"component":858},"d92b0eb2-8b57-431a-92f0-6e69b3e42bb3","table","article-table","Initial savings\tAnnual Spending\tIs $500k enough?\tEnding Balance after 20 years\n\t$20,000\tYes\t$612,253\n\t$30,000\tYes\t$282,098\n$500,000\t$40,000\tNo\tSavings run out after 18 years\n\t$50,000\tNo\tSavings run out after 13 years",{"_uid":865,"data":866,"component":841},"13025cb2-6040-4cd4-b1cf-22ac4fea5f58",{"type":15,"content":867},[868,873],{"type":18,"attrs":869,"content":870},{"textAlign":34},[871],{"text":872,"type":22},"When deciding how long your retirement savings will last, retirement plans, annuities, and Social Security benefits should all be considered alongside the figure you have sitting in savings.",{"type":18,"attrs":874,"content":875},{"textAlign":34},[876],{"text":877,"type":22},"You should also bear in mind that expenses as a retiree tend to be lower than during your working life. However, if you have any financial dependents or outstanding debt, such as your mortgage, this may increase your annual expenses.",{"_uid":879,"data":880,"component":841},"d2a6598f-b781-431e-a865-17bab78cb844",{"type":15,"content":881},[882,890,895,900],{"type":763,"attrs":883,"content":884},{"level":765,"textAlign":34},[885],{"text":886,"type":22,"marks":887},"Calculate if $500k is enough for your retirement",[888],{"type":129,"attrs":889},{"color":12},{"type":18,"attrs":891,"content":892},{"textAlign":34},[893],{"text":894,"type":22},"Your retirement outcome depends on more than just your savings. ",{"type":18,"attrs":896,"content":897},{"textAlign":34},[898],{"text":899,"type":22},"It also varies by your age, contributions, investment growth, and lifestyle. ",{"type":18,"attrs":901,"content":902},{"textAlign":34},[903],{"text":904,"type":22},"Use the calculator below to see how much you could have by the time you retire and whether $500,000 will be enough to last through retirement.",{"_uid":906,"title":237,"ctaTitle":907,"show_cta":543,"component":908,"ctaLinkURL":12,"ctaLinkText":12,"description":12,"ctaDescription":12},"2b324640-74a0-4e06-b6fd-653dea2fe786","Want to get on track?","retirement-calculator",{"_uid":910,"data":911,"component":841},"ffd54dfb-1854-4ead-9324-0781f71fcbb0",{"type":15,"content":912},[913,921,929,934],{"type":763,"attrs":914,"content":915},{"level":765,"textAlign":34},[916],{"text":917,"type":22,"marks":918},"How long will $500k last in retirement?  ",[919],{"type":129,"attrs":920},{"color":12},{"type":18,"attrs":922,"content":923},{"textAlign":34},[924],{"text":925,"type":22,"marks":926},"The answer to this depends on how old you are when you retire and how much you plan to spend as a retiree.",[927],{"type":129,"attrs":928},{"color":12},{"type":18,"attrs":930,"content":931},{"textAlign":34},[932],{"text":933,"type":22},"Assuming an average annual return of 6% before taxes and a 20% federal tax rate, $500k can last for 25 years if you spend $34,200 annually. ",{"type":18,"attrs":935,"content":936},{"textAlign":34},[937],{"text":938,"type":22},"The table below offers a detailed breakdown of how long $500k can last across various annual spending scenarios:",{"_uid":940,"caption":12,"content":941,"component":862,"paste_content":955,"hide_heading_row":543,"first_col_to_headings":543},"6ef6c346-52ec-4a38-9ba9-37dac6aa1f7e",{"tbody":942,"thead":950,"fieldtype":861},[943],{"_uid":944,"body":945,"component":854},"389cbf28-c334-428d-85fb-f76648626575",[946,948],{"_uid":947,"value":12,"component":851},"5eb54252-4aa7-4b48-b2d5-be463538084f",{"_uid":949,"value":12,"component":851},"242ebbe1-b097-4cce-b8c3-94342c2c049d",[951,953],{"_uid":952,"value":12,"component":858},"66410eb8-ec64-4611-89b6-f7d2e66587bc",{"_uid":954,"value":12,"component":858},"b547a683-81d0-4d43-9d26-1d1b51ba5c5a",{"type":15,"content":956},[957],{"type":18,"content":958},[959],{"text":960,"type":22},"Spending per year\tSpending per month\tYears it will last\n$29,400\t$2,450\t35\n$31,200\t$2,600\t30\n$34,200\t$2,850\t25\n$38,400\t$3,200\t20\n$45,600\t$3,800\t15",{"_uid":962,"data":963,"component":841},"0abccaa5-8ee8-44e1-9179-4145866f5511",{"type":15,"content":964},[965,970,983,988,993,998,1003,1008,1013,1018,1023,1067,1072,1077],{"type":763,"attrs":966,"content":967},{"level":765,"textAlign":34},[968],{"text":969,"type":22},"Can I retire on 500k plus Social Security?",{"type":18,"attrs":971,"content":972},{"textAlign":34},[973,975,981],{"text":974,"type":22},"As we have established, retiring on $500k is entirely feasible. With the addition of ",{"text":976,"type":22,"marks":977},"Social Security