Can I retire at age 52 with 489,000?

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 $489,000?

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$40,381$40,021$39,671$39,328$38,994$37,670
2 years$19,991$19,618$19,258$18,908$18,568$17,248
3 years$13,195$12,821$12,461$12,114$11,781$10,505
4 years$9,797$9,425$9,068$8,728$8,402$7,181
5 years$7,760$7,389$7,037$6,704$6,387$5,224
6 years$6,401$6,034$5,687$5,361$5,054$3,950
7 years$5,432$5,067$4,726$4,408$4,110$3,064
8 years$4,705$4,343$4,008$3,697$3,410$2,422
9 years$4,140$3,782$3,452$3,149$2,872$1,940
10 years$3,688$3,333$3,010$2,715$2,447$1,570
11 years$3,318$2,968$2,650$2,363$2,104$1,281
12 years$3,011$2,664$2,352$2,072$1,823$1,052
13 years$2,751$2,407$2,101$1,830$1,590$868
14 years$2,528$2,188$1,888$1,624$1,394$719
15 years$2,335$1,999$1,704$1,448$1,227$598
16 years$2,166$1,834$1,545$1,297$1,085$498
17 years$2,018$1,689$1,406$1,165$962$416
18 years$1,886$1,561$1,284$1,050$855$348
19 years$1,768$1,446$1,175$949$762$292
20 years$1,662$1,344$1,078$859$681$245
21 years$1,566$1,252$992$780$609$206
22 years$1,479$1,169$914$709$546$173
23 years$1,400$1,093$844$646$490$145
24 years$1,327$1,024$781$589$441$122
25 years$1,261$961$723$538$396$103
26 years$1,199$903$671$492$357$87
27 years$1,143$850$623$450$322$73
28 years$1,090$801$579$413$291$62
29 years$1,041$756$539$378$262$52
30 years$995$714$502$347$237$44
31 years$953$675$468$319$214$37
32 years$913$638$436$293$194$31
33 years$876$604$408$269$175$26
34 years$841$573$381$248$159$22
35 years$808$543$356$228$144$19
36 years$777$516$333$210$130$16
37 years$747$490$312$194$118$13
38 years$720$466$292$179$107$11
39 years$693$443$273$165$97$10
40 years$669$421$256$152$88$8
41 years$645$401$240$140$80$7
42 years$623$382$225$129$73$6
43 years$601$364$212$119$66$5
44 years$581$347$199$110$60$4
45 years$562$331$186$102$54$3
46 years$543$315$175$94$49$3
47 years$526$301$165$87$45$2
48 years$509$287$155$80$41$2
49 years$493$274$145$74$37$2
50 years$477$262$137$69$34$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $489,000, adding $6,834 every year, while hoping to spend $37,743 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: 65/19/16 Blend
51$489,000$489,000$489,000$489,000
52$545,927$520,010$512,431$578,856
53$561,454$505,333$489,439$587,072
54$577,299$488,671$464,412$591,065
55$593,455$469,887$437,242$594,507
56$609,913$448,838$407,815$597,344
57$626,662$425,369$376,015$599,517
58$643,687$399,317$341,717$600,964
59$660,972$370,512$304,793$601,618
60$678,496$338,772$265,108$601,405
61$696,235$303,905$222,522$600,248
62$714,163$265,708$176,888$598,062
63$732,247$223,967$128,054$594,757
64$750,451$178,456$75,858$590,234
65$768,732$128,936$20,135$584,388
66$787,043$75,154$0$577,107
67$805,328$16,843$0$574,982
68$823,526$0$0$575,271
69$841,565$0$0$584,100
70$859,367$0$0$596,262
71$876,841$0$0$608,171
72$893,887$0$0$619,753
73$910,391$0$0$630,928
74$926,226$0$0$641,604
75$941,250$0$0$651,677
76$955,304$0$0$661,034
77$968,210$0$0$669,547
78$979,770$0$0$677,071
79$989,762$0$0$683,449
80$997,940$0$0$688,503
81$1,004,030$0$0$692,036
82$1,007,726$0$0$693,828
83$1,008,689$0$0$693,637
84$1,006,544$0$0$691,190
85$1,000,871$0$0$686,188
86$991,207$0$0$678,297
87$977,036$0$0$667,148
88$957,790$0$0$652,332
89$932,834$0$0$633,393
90$901,470$0$0$609,831
91$862,921$0$0$581,088
92$816,330$0$0$546,549
93$760,746$0$0$505,531
94$695,119$0$0$457,281
95$618,287$0$0$400,966
96$528,963$0$0$335,664
97$425,729$0$0$260,355
98$307,013$0$0$173,915
99$171,081$0$0$75,097
100$16,016$0$0$0