Can I retire at age 52 with 479,000?

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 $479,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$39,555$39,203$38,859$38,524$38,196$38,003
2 years$19,582$19,217$18,864$18,521$18,189$17,994
3 years$12,925$12,559$12,206$11,867$11,540$11,349
4 years$9,597$9,232$8,883$8,549$8,230$8,045
5 years$7,601$7,238$6,893$6,567$6,256$6,078
6 years$6,271$5,910$5,571$5,251$4,951$4,779
7 years$5,321$4,963$4,630$4,317$4,026$3,861
8 years$4,609$4,255$3,926$3,622$3,340$3,181
9 years$4,055$3,704$3,382$3,085$2,813$2,661
10 years$3,612$3,265$2,948$2,659$2,397$2,251
11 years$3,251$2,907$2,596$2,314$2,061$1,922
12 years$2,949$2,609$2,303$2,030$1,786$1,653
13 years$2,694$2,358$2,058$1,792$1,558$1,431
14 years$2,476$2,143$1,849$1,591$1,365$1,244
15 years$2,287$1,958$1,670$1,419$1,202$1,087
16 years$2,122$1,796$1,514$1,270$1,062$953
17 years$1,977$1,654$1,377$1,141$942$838
18 years$1,847$1,529$1,257$1,029$838$739
19 years$1,732$1,417$1,151$929$747$653
20 years$1,628$1,317$1,056$842$667$578
21 years$1,534$1,226$972$764$597$513
22 years$1,449$1,145$896$695$535$456
23 years$1,371$1,071$827$633$480$406
24 years$1,300$1,003$765$577$432$361
25 years$1,235$941$708$527$388$322
26 years$1,175$885$657$482$350$288
27 years$1,119$833$610$441$315$257
28 years$1,068$785$567$404$285$230
29 years$1,020$740$528$371$257$205
30 years$975$699$492$340$232$184
31 years$933$661$458$312$210$165
32 years$894$625$428$287$190$147
33 years$858$592$399$264$172$132
34 years$823$561$373$243$156$118
35 years$791$532$349$224$141$106
36 years$761$505$326$206$128$95
37 years$732$480$305$190$116$85
38 years$705$456$286$175$105$77
39 years$679$434$268$161$95$69
40 years$655$413$251$149$86$62
41 years$632$393$235$137$78$56
42 years$610$374$221$127$71$50
43 years$589$356$207$117$64$45
44 years$569$340$195$108$59$40
45 years$550$324$183$100$53$36
46 years$532$309$172$92$48$32
47 years$515$295$161$85$44$29
48 years$498$282$151$79$40$26
49 years$483$269$142$73$36$24
50 years$468$257$134$67$33$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $479,000, adding $6,242 every year, while hoping to spend $31,811 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: 61/16/23 Blend
51$479,000$479,000$479,000$479,000
52$534,297$508,910$501,485$563,285
53$554,948$500,000$484,438$574,753
54$576,640$489,587$465,754$583,228
55$599,445$477,564$445,344$591,774
56$623,441$463,818$423,116$600,402
57$648,715$448,227$398,974$609,128
58$675,360$430,667$372,815$617,967
59$703,478$411,000$344,535$626,942
60$733,179$389,086$314,024$636,077
61$764,585$364,773$281,166$645,401
62$797,828$337,902$245,840$654,947
63$833,053$308,306$207,922$664,754
64$870,417$275,805$167,280$674,868
65$910,092$240,212$123,776$685,340
66$952,267$201,328$77,269$696,230
67$997,148$158,943$27,607$707,606
68$1,044,962$112,836$0$719,545
69$1,095,955$62,771$0$738,367
70$1,150,397$8,503$0$765,575
71$1,208,587$0$0$794,545
72$1,270,848$0$0$834,291
73$1,337,539$0$0$878,491
74$1,409,049$0$0$925,912
75$1,485,809$0$0$976,841
76$1,568,288$0$0$1,031,594
77$1,657,005$0$0$1,090,518
78$1,752,526$0$0$1,153,993
79$1,855,476$0$0$1,222,439
80$1,966,538$0$0$1,296,315
81$2,086,466$0$0$1,376,125
82$2,216,085$0$0$1,462,425
83$2,356,305$0$0$1,555,825
84$2,508,124$0$0$1,656,994
85$2,672,640$0$0$1,766,671
86$2,851,060$0$0$1,885,666
87$3,044,712$0$0$2,014,870
88$3,255,056$0$0$2,155,265
89$3,483,699$0$0$2,307,928
90$3,732,406$0$0$2,474,047
91$4,003,123$0$0$2,654,928
92$4,297,989$0$0$2,852,007
93$4,619,357$0$0$3,066,865
94$4,969,819$0$0$3,301,244
95$5,352,225$0$0$3,557,059
96$5,769,714$0$0$3,836,418
97$6,225,741$0$0$4,141,642
98$6,724,110$0$0$4,475,288
99$7,269,007$0$0$4,840,168
100$7,865,044$0$0$5,239,380