benefits,",[978],{"type":31,"attrs":979},{"href":980,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement/social-security-in-retirement-explained-everything-you-need-to-know",{"text":982,"type":22}," this becomes even more of a possibility.",{"type":18,"attrs":984,"content":985},{"textAlign":34},[986],{"text":987,"type":22},"In retirement, Social Security benefits can provide an additional $2,000 per month, on average.",{"type":18,"attrs":989,"content":990},{"textAlign":34},[991],{"text":992,"type":22},"You can start receiving Social Security benefits as early as 62. However, these will be reduced. Your full benefits only become available once you reach full retirement age. For those born during or after 1960, this is 67.   ",{"type":18,"attrs":994,"content":995},{"textAlign":34},[996],{"text":997,"type":22},"Social Security benefits are also taxable, which is important to consider if you plan to rely on this money to supplement your retirement income. ",{"type":18,"attrs":999,"content":1000},{"textAlign":34},[1001],{"text":1002,"type":22},"How much tax you pay depends on your overall retirement income and several other factors, including the state you reside in, as some states opt not to tax Social Security.",{"type":763,"attrs":1004,"content":1005},{"level":765,"textAlign":34},[1006],{"text":1007,"type":22},"Can you retire at 50 with $500k? ",{"type":18,"attrs":1009,"content":1010},{"textAlign":34},[1011],{"text":1012,"type":22},"You can retire at 50 with $500,000; however, it will require careful planning and budgeting.",{"type":18,"attrs":1014,"content":1015},{"textAlign":34},[1016],{"text":1017,"type":22},"As the table above shows, if you have an annual income of either $20,000 or $30,000, you can expect your $500,000 to last for over 30 years. This means you will run out of retirement savings in your 80s.",{"type":18,"attrs":1019,"content":1020},{"textAlign":34},[1021],{"text":1022,"type":22},"When you retire and how much you will need depends on a number of factors, including:",{"type":770,"content":1024},[1025,1036,1047],{"type":773,"content":1026},[1027],{"type":18,"attrs":1028,"content":1029},{"textAlign":34},[1030,1034],{"text":1031,"type":22,"marks":1032},"Your retirement lifestyle: ",[1033],{"type":38},{"text":1035,"type":22},"How you plan to spend your retirement will impact the amount of money you need. For example, if you plan on traveling extensively, you will spend your retirement savings more quickly than if you live a more frugal lifestyle.",{"type":773,"content":1037},[1038],{"type":18,"attrs":1039,"content":1040},{"textAlign":34},[1041,1045],{"text":1042,"type":22,"marks":1043},"Your other sources of income: ",[1044],{"type":38},{"text":1046,"type":22},"Will you receive additional benefits to boost your total figure, such as gifted support from a family member or Social Security payments? Have you factored these things in?  ",{"type":773,"content":1048},[1049],{"type":18,"attrs":1050,"content":1051},{"textAlign":34},[1052,1056,1058,1065],{"text":1053,"type":22,"marks":1054},"Where you plan to live: ",[1055],{"type":38},{"text":1057,"type":22},"The cost of living varies by location. ",{"text":1059,"type":22,"marks":1060},"Some states",[1061],{"type":31,"attrs":1062},{"href":1063,"uuid":34,"anchor":34,"target":1064,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/where-should-i-retire-the-best-and-worst-states-revealed","_blank",{"text":1066,"type":22}," can be more beneficial for retirees, with lower taxes and day-to-day expenses. If you plan on relocating in retirement, it’s wise to factor in any cost differences.",{"type":763,"attrs":1068,"content":1069},{"level":765,"textAlign":34},[1070],{"text":1071,"type":22},"At what age can you retire with $500k?",{"type":18,"attrs":1073,"content":1074},{"textAlign":34},[1075],{"text":1076,"type":22},"You can retire whenever you choose, as long as you can financially support yourself.",{"type":18,"attrs":1078,"content":1079},{"textAlign":34},[1080],{"text":1081,"type":22},"As mentioned, $500,000 can last for over 30 years if budgeted correctly. However, there are a number of caveats to this, including how long you need your retirement savings to last, when your Social Security benefits kick in, and when your Medicare eligibility begins. ",{"_uid":1083,"body":1084,"image":1325,"title":1071,"cta_link":12,"cta_text":12,"component":1328,"background":1329,"description":12,"cta_description":12},"09843cc5-4af7-49c5-a323-1d85184046a7",[1085,1098],{"_uid":1086,"data":1087,"component":1097},"009b442d-6af1-49f1-a673-d310bb4267ab",{"type":15,"content":1088},[1089],{"type":18,"content":1090},[1091],{"text":1092,"type":22,"marks":1093},"The