Can I retire at age 52 with 491,000?

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 $491,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$40,546$40,185$39,833$39,489$39,153$38,955
2 years$20,072$19,699$19,336$18,985$18,644$18,445
3 years$13,249$12,873$12,512$12,164$11,829$11,633
4 years$9,838$9,463$9,105$8,763$8,436$8,247
5 years$7,791$7,419$7,066$6,731$6,413$6,230
6 years$6,428$6,058$5,711$5,383$5,075$4,898
7 years$5,454$5,088$4,745$4,426$4,127$3,957
8 years$4,724$4,361$4,025$3,713$3,424$3,261
9 years$4,157$3,797$3,466$3,162$2,883$2,727
10 years$3,703$3,347$3,022$2,726$2,457$2,307
11 years$3,332$2,980$2,661$2,372$2,113$1,970
12 years$3,023$2,674$2,361$2,081$1,831$1,694
13 years$2,762$2,417$2,110$1,837$1,597$1,466
14 years$2,538$2,197$1,895$1,631$1,400$1,276
15 years$2,345$2,007$1,711$1,454$1,232$1,114
16 years$2,175$1,841$1,552$1,302$1,089$977
17 years$2,026$1,696$1,412$1,170$966$859
18 years$1,894$1,567$1,289$1,054$859$758
19 years$1,775$1,452$1,180$953$765$670
20 years$1,669$1,349$1,083$863$684$593
21 years$1,573$1,257$996$783$612$526
22 years$1,485$1,173$918$712$548$467
23 years$1,406$1,097$848$648$492$416
24 years$1,333$1,028$784$591$442$370
25 years$1,266$965$726$540$398$330
26 years$1,204$907$673$494$359$295
27 years$1,147$853$625$452$323$263
28 years$1,094$804$581$414$292$235
29 years$1,045$759$541$380$263$210
30 years$999$717$504$349$238$188
31 years$957$677$470$320$215$169
32 years$917$641$438$294$195$151
33 years$879$607$409$271$176$135
34 years$844$575$382$249$159$121
35 years$811$546$357$229$144$109
36 years$780$518$334$211$131$98
37 years$750$492$313$194$119$88
38 years$723$467$293$179$108$79
39 years$696$444$275$165$98$71
40 years$671$423$257$152$88$63
41 years$648$403$241$141$80$57
42 years$625$383$226$130$73$51
43 years$604$365$212$120$66$46
44 years$583$348$199$111$60$41
45 years$564$332$187$102$54$37
46 years$545$317$176$94$49$33
47 years$528$302$165$87$45$30
48 years$511$289$155$81$41$27
49 years$495$276$146$74$37$24
50 years$479$263$137$69$34$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $491,000, adding $2,523 every year, while hoping to spend $31,414 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: 53/18/29 Blend
51$491,000$491,000$491,000$491,000
52$543,684$517,661$510,051$567,970
53$565,716$509,603$493,713$577,035
54$588,942$500,096$475,776$583,506
55$613,451$489,038$456,151$589,929
56$639,339$476,317$434,749$596,315
57$666,713$461,818$411,474$602,673
58$695,687$445,416$386,227$609,018
59$726,387$426,981$358,906$615,368
60$758,950$406,375$329,401$621,745
61$793,526$383,450$297,599$628,174
62$830,280$358,053$263,382$634,688
63$869,390$330,020$226,628$641,323
64$911,055$299,177$187,206$648,123
65$955,488$265,343$144,983$655,138
66$1,002,925$228,322$99,818$662,429
67$1,053,626$187,912$51,564$670,063
68$1,107,873$143,897$68$678,119
69$1,165,976$96,048$0$686,688
70$1,228,277$44,126$0$712,858
71$1,295,148$0$0$740,888
72$1,367,001$0$0$773,349
73$1,444,284$0$0$817,697
74$1,527,492$0$0$865,482
75$1,617,169$0$0$917,018
76$1,713,909$0$0$972,654
77$1,818,368$0$0$1,032,771
78$1,931,266$0$0$1,097,788
79$2,053,393$0$0$1,168,166
80$2,185,618$0$0$1,244,413
81$2,328,899$0$0$1,327,086
82$2,484,285$0$0$1,416,797
83$2,652,932$0$0$1,514,221
84$2,836,112$0$0$1,620,098
85$3,035,222$0$0$1,735,245
86$3,251,801$0$0$1,860,559
87$3,487,541$0$0$1,997,027
88$3,744,305$0$0$2,145,735
89$4,024,141$0$0$2,307,879
90$4,329,304$0$0$2,484,776
91$4,662,278$0$0$2,677,872
92$5,025,793$0$0$2,888,764
93$5,422,858$0$0$3,119,206
94$5,856,783$0$0$3,371,130
95$6,331,213$0$0$3,646,664
96$6,850,162$0$0$3,948,150
97$7,418,048$0$0$4,278,168
98$8,039,738$0$0$4,639,557
99$8,720,588$0$0$5,035,447
100$9,466,501$0$0$5,469,281