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I Have $500,000. Can I Afford to Retire?

Whether you can retire with $500,000 or not depends heavily on your spending and what other income sources you may have.

I Have $500,000. Can I Afford to Retire?

Published July 13, 2026 · Category: Finance

Overview

Many Americans don't have a substantial amount of retirement savings. In fact, Vanguard's 2026 How America Saves report shows that the average account balance among 55- to 64-year-olds is $305,006, and the average balance among those 65 and over is $330,186. These are averages. Median balances are lower, at $107,269 for those 55 to 64, and $103,202 for those 65 and over.

If you have $500,000 invested for retirement, you have more than the median or average invested. But does that mean you are ready to retire? Is $500,000 enough, or will you find yourself struggling in your later years?

Image source: Getty Images.

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Originally published at www.fool.com.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.