following scenarios assume an estimated tax rate of 20% and an annual return of 6%. They are not adjusted for inflation.",[1094],{"type":129,"attrs":1095},{"color":1096},"#323232","company-summary-rich-text",{"_uid":1099,"component":1100,"accordions":1101},"6ac61d09-8426-4423-8e66-c281f46f3c01","company-summary-accordion-group",[1102,1153,1195,1237,1284],{"_uid":1103,"text":1104,"title":1151,"component":1152},"7a737452-4f09-4952-b859-7d70194b45de",{"type":15,"content":1105},[1106,1141,1146],{"type":770,"content":1107},[1108,1119,1130],{"type":773,"content":1109},[1110],{"type":18,"attrs":1111,"content":1112},{"textAlign":34},[1113,1117],{"text":1114,"type":22,"marks":1115},"Years of income needed:",[1116],{"type":38},{"text":1118,"type":22}," 35",{"type":773,"content":1120},[1121],{"type":18,"attrs":1122,"content":1123},{"textAlign":34},[1124,1128],{"text":1125,"type":22,"marks":1126},"Annual withdrawal cap:",[1127],{"type":38},{"text":1129,"type":22}," $29,400",{"type":773,"content":1131},[1132],{"type":18,"attrs":1133,"content":1134},{"textAlign":34},[1135,1139],{"text":1136,"type":22,"marks":1137},"Social Security:",[1138],{"type":38},{"text":1140,"type":22}," Not eligible",{"type":18,"attrs":1142,"content":1143},{"textAlign":34},[1144],{"text":1145,"type":22},"Retiring at 50 with $500k requires careful financial planning. ",{"type":18,"attrs":1147,"content":1148},{"textAlign":34},[1149],{"text":1150,"type":22},"With 35 years to cover, a $29,400 annual withdrawal limit, and Social Security not available until you reach age 62, you’ll need to focus on investments, minimizing expenses, and finding additional sources of income to stay on track.","Can you retire at 50 with $500k? ","company-summary-accordion",{"_uid":1154,"text":1155,"title":1194,"component":1152},"24c36450-c017-471c-87ae-356dc438e8ec",{"type":15,"content":1156},[1157,1186,1190],{"type":770,"content":1158},[1159,1168,1178],{"type":773,"content":1160},[1161],{"type":18,"content":1162},[1163,1166],{"text":1114,"type":22,"marks":1164},[1165],{"type":38},{"text":1167,"type":22}," 30",{"type":773,"content":1169},[1170],{"type":18,"content":1171},[1172,1176],{"text":1173,"type":22,"marks":1174},"Annual withdrawal cap: ",[1175],{"type":38},{"text":1177,"type":22},"$31,200",{"type":773,"content":1179},[1180],{"type":18,"content":1181},[1182,1185],{"text":1136,"type":22,"marks":1183},[1184],{"type":38},{"text":1140,"type":22},{"type":18,"content":1187},[1188],{"text":1189,"type":22},"Retiring at 55 with $500k means planning for 30 years of income, which requires a solid strategy. With an annual withdrawal of $31,200, long-term financial stability will depend on minimizing expenses, growing investments, and securing additional income. ",{"type":18,"content":1191},[1192],{"text":1193,"type":22},"Since Social Security isn’t available until at least age 62, bridging the gap through other reliable income sources is essential.","Can you retire at 55 with $500k? ",{"_uid":1196,"text":1197,"title":1236,"component":1152},"37328374-f553-4f1f-b8ac-19ab83a9fa54",{"type":15,"content":1198},[1199,1228,1232],{"type":770,"content":1200},[1201,1210,1219],{"type":773,"content":1202},[1203],{"type":18,"content":1204},[1205,1208],{"text":1114,"type":22,"marks":1206},[1207],{"type":38},{"text":1209,"type":22}," 25",{"type":773,"content":1211},[1212],{"type":18,"content":1213},[1214,1217],{"text":1125,"type":22,"marks":1215},[1216],{"type":38},{"text":1218,"type":22}," $34,200",{"type":773,"content":1220},[1221],{"type":18,"content":1222},[1223,1226],{"text":1136,"type":22,"marks":1224},[1225],{"type":38},{"text":1227,"type":22}," Not eligible before",{"type":18,"content":1229},[1230],{"text":1231,"type":22},"Retiring at 60 with $500k offers a flexible annual withdrawal limit of $34,200 over 25 years compared to earlier retirements. ",{"type":18,"content":1233},[1234],{"text":1235,"type":22},"However, smart budgeting, investment growth, and supplemental income like Social Security remain key to long-term security.","Can you retire at 60 with $500k? ",{"_uid":1238,"text":1239,"title":1283,"component":1152},"18e0ad37-d0c4-45ab-ad04-4f8d7fb47305",{"type":15,"content":1240},[1241,1271,1275,1279],{"type":770,"content":1242},[1243,1252,1261],{"type":773,"content":1244},[1245],{"type":18,"content":1246},[1247,1250],{"text":1114,"type":22,"marks":1248},[1249],{"type":38},{"text":1251,"type":22}," 