Can I retire at age 52 with 486,000?

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 $486,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$40,133$39,776$39,427$39,087$38,754$38,223
2 years$19,868$19,498$19,139$18,792$18,454$17,920
3 years$13,114$12,742$12,384$12,040$11,708$11,187
4 years$9,737$9,367$9,013$8,674$8,350$7,847
5 years$7,712$7,344$6,994$6,663$6,348$5,863
6 years$6,362$5,997$5,652$5,328$5,023$4,558
7 years$5,398$5,036$4,697$4,381$4,085$3,640
8 years$4,676$4,317$3,984$3,675$3,389$2,963
9 years$4,114$3,759$3,431$3,130$2,854$2,448
10 years$3,665$3,313$2,991$2,698$2,432$2,045
11 years$3,298$2,949$2,633$2,348$2,091$1,724
12 years$2,992$2,647$2,337$2,060$1,812$1,463
13 years$2,734$2,392$2,088$1,818$1,580$1,249
14 years$2,512$2,175$1,876$1,614$1,385$1,072
15 years$2,321$1,986$1,694$1,440$1,220$923
16 years$2,153$1,823$1,536$1,289$1,078$798
17 years$2,005$1,678$1,397$1,158$956$691
18 years$1,874$1,551$1,276$1,044$850$601
19 years$1,757$1,437$1,168$943$758$523
20 years$1,652$1,336$1,072$854$677$456
21 years$1,557$1,244$986$775$606$398
22 years$1,470$1,161$909$705$543$348
23 years$1,391$1,086$839$642$487$305
24 years$1,319$1,018$776$585$438$267
25 years$1,253$955$719$535$394$234
26 years$1,192$898$666$489$355$206
27 years$1,135$845$619$447$320$181
28 years$1,083$796$575$410$289$159
29 years$1,035$751$535$376$261$140
30 years$989$709$499$345$236$123
31 years$947$670$465$317$213$108
32 years$907$634$434$291$193$95
33 years$870$601$405$268$174$84
34 years$836$569$378$246$158$74
35 years$803$540$354$227$143$65
36 years$772$513$331$209$130$57
37 years$743$487$310$192$117$51
38 years$715$463$290$177$106$45
39 years$689$440$272$164$97$39
40 years$664$419$255$151$88$35
41 years$641$398$239$139$79$31
42 years$619$379$224$128$72$27
43 years$598$362$210$119$65$24
44 years$577$345$197$110$59$21
45 years$558$329$185$101$54$19
46 years$540$314$174$93$49$16
47 years$522$299$164$86$44$14
48 years$506$286$154$80$40$13
49 years$490$273$144$74$37$11
50 years$475$261$136$68$33$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $486,000, adding $4,721 every year, while hoping to spend $35,748 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: 26/47/27 Blend
51$486,000$486,000$486,000$486,000
52$540,442$514,684$507,151$549,834
53$557,531$501,868$486,105$545,053
54$575,166$487,225$463,155$536,553
55$593,363$470,630$438,202$526,694
56$612,142$451,946$411,137$515,386
57$631,521$431,032$381,851$502,532
58$651,520$407,737$350,227$488,032
59$672,160$381,902$316,145$471,780
60$693,463$353,357$279,478$453,662
61$715,449$321,925$240,094$433,562
62$738,143$287,417$197,855$411,355
63$761,568$249,635$152,617$386,908
64$785,748$208,367$104,230$360,083
65$810,709$163,392$52,537$330,735
66$836,478$114,475$0$298,710
67$863,083$61,368$0$264,603
68$890,551$3,809$0$243,687
69$918,914$0$0$220,683
70$948,201$0$0$225,701
71$978,446$0$0$232,918
72$1,009,682$0$0$240,374
73$1,041,944$0$0$248,077
74$1,075,269$0$0$256,036
75$1,109,696$0$0$264,260
76$1,145,263$0$0$272,759
77$1,182,013$0$0$281,544
78$1,219,990$0$0$290,626
79$1,259,239$0$0$300,015
80$1,299,807$0$0$309,725
81$1,341,746$0$0$319,766
82$1,385,107$0$0$330,152
83$1,429,945$0$0$340,898
84$1,476,319$0$0$352,018
85$1,524,290$0$0$363,527
86$1,573,922$0$0$375,441
87$1,625,281$0$0$387,778
88$1,678,441$0$0$400,555
89$1,733,475$0$0$413,792
90$1,790,463$0$0$427,510
91$1,849,489$0$0$441,729
92$1,910,643$0$0$456,473
93$1,974,019$0$0$471,766
94$2,039,716$0$0$487,634
95$2,107,841$0$0$504,104
96$2,178,507$0$0$521,207
97$2,251,835$0$0$538,973
98$2,327,952$0$0$557,436
99$2,406,996$0$0$576,632
100$2,489,113$0$0$596,600