Can I retire at age 52 with 480,000?

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 $480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$39,638$39,285$38,940$38,604$38,276$37,366
2 years$19,623$19,257$18,903$18,560$18,227$17,315
3 years$12,952$12,585$12,232$11,891$11,564$10,679
4 years$9,617$9,251$8,901$8,567$8,247$7,397
5 years$7,617$7,253$6,908$6,580$6,269$5,455
6 years$6,284$5,923$5,583$5,262$4,961$4,183
7 years$5,332$4,974$4,639$4,326$4,034$3,294
8 years$4,618$4,264$3,934$3,629$3,347$2,643
9 years$4,064$3,712$3,389$3,091$2,819$2,151
10 years$3,620$3,272$2,954$2,665$2,402$1,770
11 years$3,257$2,913$2,601$2,319$2,065$1,468
12 years$2,955$2,614$2,308$2,034$1,790$1,226
13 years$2,700$2,363$2,062$1,796$1,561$1,030
14 years$2,481$2,148$1,853$1,594$1,368$869
15 years$2,292$1,962$1,673$1,422$1,205$735
16 years$2,127$1,800$1,517$1,273$1,065$624
17 years$1,981$1,658$1,380$1,144$944$532
18 years$1,851$1,532$1,260$1,031$839$453
19 years$1,735$1,420$1,153$931$748$388
20 years$1,631$1,319$1,059$844$668$332
21 years$1,537$1,229$974$766$598$284
22 years$1,452$1,147$897$696$536$244
23 years$1,374$1,073$829$634$481$209
24 years$1,303$1,005$766$578$433$180
25 years$1,238$943$710$528$389$155
26 years$1,177$887$658$483$351$133
27 years$1,121$834$611$442$316$115
28 years$1,070$786$568$405$285$99
29 years$1,022$742$529$371$258$85
30 years$977$700$493$341$233$73
31 years$935$662$459$313$210$63
32 years$896$627$428$288$190$55
33 years$860$593$400$265$172$47
34 years$825$562$374$243$156$41
35 years$793$533$349$224$141$35
36 years$762$506$327$206$128$30
37 years$734$481$306$190$116$26
38 years$706$457$287$175$105$22
39 years$681$435$268$162$95$19
40 years$656$413$252$149$86$17
41 years$633$394$236$137$78$14
42 years$611$375$221$127$71$12
43 years$590$357$208$117$65$11
44 years$570$340$195$108$59$9
45 years$551$325$183$100$53$8
46 years$533$310$172$92$48$7
47 years$516$295$162$85$44$6
48 years$500$282$152$79$40$5
49 years$484$269$143$73$36$4
50 years$469$257$134$67$33$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $480,000, adding $2,356 every year, while hoping to spend $23,676 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: 72/8/20 Blend
51$480,000$480,000$480,000$480,000
52$531,390$505,950$498,510$566,923
53$560,401$505,551$490,019$590,475
54$591,577$504,338$480,450$613,198
55$625,115$502,248$469,742$637,489
56$661,229$499,210$457,831$663,497
57$700,156$495,153$444,650$691,392
58$742,156$489,999$430,129$721,357
59$787,512$483,666$414,195$753,598
60$836,540$476,066$396,772$788,339
61$889,582$467,109$377,779$825,830
62$947,017$456,695$357,132$866,346
63$1,009,262$444,722$334,745$910,189
64$1,076,773$431,080$310,526$957,696
65$1,150,055$415,654$284,380$1,009,235
66$1,229,660$398,321$256,206$1,065,216
67$1,316,197$378,950$225,901$1,126,088
68$1,410,337$357,406$193,356$1,192,349
69$1,512,814$333,542$158,456$1,264,549
70$1,624,441$307,206$121,085$1,343,293
71$1,746,110$278,235$81,117$1,429,251
72$1,878,802$246,457$38,423$1,523,159
73$2,023,599$211,692$0$1,625,833
74$2,181,689$173,748$0$1,739,694
75$2,354,382$132,422$0$1,873,061
76$2,543,120$87,502$0$2,018,851
77$2,749,489$38,761$0$2,178,304
78$2,975,239$0$0$2,352,787
79$3,222,291$0$0$2,545,040
80$3,492,766$0$0$2,759,278
81$3,788,996$0$0$2,993,940
82$4,113,550$0$0$3,251,064
83$4,469,258$0$0$3,532,894
84$4,859,236$0$0$3,841,903
85$5,286,917$0$0$4,180,813
86$5,756,080$0$0$4,552,624
87$6,270,890$0$0$4,960,639
88$6,835,933$0$0$5,408,495
89$7,456,260$0$0$5,900,203
90$8,137,437$0$0$6,440,175
91$8,885,595$0$0$7,033,277
92$9,707,486$0$0$7,684,866
93$10,610,550$0$0$8,400,843
94$11,602,983$0$0$9,187,712
95$12,693,814$0$0$10,052,637
96$13,892,990$0$0$11,003,508
97$15,211,471$0$0$12,049,022
98$16,661,332$0$0$13,198,758
99$18,255,874$0$0$14,463,270
100$20,009,755$0$0$15,854,186