Can I retire at age 51 with 552,000?

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 $552,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$45,584$45,178$44,781$44,395$44,017$43,093
2 years$22,566$22,146$21,739$21,344$20,961$20,034
3 years$14,895$14,473$14,066$13,675$13,298$12,398
4 years$11,060$10,639$10,237$9,852$9,484$8,618
5 years$8,759$8,341$7,944$7,567$7,210$6,379
6 years$7,226$6,811$6,420$6,052$5,705$4,910
7 years$6,132$5,720$5,335$4,975$4,640$3,882
8 years$5,311$4,903$4,525$4,174$3,849$3,128
9 years$4,673$4,269$3,897$3,555$3,241$2,556
10 years$4,163$3,763$3,397$3,065$2,762$2,112
11 years$3,746$3,350$2,991$2,667$2,375$1,760
12 years$3,399$3,007$2,655$2,339$2,058$1,477
13 years$3,105$2,717$2,372$2,065$1,795$1,246
14 years$2,854$2,470$2,131$1,833$1,573$1,056
15 years$2,636$2,256$1,924$1,635$1,385$898
16 years$2,446$2,070$1,744$1,464$1,224$767
17 years$2,278$1,906$1,587$1,315$1,086$656
18 years$2,129$1,762$1,449$1,185$965$562
19 years$1,996$1,633$1,326$1,071$860$483
20 years$1,876$1,517$1,217$970$769$416
21 years$1,768$1,413$1,120$880$688$358
22 years$1,670$1,319$1,032$801$616$309
23 years$1,580$1,234$953$729$553$267
24 years$1,498$1,156$881$665$497$231
25 years$1,423$1,085$816$607$448$199
26 years$1,354$1,020$757$555$403$173
27 years$1,290$960$703$508$363$149
28 years$1,230$904$653$466$328$129
29 years$1,175$853$608$427$296$112
30 years$1,124$806$566$392$268$97
31 years$1,076$761$528$360$242$84
32 years$1,031$721$493$331$219$73
33 years$989$682$460$304$198$63
34 years$949$647$430$280$179$55
35 years$912$613$402$258$162$48
36 years$877$582$376$237$147$41
37 years$844$553$352$219$133$36
38 years$812$526$330$202$121$31
39 years$783$500$309$186$110$27
40 years$755$475$289$171$99$24
41 years$728$453$271$158$90$20
42 years$703$431$255$146$82$18
43 years$679$411$239$135$74$15
44 years$656$391$224$124$67$13
45 years$634$373$210$115$61$12
46 years$613$356$198$106$56$10
47 years$593$340$186$98$50$9
48 years$574$324$175$91$46$8
49 years$556$310$164$84$42$7
50 years$539$296$154$77$38$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $552,000, adding $4,009 every year, while hoping to spend $36,174 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: 41/45/14 Blend
50$552,000$552,000$552,000$552,000
51$612,439$583,183$574,627$634,863
52$636,419$573,270$555,388$641,157
53$661,633$561,659$534,293$644,099
54$688,167$548,229$511,240$646,498
55$716,119$532,850$486,124$648,322
56$745,590$515,387$458,837$649,538
57$776,696$495,696$429,263$650,112
58$809,558$473,625$397,283$650,010
59$844,312$449,011$362,771$649,201
60$881,104$421,685$325,596$647,649
61$920,095$391,467$285,622$645,324
62$961,461$358,165$242,706$642,194
63$1,005,393$321,577$196,700$638,229
64$1,052,100$281,492$147,447$633,401
65$1,101,813$237,683$94,784$627,683
66$1,154,781$189,914$38,544$621,053
67$1,211,281$137,932$0$613,490
68$1,271,614$81,472$0$608,187
69$1,336,109$20,255$0$608,277
70$1,405,128$0$0$608,022
71$1,479,068$0$0$630,239
72$1,558,365$0$0$664,868
73$1,643,496$0$0$702,096
74$1,734,985$0$0$742,158
75$1,833,406$0$0$785,312
76$1,939,393$0$0$831,843
77$2,053,638$0$0$882,062
78$2,176,904$0$0$936,313
79$2,310,027$0$0$994,972
80$2,453,928$0$0$1,058,454
81$2,609,617$0$0$1,127,213
82$2,778,207$0$0$1,201,752
83$2,960,918$0$0$1,282,619
84$3,159,095$0$0$1,370,421
85$3,374,215$0$0$1,465,824
86$3,607,904$0$0$1,569,560
87$3,861,949$0$0$1,682,434
88$4,138,316$0$0$1,805,335
89$4,439,170$0$0$1,939,237
90$4,766,892$0$0$2,085,214
91$5,124,102$0$0$2,244,449
92$5,513,683$0$0$2,418,242
93$5,938,809$0$0$2,608,024
94$6,402,974$0$0$2,815,373
95$6,910,024$0$0$3,042,023
96$7,464,192$0$0$3,289,886
97$8,070,140$0$0$3,561,064
98$8,733,000$0$0$3,857,873
99$9,458,421$0$0$4,182,866
100$10,252,628$0$0$4,538,849