Can I retire at age 52 with 483,000?

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 $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%17.6%
1 years$39,886$39,530$39,184$38,845$38,515$37,327
2 years$19,745$19,378$19,021$18,676$18,341$17,154
3 years$13,033$12,664$12,308$11,966$11,636$10,488
4 years$9,677$9,309$8,957$8,621$8,299$7,199
5 years$7,664$7,298$6,951$6,621$6,309$5,259
6 years$6,323$5,960$5,617$5,295$4,992$3,993
7 years$5,365$5,005$4,668$4,354$4,060$3,113
8 years$4,647$4,290$3,959$3,652$3,368$2,472
9 years$4,089$3,735$3,410$3,111$2,836$1,990
10 years$3,643$3,293$2,973$2,681$2,417$1,618
11 years$3,278$2,931$2,617$2,334$2,078$1,327
12 years$2,974$2,631$2,323$2,047$1,801$1,096
13 years$2,717$2,378$2,075$1,807$1,571$909
14 years$2,497$2,161$1,865$1,604$1,377$757
15 years$2,306$1,974$1,683$1,431$1,212$633
16 years$2,140$1,811$1,526$1,281$1,071$531
17 years$1,993$1,668$1,389$1,151$950$446
18 years$1,863$1,541$1,268$1,037$845$375
19 years$1,746$1,429$1,161$937$753$316
20 years$1,642$1,328$1,065$849$672$267
21 years$1,547$1,237$980$770$602$226
22 years$1,461$1,154$903$700$539$191
23 years$1,383$1,080$834$638$484$162
24 years$1,311$1,011$771$582$435$137
25 years$1,245$949$714$531$392$116
26 years$1,185$892$662$486$353$98
27 years$1,128$840$615$445$318$84
28 years$1,077$791$572$407$287$71
29 years$1,028$746$532$374$259$60
30 years$983$705$496$343$234$51
31 years$941$666$462$315$212$43
32 years$902$630$431$289$191$37
33 years$865$597$403$266$173$31
34 years$830$566$376$245$157$27
35 years$798$537$352$225$142$23
36 years$767$509$329$208$129$19
37 years$738$484$308$191$117$16
38 years$711$460$288$176$106$14
39 years$685$437$270$163$96$12
40 years$660$416$253$150$87$10
41 years$637$396$237$138$79$9
42 years$615$377$223$128$72$7
43 years$594$359$209$118$65$6
44 years$574$343$196$109$59$5
45 years$555$327$184$101$54$4
46 years$537$312$173$93$49$4
47 years$519$297$163$86$44$3
48 years$503$284$153$79$40$3
49 years$487$271$144$73$36$2
50 years$472$259$135$68$33$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $483,000, adding $4,468 every year, while hoping to spend $22,305 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: 28/50/22 Blend
51$483,000$483,000$483,000$483,000
52$536,875$511,276$503,789$548,090
53$567,904$512,596$496,934$558,511
54$601,350$513,233$489,101$567,430
55$637,437$513,131$480,235$576,541
56$676,409$512,228$470,276$585,877
57$718,535$510,460$459,164$595,471
58$764,113$507,759$446,833$605,365
59$813,466$504,053$433,215$615,607
60$866,953$499,265$418,241$626,249
61$924,967$493,314$401,837$637,354
62$987,940$486,112$383,925$648,994
63$1,056,348$477,570$364,425$661,247
64$1,130,714$467,590$343,252$674,206
65$1,211,614$456,069$320,318$687,975
66$1,299,681$442,899$295,531$702,671
67$1,395,613$427,965$268,795$718,428
68$1,500,175$411,145$240,010$735,394
69$1,614,212$392,310$209,069$753,740
70$1,738,654$371,325$175,865$773,655
71$1,874,521$348,045$140,281$795,354
72$2,022,941$322,318$102,199$819,077
73$2,185,152$293,982$61,494$845,093
74$2,362,518$262,868$18,035$873,704
75$2,556,542$228,796$0$905,249
76$2,768,877$191,575$0$946,760
77$3,001,345$151,004$0$996,957
78$3,255,951$106,872$0$1,052,108
79$3,534,903$58,954$0$1,112,777
80$3,840,634$7,014$0$1,179,592
81$4,175,823$0$0$1,253,246
82$4,543,419$0$0$1,361,580
83$4,946,673$0$0$1,484,738
84$5,389,162$0$0$1,619,962
85$5,874,831$0$0$1,768,468
86$6,408,021$0$0$1,931,594
87$6,993,516$0$0$2,110,816
88$7,636,586$0$0$2,307,758
89$8,343,035$0$0$2,524,210
90$9,119,259$0$0$2,762,142
91$9,972,302$0$0$3,023,729
92$10,909,927$0$0$3,311,363
93$11,940,684$0$0$3,627,681
94$13,073,993$0$0$3,975,587
95$14,320,233$0$0$4,358,284
96$15,690,840$0$0$4,779,296
97$17,198,412$0$0$5,242,511
98$18,856,830$0$0$5,752,210
99$20,681,388$0$0$6,313,108
100$22,688,938$0$0$6,930,405