Can I retire on $250,000?

It depends on your other income sources. $250k alone is insufficient for most US retirements, but combined with Social Security (~$1,800/month average), you'd have $10,000/year (4% rule) + $21,600 = $31,600/year - manageable in low-cost areas. Delaying Social Security to maximize benefits helps significantly.

How long will $250,000 last at 60 years old?

At 60, you're likely 2 years from Social Security eligibility. If expenses are $4,000/month, $250k lasts 62 months standalone. Once Social Security kicks in (age 62+), $250k becomes supplemental income lasting potentially 15-25+ years depending on draw rate.

Is $250,000 enough to retire early?

For traditional early retirement (age 50-55) in the US, $250k is typically not enough alone. You'd need $40-60k/year for 30+ years. However, for "barista FIRE" (part-time work + savings), $250k providing $10k/year + $25k part-time income = $35k/year, which can work.

How should I invest $250,000 for retirement?

Asset allocation depends on your timeline. 5-10 years out: 60% stocks, 40% bonds. 10+ years: 80% stocks, 20% bonds. Keep 1-2 years expenses in high-yield savings. Use tax-advantaged accounts (401k, IRA, HSA) first. Low-cost index funds are ideal.

Amount Calculator$250,000

How Long Will $250,000 Last?

$250,000 represents serious financial security and can support early retirement planning. At $5,000/month expenses, $250k lasts about 4 years without any returns. With modest investment returns (5%), this extends to 5+ years. Combined with Social Security or part-time income, $250k can provide decades of support.