Can I retire at age 52 with 483,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $483,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$39,886$39,530$39,184$38,845$38,515$38,256
2 years$19,745$19,378$19,021$18,676$18,341$18,080
3 years$13,033$12,664$12,308$11,966$11,636$11,381
4 years$9,677$9,309$8,957$8,621$8,299$8,052
5 years$7,664$7,298$6,951$6,621$6,309$6,070
6 years$6,323$5,960$5,617$5,295$4,992$4,762
7 years$5,365$5,005$4,668$4,354$4,060$3,839
8 years$4,647$4,290$3,959$3,652$3,368$3,156
9 years$4,089$3,735$3,410$3,111$2,836$2,633
10 years$3,643$3,293$2,973$2,681$2,417$2,223
11 years$3,278$2,931$2,617$2,334$2,078$1,893
12 years$2,974$2,631$2,323$2,047$1,801$1,624
13 years$2,717$2,378$2,075$1,807$1,571$1,402
14 years$2,497$2,161$1,865$1,604$1,377$1,216
15 years$2,306$1,974$1,683$1,431$1,212$1,060
16 years$2,140$1,811$1,526$1,281$1,071$927
17 years$1,993$1,668$1,389$1,151$950$813
18 years$1,863$1,541$1,268$1,037$845$715
19 years$1,746$1,429$1,161$937$753$630
20 years$1,642$1,328$1,065$849$672$556
21 years$1,547$1,237$980$770$602$492
22 years$1,461$1,154$903$700$539$436
23 years$1,383$1,080$834$638$484$387
24 years$1,311$1,011$771$582$435$343
25 years$1,245$949$714$531$392$305
26 years$1,185$892$662$486$353$271
27 years$1,128$840$615$445$318$242
28 years$1,077$791$572$407$287$215
29 years$1,028$746$532$374$259$192
30 years$983$705$496$343$234$171
31 years$941$666$462$315$212$153
32 years$902$630$431$289$191$136
33 years$865$597$403$266$173$122
34 years$830$566$376$245$157$109
35 years$798$537$352$225$142$97
36 years$767$509$329$208$129$87
37 years$738$484$308$191$117$78
38 years$711$460$288$176$106$70
39 years$685$437$270$163$96$62
40 years$660$416$253$150$87$56
41 years$637$396$237$138$79$50
42 years$615$377$223$128$72$45
43 years$594$359$209$118$65$40
44 years$574$343$196$109$59$36
45 years$555$327$184$101$54$32
46 years$537$312$173$93$49$29
47 years$519$297$163$86$44$26
48 years$503$284$153$79$40$23
49 years$487$271$144$73$36$21
50 years$472$259$135$68$33$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $483,000, adding $2,054 every year, while hoping to spend $26,514 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: 37/46/17 Blend
51$483,000$483,000$483,000$483,000
52$534,385$508,786$501,299$551,335
53$560,681$505,506$489,882$560,470
54$588,771$501,176$477,194$567,663
55$618,810$495,718$463,164$574,873
56$650,967$489,046$447,718$582,114
57$685,429$481,073$430,780$589,407
58$722,400$471,703$412,269$596,774
59$762,105$460,836$392,099$604,244
60$804,788$448,366$370,184$611,851
61$850,722$434,181$346,430$619,634
62$900,202$418,162$320,741$627,641
63$953,554$400,183$293,018$635,926
64$1,011,136$380,112$263,153$644,552
65$1,073,342$357,807$231,039$653,593
66$1,140,603$333,120$196,559$663,133
67$1,213,395$305,893$159,594$673,269
68$1,292,240$275,961$120,019$684,111
69$1,377,712$243,147$77,704$695,785
70$1,470,443$207,265$32,511$708,437
71$1,571,126$168,119$0$722,229
72$1,680,527$125,503$0$740,198
73$1,799,484$79,196$0$766,181
74$1,928,923$28,968$0$794,540
75$2,069,860$0$0$825,572
76$2,223,414$0$0$872,478
77$2,390,818$0$0$939,661
78$2,573,426$0$0$1,013,009
79$2,772,730$0$0$1,093,131
80$2,990,373$0$0$1,180,694
81$3,228,163$0$0$1,276,435
82$3,488,090$0$0$1,381,163
83$3,772,344$0$0$1,495,771
84$4,083,340$0$0$1,621,242
85$4,423,733$0$0$1,758,657
86$4,796,448$0$0$1,909,208
87$5,204,708$0$0$2,074,207
88$5,652,059$0$0$2,255,100
89$6,142,409$0$0$2,453,477
90$6,680,061$0$0$2,671,091
91$7,269,753$0$0$2,909,875
92$7,916,707$0$0$3,171,953
93$8,626,671$0$0$3,459,670
94$9,405,979$0$0$3,775,605
95$10,261,607$0$0$4,122,602
96$11,201,239$0$0$4,503,791
97$12,233,343$0$0$4,922,624
98$13,367,242$0$0$5,382,900
99$14,613,212$0$0$5,888,807
100$15,982,569$0$0$6,444,957