20",{"type":773,"content":1253},[1254],{"type":18,"content":1255},[1256,1259],{"text":1125,"type":22,"marks":1257},[1258],{"type":38},{"text":1260,"type":22}," $38,400",{"type":773,"content":1262},[1263],{"type":18,"content":1264},[1265,1269],{"text":1266,"type":22,"marks":1267},"Annual Social Security:",[1268],{"type":38},{"text":1270,"type":22}," $15,000 - $25,000",{"type":18,"content":1272},[1273],{"text":1274,"type":22},"With a life expectancy of 85, retiring at 65 with $500k provides a safer annual withdrawal of $38,400. ",{"type":18,"content":1276},[1277],{"text":1278,"type":22},"While the 20-year timeframe eases financial pressure, careful planning is key. ",{"type":18,"content":1280},[1281],{"text":1282,"type":22},"Smart investments, controlled spending, and Social Security benefits — estimated between $15,000 and $25,000 annually — can help protect against unexpected costs, inflation, and rising healthcare expenses.","Can you retire at 65 with $500k?",{"_uid":1285,"text":1286,"title":1324,"component":1152},"cce9a4b6-bcdb-43cd-af71-738a7d65e222",{"type":15,"content":1287},[1288,1316,1320],{"type":770,"content":1289},[1290,1298,1307],{"type":773,"content":1291},[1292],{"type":18,"content":1293},[1294,1297],{"text":1114,"type":22,"marks":1295},[1296],{"type":38},{"text":1251,"type":22},{"type":773,"content":1299},[1300],{"type":18,"content":1301},[1302,1305],{"text":1125,"type":22,"marks":1303},[1304],{"type":38},{"text":1306,"type":22}," $45,600",{"type":773,"content":1308},[1309],{"type":18,"content":1310},[1311,1314],{"text":1266,"type":22,"marks":1312},[1313],{"type":38},{"text":1315,"type":22}," $18,000 - $30,000",{"type":18,"content":1317},[1318],{"text":1319,"type":22},"It is feasible to retire at 70 with $500k. It provides a safe annual withdrawal of $45,600 over a 20-year period, assuming a life expectancy of 85. ",{"type":18,"content":1321},[1322],{"text":1323,"type":22},"The higher withdrawal rate can support a comfortable lifestyle, and combined with full Social Security benefits ranging from $18,000 to $30,000 annually, it provides a solid foundation for meeting expenses.","Can you retire at 70 with $500k?",{"id":34,"alt":34,"name":12,"focus":34,"title":34,"source":34,"filename":12,"copyright":34,"fieldtype":1326,"meta_data":1327},"asset",{},"company-summary-box","white",{"_uid":1331,"body":1332,"image":1361,"title":1366,"cta_link":12,"cta_text":12,"component":1328,"background":1367,"description":12,"cta_description":12},"9f9c552f-86fb-4ec0-ae14-ec8d74785e90",[1333,1356],{"_uid":1334,"data":1335,"component":1097},"c211978a-1663-4183-83cb-ccca0f6f06d5",{"type":15,"content":1336},[1337,1344],{"type":18,"content":1338},[1339],{"text":1340,"type":22,"marks":1341},"\"Securing a comfortable retirement means proactively diversifying your savings through plans like 401(k) and IRAs, carefully timing your social security benefits and considering long-term care planning. ",[1342],{"type":129,"attrs":1343},{"color":12},{"type":18,"content":1345},[1346,1351],{"text":1347,"type":22,"marks":1348},"Regularly reviewing your investment strategy, especially as retirement nears, is vital to balance risk with income needs. Addressing these practical steps early can make a significant difference in achieving the retirement lifestyle you've envisioned.",[1349],{"type":129,"attrs":1350},{"color":12},{"text":1352,"type":22,"marks":1353},"\"",[1354],{"type":129,"attrs":1355},{"color":785},{"_uid":1357,"link":1358,"title":1359,"component":1360},"967b2287-d7e4-4f00-9ad6-9b35a2eca447","https://www.unbiased.com/authors/austin-guest ","Austin Guest, Sales Director ","company-summary-link",{"id":1362,"alt":1363,"name":12,"focus":12,"title":12,"source":12,"filename":1364,"copyright":12,"fieldtype":1326,"meta_data":1365,"is_external_url":543},17307644,"austin-guest-financial-advisor","https://a.storyblok.com/f/185166/1080x1080/ffd9a7e0c7/austin-guest.png",{"alt":1363,"title":12,"source":12,"copyright":12},"From our expert: The importance of effective retirement planning ","surface_background_secondary",{"_uid":1369,"data":1370,"component":841},"281b159d-5441-48f2-b6dc-1dc92716fefc",{"type":15,"content":1371},[1372,1377,1382,1387,1392,1397,1402,1447,1452,1457,1470,1475,1480,1485,1515,1520,1525,1540,1545,1550,1555,1608,1625,1630,1635,1640,1647],{"type":763,"attrs":1373,"content":1374},{"level":765,"textAlign":34},[1375],{"text":1376,"type":22},"Is $500k enough to retire?",{"type":18,"attrs":1378,"content":1379},{"textAlign":34},[1380],{"text":1381,"type":22},"Yes, retiring comfortably with $500,000 is achievable. This amount can support an annual