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%19%
1 years$40,546$40,185$39,833$39,489$39,153$37,734
2 years$20,072$19,699$19,336$18,985$18,644$17,230
3 years$13,249$12,873$12,512$12,164$11,829$10,464
4 years$9,838$9,463$9,105$8,763$8,436$7,131
5 years$7,791$7,419$7,066$6,731$6,413$5,171
6 years$6,428$6,058$5,711$5,383$5,075$3,897
7 years$5,454$5,088$4,745$4,426$4,127$3,013
8 years$4,724$4,361$4,025$3,713$3,424$2,373
9 years$4,157$3,797$3,466$3,162$2,883$1,894
10 years$3,703$3,347$3,022$2,726$2,457$1,527
11 years$3,332$2,980$2,661$2,372$2,113$1,241
12 years$3,023$2,674$2,361$2,081$1,831$1,015
13 years$2,762$2,417$2,110$1,837$1,597$834
14 years$2,538$2,197$1,895$1,631$1,400$688
15 years$2,345$2,007$1,711$1,454$1,232$569
16 years$2,175$1,841$1,552$1,302$1,089$473
17 years$2,026$1,696$1,412$1,170$966$393
18 years$1,894$1,567$1,289$1,054$859$327
19 years$1,775$1,452$1,180$953$765$273
20 years$1,669$1,349$1,083$863$684$228
21 years$1,573$1,257$996$783$612$191
22 years$1,485$1,173$918$712$548$160
23 years$1,406$1,097$848$648$492$134
24 years$1,333$1,028$784$591$442$112
25 years$1,266$965$726$540$398$94
26 years$1,204$907$673$494$359$79
27 years$1,147$853$625$452$323$66
28 years$1,094$804$581$414$292$55
29 years$1,045$759$541$380$263$46
30 years$999$717$504$349$238$39
31 years$957$677$470$320$215$33
32 years$917$641$438$294$195$28
33 years$879$607$409$271$176$23
34 years$844$575$382$249$159$19
35 years$811$546$357$229$144$16
36 years$780$518$334$211$131$14
37 years$750$492$313$194$119$12
38 years$723$467$293$179$108$10
39 years$696$444$275$165$98$8
40 years$671$423$257$152$88$7
41 years$648$403$241$141$80$6
42 years$625$383$226$130$73$5
43 years$604$365$212$120$66$4
44 years$583$348$199$111$60$3
45 years$564$332$187$102$54$3
46 years$545$317$176$94$49$2
47 years$528$302$165$87$45$2
48 years$511$289$155$81$41$2
49 years$495$276$146$74$37$1
50 years$479$263$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 $491,000, adding $2,303 every year, while hoping to spend $29,804 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: 51/24/25 Blend
51$491,000$491,000$491,000$491,000
52$543,458$517,435$509,824$567,258
53$567,179$511,078$495,192$577,668
54$592,321$503,410$479,071$585,775
55$618,997$494,337$461,379$593,987
56$647,332$483,756$442,032$602,325
57$677,460$471,560$420,940$610,817
58$709,530$457,636$398,011$619,493
59$743,706$441,864$373,148$628,389
60$780,163$424,115$346,248$637,547
61$819,099$404,255$317,206$647,016
62$860,726$382,142$285,911$656,850
63$905,278$357,625$252,247$667,114
64$953,012$330,545$216,094$677,881
65$1,004,210$300,733$177,324$689,234
66$1,059,181$268,010$135,806$701,268
67$1,118,264$232,189$91,402$714,091
68$1,181,832$193,071$43,968$727,824
69$1,250,293$150,446$0$742,607
70$1,324,096$104,091$0$760,369
71$1,403,734$53,772$0$792,144
72$1,489,751$0$0$826,434
73$1,582,740$0$0$863,706
74$1,683,356$0$0$919,441
75$1,792,320$0$0$979,841
76$1,910,421$0$0$1,045,351
77$2,038,531$0$0$1,116,458
78$2,177,605$0$0$1,193,700
79$2,328,695$0$0$1,277,665
80$2,492,959$0$0$1,369,005
81$2,671,671$0$0$1,468,434
82$2,866,230$0$0$1,576,738
83$3,078,179$0$0$1,694,782
84$3,309,215$0$0$1,823,519
85$3,561,203$0$0$1,963,997
86$3,836,199$0$0$2,117,370
87$4,136,465$0$0$2,284,908
88$4,464,491$0$0$2,468,010
89$4,823,018$0$0$2,668,213
90$5,215,063$0$0$2,887,215
91$5,643,951$0$0$3,126,880
92$6,113,339$0$0$3,389,264
93$6,627,256$0$0$3,676,629
94$7,190,139$0$0$3,991,468
95$7,806,873$0$0$4,336,524
96$8,482,840$0$0$4,714,822
97$9,223,965$0$0$5,129,688
98$10,036,774$0$0$5,584,791
99$10,928,457$0$0$6,084,168
100$11,906,932$0$0$6,632,268