Can I retire at age 52 with 485,000?

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 $485,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$40,051$39,694$39,346$39,006$38,675$37,362
2 years$19,827$19,458$19,100$18,753$18,416$17,107
3 years$13,087$12,716$12,359$12,015$11,684$10,419
4 years$9,717$9,348$8,994$8,656$8,333$7,122
5 years$7,696$7,329$6,980$6,649$6,335$5,181
6 years$6,349$5,984$5,641$5,317$5,013$3,917
7 years$5,387$5,026$4,687$4,372$4,077$3,039
8 years$4,666$4,308$3,975$3,667$3,382$2,402
9 years$4,106$3,751$3,424$3,124$2,848$1,924
10 years$3,658$3,306$2,985$2,693$2,427$1,557
11 years$3,291$2,943$2,628$2,343$2,087$1,271
12 years$2,986$2,642$2,332$2,055$1,809$1,043
13 years$2,728$2,387$2,084$1,815$1,577$861
14 years$2,507$2,170$1,872$1,611$1,382$713
15 years$2,316$1,982$1,690$1,437$1,217$593
16 years$2,149$1,819$1,533$1,286$1,076$494
17 years$2,001$1,675$1,395$1,156$954$413
18 years$1,870$1,548$1,273$1,042$848$345
19 years$1,753$1,434$1,165$941$756$289
20 years$1,648$1,333$1,070$852$675$243
21 years$1,553$1,242$984$774$604$204
22 years$1,467$1,159$907$703$542$171
23 years$1,388$1,084$837$641$486$144
24 years$1,317$1,016$774$584$437$121
25 years$1,250$953$717$534$393$102
26 years$1,189$896$665$488$354$86
27 years$1,133$843$618$447$319$73
28 years$1,081$794$574$409$288$61
29 years$1,032$749$534$375$260$52
30 years$987$708$498$344$235$44
31 years$945$669$464$316$213$37
32 years$906$633$433$291$192$31
33 years$869$600$404$267$174$26
34 years$834$568$378$246$158$22
35 years$801$539$353$226$143$19
36 years$770$512$330$208$129$16
37 years$741$486$309$192$117$13
38 years$714$462$290$177$106$11
39 years$688$439$271$163$96$9
40 years$663$418$254$151$87$8
41 years$640$398$238$139$79$7
42 years$617$379$224$128$72$6
43 years$596$361$210$118$65$5
44 years$576$344$197$109$59$4
45 years$557$328$185$101$54$3
46 years$539$313$174$93$49$3
47 years$521$299$163$86$44$2
48 years$505$285$153$80$40$2
49 years$489$272$144$74$37$2
50 years$474$260$136$68$33$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $485,000, adding $6,409 every year, while hoping to spend $22,038 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: 60/35/5 Blend
51$485,000$485,000$485,000$485,000
52$541,081$515,376$507,858$572,697
53$572,823$517,181$501,423$596,421
54$607,064$518,336$494,034$619,163
55$644,036$518,786$485,636$643,400
56$683,993$518,472$476,170$669,278
57$727,215$517,331$465,576$696,955
58$774,009$515,299$453,791$726,608
59$824,714$512,305$440,749$758,430
60$879,701$508,274$426,381$792,636
61$939,379$503,128$410,613$829,464
62$1,004,198$496,783$393,371$869,178
63$1,074,652$489,151$374,574$912,066
64$1,151,285$480,138$354,141$958,452
65$1,234,695$469,644$331,984$1,008,688
66$1,325,542$457,565$308,013$1,063,168
67$1,424,549$443,788$282,134$1,122,325
68$1,532,515$428,196$254,248$1,186,637
69$1,650,318$410,663$224,251$1,256,636
70$1,778,923$391,058$192,036$1,332,904
71$1,919,395$369,242$157,491$1,416,089
72$2,072,904$345,065$120,498$1,506,904
73$2,240,739$318,373$80,933$1,606,139
74$2,424,320$288,998$38,670$1,714,664
75$2,625,210$256,768$0$1,833,442
76$2,845,129$221,498$0$1,963,879
77$3,085,972$182,991$0$2,109,030
78$3,349,827$141,044$0$2,268,133
79$3,638,991$95,436$0$2,442,629
80$3,955,996$45,940$0$2,634,107
81$4,303,628$0$0$2,844,321
82$4,684,959$0$0$3,078,167
83$5,103,370$0$0$3,354,205
84$5,562,586$0$0$3,657,204
85$6,066,710$0$0$3,989,876
86$6,620,262$0$0$4,355,210
87$7,228,222$0$0$4,756,496
88$7,896,072$0$0$5,197,361
89$8,629,857$0$0$5,681,798
90$9,436,232$0$0$6,214,209
91$10,322,530$0$0$6,799,441
92$11,296,830$0$0$7,442,835
93$12,368,033$0$0$8,150,275
94$13,545,944$0$0$8,928,245
95$14,841,369$0$0$9,783,888
96$16,266,210$0$0$10,725,072
97$17,833,581$0$0$11,760,468
98$19,557,933$0$0$12,899,630
99$21,455,187$0$0$14,153,084
100$23,542,885$0$0$15,532,428