withdrawal of up to $34,000, covering a 25-year period from age 60 to 85. ",{"type":18,"attrs":1383,"content":1384},{"textAlign":34},[1385],{"text":1386,"type":22},"If your lifestyle can be maintained at $30,000 per year or about $2,500 per month, then $500,000 should be sufficient for a secure retirement.",{"type":763,"attrs":1388,"content":1389},{"level":765,"textAlign":34},[1390],{"text":1391,"type":22},"How to retire on $500,000?",{"type":18,"attrs":1393,"content":1394},{"textAlign":34},[1395],{"text":1396,"type":22},"If you want to retire and have $500,000 in savings, you will need to embark on some strategic planning and financial management before you take the leap.",{"type":18,"attrs":1398,"content":1399},{"textAlign":34},[1400],{"text":1401,"type":22},"Here are some key things to consider:",{"type":770,"content":1403},[1404,1415,1426,1436],{"type":773,"content":1405},[1406],{"type":18,"attrs":1407,"content":1408},{"textAlign":34},[1409,1413],{"text":1410,"type":22,"marks":1411},"Budgeting:",[1412],{"type":38},{"text":1414,"type":22}," Outline your projected annual income and your expected expenses. This will show you how far your $500,000 will need to stretch. When outlining your yearly income, you need to work out how much you plan to withdraw from your retirement accounts each year. Many people opt for the 4% rule – withdrawing 4% of your retirement savings annually, adjusted for inflation.",{"type":773,"content":1416},[1417],{"type":18,"attrs":1418,"content":1419},{"textAlign":34},[1420,1424],{"text":1421,"type":22,"marks":1422},"Additional income:",[1423],{"type":38},{"text":1425,"type":22}," If your budget is leaning more red than green, then you’ll need to think of how you’ll support yourself. This could mean a part-time job, some wise investing, or even downsizing to an area with a lower cost of living.",{"type":773,"content":1427},[1428],{"type":18,"attrs":1429,"content":1430},{"textAlign":34},[1431,1434],{"text":1136,"type":22,"marks":1432},[1433],{"type":38},{"text":1435,"type":22}," If you’re eligible, you won’t be able to claim Social Security until age 62. Even still, this will be at a reduced rate until you reach full retirement age. You need to weigh up your options and decide if short-term financial gain is worth missing out on down the line.",{"type":773,"content":1437},[1438],{"type":18,"attrs":1439,"content":1440},{"textAlign":34},[1441,1445],{"text":1442,"type":22,"marks":1443},"Unexpected expenses:",[1444],{"type":38},{"text":1446,"type":22}," Without a crystal ball, no one can predict the future, so unexpected expenses are likely. You need to ensure you have a safety net to cover you financially.",{"type":18,"attrs":1448,"content":1449},{"textAlign":34},[1450],{"text":1451,"type":22},"By developing a robust retirement plan before you say goodbye to the 9-5 will ensure you have enough money to last throughout retirement.",{"type":763,"attrs":1453,"content":1454},{"level":765,"textAlign":34},[1455],{"text":1456,"type":22},"What are the income taxes applicable to retirees with $500k? ",{"type":18,"attrs":1458,"content":1459},{"textAlign":34},[1460,1462,1468],{"text":1461,"type":22},"When working through your ",{"text":1463,"type":22,"marks":1464},"later-life checklist",[1465],{"type":31,"attrs":1466},{"href":1467,"uuid":34,"anchor":34,"target":1064,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/later-life-checklist",{"text":1469,"type":22}," and financially preparing for retirement, you must consider how taxes will factor in.",{"type":18,"attrs":1471,"content":1472},{"textAlign":34},[1473],{"text":1474,"type":22},"You’ll need to know how much they will reduce your final amount of accessible, usable income.",{"type":18,"attrs":1476,"content":1477},{"textAlign":34},[1478],{"text":1479,"type":22},"With $500,000 in savings, your bill likely won’t be extortionate – especially if you plan to spread withdrawals across 20 years or more.",{"type":18,"attrs":1481,"content":1482},{"textAlign":34},[1483],{"text":1484,"type":22},"Ultimately, your tax liability will come down to: ",{"type":770,"content":1486},[1487,1494,1501,1508],{"type":773,"content":1488},[1489],{"type":18,"attrs":1490,"content":1491},{"textAlign":34},[1492],{"text":1493,"type":22},"Your filing status (single filer, head of household, married filing jointly, etc.) ",{"type":773,"content":1495},[1496],{"type":18,"attrs":1497,"content":1498},{"textAlign":34},[1499],{"text":1500,"type":22},"Where you live (different states have different tax rules). ",{"type":773,"content":1502},[1503],{"type":18,"attrs":1504,"content":1505},{"textAlign":34},[1506],{"text":1507,"type":22},"Where your retirement income is from (different sources have different tax rules). ",{"type":773,"content":1509},[1510],{"type":18,"attrs":1511,"content":1512},{"textAlign":34},[1513],{"text":1514,"type":22},"Your total amount of annual income. ",{"type":18,"attrs":1516,"content":1517},{"textAlign":34},[1518],{"text":1519,"type":22},"Regarding the impact of your income source, if you have a traditional pre-tax IRA (Individual Retirement Account), your distributions will be levied for tax at the point of withdrawal.",{"type":18,"attrs":1521,"content":1522},{"textAlign":34},[1523],{"text":1524,"type":22},"However, if you have an after-tax Roth IRA, you’ll already have paid that tax when the money entered the account and can withdraw it tax-free.  ",{"type":18,"attrs":1526,"content":1527},{"textAlign":34},[1528,1530,1538],{"text":1529,"type":22},"Creating a Roth IRA can make a big difference in your retirement savings. Use our ",{"text":250,"type":22,"marks":1531},[1532],{"type":31,"attrs":1533},{"href":254,"uuid":255,"anchor":34,"target":35,"linktype":74,"story":1534},{"name":1535,"id":1536,"uuid":255,"slug":1535,"url":1537,"full_slug":1537,"_stopResolving":558},"roth-ira-calculator",505365705,"discover/retirement/roth-ira-calculator",{"text":1539,"type":22}," to see how your savings could grow.",{"type":763,"attrs":1541,"content":1542},{"level":765,"textAlign":34},[1543],{"text":1544,"type":22},"3 ways to increase your retirement savings",{"type":18,"attrs":1546,"content":1547},{"textAlign":34},[1548],{"text":1549,"type":22},"You may now want to figure out how to increase your savings, growing that $500,000 to $600,000 or more to give yourself some additional breathing room.",{"type":18,"attrs":1551,"content":1552},{"textAlign":34},[1553],{"text":1554,"type":22},"Experts often recommend the following: ",{"type":1556,"attrs":1557,"content":1559},"ordered_list",{"order":1558},1,[1560,1571,1597],{"type":773,"content":1561},[1562],{"type":18,"attrs":1563,"content":1564},{"textAlign":34},[1565,1569],{"text":1566,"type":22,"marks":1567},"Adjust your monthly budget and save where possible: ",[1568],{"type":38},{"text":1570,"type":22},"Try to avoid regularly spending money on unnecessary things that matter less to you, in the grand scheme of things, than a happy, comfortable retirement. Set achievable lifestyle and financial goals with proper consideration of your future self. Cut back where you can, and redirect that money where it can be better used. ",{"type":773,"content":1572},[1573],{"type":18,"attrs":1574,"content":1575},{"textAlign":34},[1576,1580,1582,1588,1590,1595],{"text":1577,"type":22,"marks":1578},"Build a varied portfolio of investments and get expert advice: ",[1579],{"type":38},{"text":1581,"type":22},"A solid and stable ",{"text":1583,"type":22,"marks":1584},"investment portfolio",[1585],{"type":31,"attrs":1586},{"href":1587,"uuid":34,"anchor":34,"target":1064,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/what-is-an-investment-portfolio",{"text":1589,"type":22}," comprising several types of securities could be very helpful to you, significantly boosting your savings and improving your retirement. If you don’t know where to begin, ",{"text":1591,"type":22,"marks":1592},"speak with an expert financial advisor",[1593],{"type":31,"attrs":1594},{"href":55,"uuid":34,"anchor":34,"target":1064,"linktype":36},{"text":1596,"type":22}," to get started on your journey into investing.  ",{"type":773,"content":1598},[1599],{"type":18,"attrs":1600,"content":1601},{"textAlign":34},[1602,1606],{"text":1603,"type":22,"marks":1604},"Find the right retirement products: ",[1605],{"type":38},{"text":1607,"type":22},"Many different savings accounts and products are available that can be helpful to you as a retiree. Annuities, for example, convert your savings into a guaranteed monthly income for a given period. This period could be the rest of your life if you purchase an annuity with a lifetime income rider.  ",{"type":18,"attrs":1609,"content":1610},{"textAlign":34},[1611,1615],{"text":1612,"type":22,"marks":1613},"Learn more: ",[1614],{"type":38},{"text":1616,"type":22,"marks":1617},"Who are the top financial advisor firms in the US?",[1618],{"type":31,"attrs":1619},{"href":113,"uuid":114,"anchor":34,"target":35,"linktype":74,"story":1620},{"name":1621,"id":1622,"uuid":114,"slug":1623,"url":1624,"full_slug":1624,"_stopResolving":558},"Best financial advisor",421857024,"best-financial-advisor","discover/financial-advice/best-financial-advisor",{"type":763,"attrs":1626,"content":1627},{"level":765,"textAlign":34},[1628],{"text":1629,"type":22},"Get expert retirement advice",{"type":18,"attrs":1631,"content":1632},{"textAlign":34},[1633],{"text":1634,"type":22},"If you’ve managed to save $500k for retirement, this is a viable savings for your post-work life.  ",{"type":18,"attrs":1636,"content":1637},{"textAlign":34},[1638],{"text":1639,"type":22},"This will guarantee you a valuable degree of security and comfort in your later years, and it’s a figure many will never reach.",{"type":18,"attrs":1641,"content":1642},{"textAlign":34},[1643],{"text":1644,"type":22,"marks":1645},"For retirement planning advice and investment guidance, connecting with an experienced financial advisor is highly recommended. They can guide you through the daunting world of retirement planning and help you succeed. ",[1646],{"type":38},{"type":18,"attrs":1648,"content":1649},{"textAlign":34},[1650,1656,1660],{"text":1651,"type":22,"marks":1652},"Get started with Unbiased and find the right advisor for you",[1653,1655],{"type":31,"attrs":1654},{"href":55,"uuid":34,"anchor":34,"target":1064,"linktype":36},{"type":38},{"text":1657,"type":22,"marks":1658},". ",[1659],{"type":38},{"text":1661,"type":22}," ",{"_uid":1663,"text":1664,"component":1665},"67693910-545d-49e5-ab9f-1c93729d1d70","Frequently asked questions","article-subheading",{"_uid":1667,"component":1668,"accordions":1669},"2a5a391b-35b7-490c-8f5e-928e338d4a33","app-accordion-group",[1670,1679,1688],{"_uid":1671,"text":1672,"title":1071,"component":1678},"03332389-a506-4988-ab29-746136fd0bae",{"type":15,"content":1673},[1674],{"type":18,"content":1675},[1676],{"text":1677,"type":22},"In general, retiring at the age of 60 with a savings of $500,000 is possible, but the resulting income may be insufficient for one's lifestyle or financial requirements. Nevertheless, there are individuals who can successfully retire with a lower amount.","app-accordion",{"_uid":1680,"text":1681,"title":1687,"component":1678},"9dfcfdf9-7920-445b-8158-2d4013a5f9f3",{"type":15,"content":1682},[1683],{"type":18,"content":1684},[1685],{"text":1686,"type":22},"With a $500,000 nest egg, you could generate a sustainable income stream of $20,000 in retirement.","How much retirement income does $500k generate?",{"_uid":1689,"text":1690,"title":1700,"component":1678},"ccbfdc1d-2eef-4f11-9b59-bc80a63cbd13",{"type":15,"content":1691},[1692],{"type":18,"content":1693},[1694],{"text":1695,"type":22,"marks":1696},"A general guideline suggests that you should aim for 70% of your annual pre-retirement salary to maintain a comfortable lifestyle. This could be sufficient if you've cleared your mortgage and enjoy good health as you bid farewell to the workplace.",[1697],{"type":129,"attrs":1698},{"color":1699},"rgb(74, 91, 107)","How much do I need to retire if my house is paid off?",[1702],{"_uid":1703,"image":1704,"title":1708,"component":1731,"breadcrumbs":558,"hideHeroImage":558},"a928b922-4702-42b2-b2a1-c491baccfd4c",{"id":1705,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1706,"copyright":12,"fieldtype":1326,"meta_data":1707,"is_external_url":543},12310111,"https://a.storyblok.com/f/185166/3604x2402/3e6f49b1a7/retire-on-500k.webp",{},{"type":15,"content":1709},[1710],{"type":18,"attrs":1711,"content":1712},{"textAlign":34},[1713,1718,1726],{"text":1714,"type":22,"marks":1715},"Can you",[1716],{"type":129,"attrs":1717},{"color":12},{"text":1719,"type":22,"marks":1720}," retire on $500k",[1721,1723],{"type":129,"attrs":1722},{"color":12},{"type":25,"attrs":1724},{"class":1725},"primary-gradient",{"text":1727,"type":22,"marks":1728},"? ",[1729],{"type":129,"attrs":1730},{"color":12},"app-hero",{"name":1733,"created_at":1734,"published_at":1735,"updated_at":1736,"id":1737,"uuid":1738,"content":1739,"slug":1749,"full_slug":1750,"sort_by_date":34,"position":1751,"tag_list":1752,"is_startpage":543,"parent_id":1753,"meta_data":34,"group_id":1754,"first_published_at":1755,"release_id":34,"lang":730,"path":34,"alternates":1756,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1740,"_uid":1741,"name":1733,"image":1742,"component":1745,"education":1746,"expertise":1747,"description":1748},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1743,"alt":12,"name":12,"focus":12,"title":12,"filename":1744,"copyright":12,"fieldtype":1326,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"c177e664-64ab-4db3-8e8b-e9aed23b38c3",[1759,1770],{"_uid":1760,"list":1761,"cta_link":55,"cta_text":1762,"component":1763,"window_label":12,"window_title":1764},"f56cda6b-7b9b-421e-9827-573ef20b7d3b","A financial advisor can build a retirement plan tailored to you.\nOver 10 million people have found trusted financial advice with Unbiased.","Match with a financial advisor","app-banner",{"type":15,"content":1765},[1766],{"type":18,"content":1767},[1768],{"text":1769,"type":22},"Looking to retire on $500k?",{"_uid":1771,"body":1772,"title":1788,"component":1789},"faaa8243-04c1-43fd-8333-4740ecbba581",[1773,1777,1781,1785],{"_uid":1774,"href":1775,"text":1776,"component":542,"openInNewWindow":558},"7581cd50-d75a-4f46-802e-b3bb2220c43a","https://www.unbiased.com/discover/retirement/can-you-retire-on-600k","Can you retire on $600k?",{"_uid":1778,"href":1779,"text":1780,"component":542,"openInNewWindow":558},"2172bc11-f53d-46ac-9cbc-b7b363905a13","https://www.unbiased.com/discover/retirement/retire-on-700k","Can you retire on $700k?",{"_uid":1782,"href":1783,"text":1784,"component":542,"openInNewWindow":558},"e5793a6c-68b5-4531-999d-3042e69a20cf","https://www.unbiased.com/discover/retirement/retiring-with-800k","Can you retire on $800k?",{"_uid":1786,"href":1787,"text":237,"component":542,"openInNewWindow":558},"4f4bf1ac-bb05-4c1b-b390-1b39a62c0eff","https://www.unbiased.com/discover/retirement/retirement-calculator","Related to this article","app-links-list",{"title":1791,"plugin":1792,"og_image":12,"og_title":12,"description":1793,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Can you retire with 500k? [2026] ","seo_metatags","Can you retire on $500K? Learn how long $500K will last in retirement, whether you can retire with $500K plus Social Security, and the best age to retire with half a million dollars. ","app-article","2025-10-30 00:00","4",[],[],"Explore whether $500,000 is enough to retire, how long it will last, and at what age you can make it happen.",[],"can-you-retire-on-500k","discover/retirement/can-you-retire-on-500k",-240,[],365223437,"10cc3484-e578-4e70-b419-7b5d8f3905b4","2023-09-29T17:13:44.476Z",[],{"left":727,"top":727,"width":1810,"height":1810,"rotate":727,"vFlip":543,"hFlip":543,"body":1811},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1813},"\u003Cpath fill=\"currentColor\" d=\"m184.49 136.49l-80 80a12 12 0 0 1-17-17L159 128L87.51 56.49a12 12 0 1 1 17-17l80 80a12 12 0 0 1-.02 17\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1815},"\u003Cpath fill=\"currentColor\" d=\"M128 24a104 104 0 1 0 104 104A104.11 104.11 0 0 0 128 24m0 168a12 12 0 1 1 12-12a12 12 0 0 1-12 12m8-48.72v.72a8 8 0 0 1-16 0v-8a8 8 0 0 1 8-8c13.23 0 24-9 24-20s-10.77-20-24-20s-24 9-24 20v4a8 8 0 0 1-16 0v-4c0-19.85 17.94-36 40-36s40 16.15 40 36c0 17.38-13.76 31.93-32 35.28\"/>",{"left":727,"top":727,"width":1810,"height":1810,"rotate":727,"vFlip":543,"hFlip":543,"body":1817},"\u003Cpath fill=\"currentColor\" d=\"M12.71 17.29a1 1 0 0 0-.16-.12a.6.6 0 0 0-.17-.09a.6.6 0 0 0-.19-.06a.93.93 0 0 0-.57.06a.9.9 0 0 0-.54.54a.84.84 0 0 0-.08.38a1 1 0 0 0 .07.38a1.5 1.5 0 0 0 .22.33A1 1 0 0 0 12 19a.84.84 0 0 0 .38-.08a1.2 1.2 0 0 0 .33-.21A1 1 0 0 0 13 18a1 1 0 0 0-.08-.38a1 1 0 0 0-.21-.33m-4.16-4.12a.6.6 0 0 0-.17-.09a.6.6 0 0 0-.19-.08a.86.86 0 0 0-.39 0l-.18.06l-.18.09l-.15.12A1.05 1.05 0 0 0 7 14a1 1 0 0 0 .29.71a1.2 1.2 0 0 0 .33.21A1 1 0 0 0 9 14a1.05 1.05 0 0 0-.29-.71Zm.16 4.12a1 1 0 0 0-.33-.21A1 1 0 0 0 7.8 17l-.18.06a.8.8 0 0 0-.18.09a2 2 0 0 0-.15.12a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33A1 1 0 0 0 8 19a.84.84 0 0 0 .38-.08a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33m2.91-4.21a1 1 0 0 0-.33.21A1.05 1.05 0 0 0 11 14a1 1 0 0 0 1.38.92a1.2 1.2 0 0 0 .33-.21A1 1 0 0 0 13 14a1.05 1.05 0 0 0-.29-.71a1 1 0 0 0-1.09-.21m5.09 4.21a1.2 1.2 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33A1 1 0 0 0 16 19a.84.84 0 0 0 .38-.08a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M16 5H8a1 1 0 0 0-1 1v4a1 1 0 0 0 1 1h8a1 1 0 0 0 1-1V6a1 1 0 0 0-1-1m-1 4H9V7h6Zm3-8H6a3 3 0 0 0-3 3v16a3 3 0 0 0 3 3h12a3 3 0 0 0 3-3V4a3 3 0 0 0-3-3m1 19a1 1 0 0 1-1 1H6a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1Zm-2.45-6.83a.6.6 0 0 0-.17-.09a.6.6 0 0 0-.19-.06a.86.86 0 0 0-.39 0l-.18.06l-.18.09l-.15.12A1.05 1.05 0 0 0 15 14a1 1 0 0 0 1.38.92a1.2 1.2 0 0 0 .33-.21A1 1 0 0 0 17 14a1.05 1.05 0 0 0-.29-.71Z\"/>",[1819,1822,1823],{"title":1820,"exact":558,"href":1821},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":201,"disabled":558},{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1825},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540579467]