Can I retire at age 52 with 492,000?

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 $492,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$40,629$40,267$39,914$39,569$39,233$38,662
2 years$20,113$19,739$19,376$19,024$18,682$18,109
3 years$13,276$12,899$12,537$12,189$11,853$11,294
4 years$9,858$9,482$9,124$8,781$8,454$7,914
5 years$7,807$7,434$7,081$6,745$6,426$5,907
6 years$6,441$6,071$5,722$5,394$5,085$4,587
7 years$5,465$5,098$4,755$4,435$4,135$3,659
8 years$4,734$4,370$4,033$3,720$3,431$2,976
9 years$4,165$3,805$3,473$3,169$2,889$2,455
10 years$3,710$3,354$3,028$2,731$2,462$2,049
11 years$3,339$2,986$2,666$2,377$2,117$1,724
12 years$3,029$2,680$2,366$2,085$1,835$1,462
13 years$2,768$2,422$2,114$1,841$1,600$1,246
14 years$2,543$2,201$1,899$1,634$1,402$1,068
15 years$2,349$2,011$1,715$1,457$1,235$919
16 years$2,180$1,845$1,555$1,305$1,091$793
17 years$2,030$1,699$1,415$1,172$968$686
18 years$1,897$1,570$1,291$1,057$860$595
19 years$1,779$1,455$1,182$955$767$517
20 years$1,672$1,352$1,085$865$685$450
21 years$1,576$1,260$998$785$613$393
22 years$1,488$1,176$920$714$549$343
23 years$1,409$1,100$849$650$493$300
24 years$1,336$1,030$785$593$443$262
25 years$1,268$967$727$541$399$230
26 years$1,207$909$675$495$359$201
27 years$1,150$855$627$453$324$177
28 years$1,097$806$582$415$292$155
29 years$1,047$760$542$381$264$136
30 years$1,001$718$505$349$239$120
31 years$959$679$471$321$216$105
32 years$919$642$439$295$195$92
33 years$881$608$410$271$177$81
34 years$846$576$383$249$160$71
35 years$813$547$358$230$145$63
36 years$781$519$335$211$131$55
37 years$752$493$314$195$119$49
38 years$724$468$294$180$108$43
39 years$698$445$275$166$98$38
40 years$673$424$258$153$89$33
41 years$649$403$242$141$80$29
42 years$626$384$227$130$73$26
43 years$605$366$213$120$66$23
44 years$585$349$200$111$60$20
45 years$565$333$188$102$55$18
46 years$547$317$176$95$50$15
47 years$529$303$166$87$45$14
48 years$512$289$156$81$41$12
49 years$496$276$146$75$37$11
50 years$480$264$137$69$34$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $492,000, adding $2,385 every year, while hoping to spend $20,482 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: 67/25/8 Blend
51$492,000$492,000$492,000$492,000
52$544,644$518,568$510,942$580,167
53$578,405$522,185$506,266$607,675
54$614,923$525,293$500,747$635,054
55$654,458$527,845$494,335$664,443
56$697,295$529,792$486,977$696,034
57$743,748$531,081$478,620$730,042
58$794,163$531,656$469,205$766,702
59$848,917$531,457$458,674$806,273
60$908,430$530,422$446,963$849,043
61$973,160$528,483$434,006$895,327
62$1,043,613$525,569$419,736$945,475
63$1,120,345$521,605$404,081$999,870
64$1,203,967$516,511$386,964$1,058,939
65$1,295,154$510,201$368,309$1,123,149
66$1,394,645$502,586$348,033$1,193,016
67$1,503,257$493,571$326,050$1,269,113
68$1,621,887$483,055$302,271$1,352,067
69$1,751,525$470,930$276,603$1,442,572
70$1,893,258$457,083$248,947$1,541,396
71$2,048,285$441,395$219,201$1,649,382
72$2,217,926$423,738$187,259$1,767,462
73$2,403,631$403,979$153,010$1,896,666
74$2,607,003$381,975$116,337$2,038,127
75$2,829,802$357,576$77,119$2,193,097
76$3,073,968$330,624$35,229$2,362,956
77$3,341,638$300,950$0$2,549,226
78$3,635,165$268,377$0$2,754,398
79$3,957,142$232,717$0$2,982,775
80$4,310,423$193,772$0$3,233,404
81$4,698,152$151,334$0$3,508,551
82$5,123,794$105,179$0$3,810,717
83$5,591,164$55,076$0$4,142,656
84$6,104,465$777$0$4,507,408
85$6,668,327$0$0$4,908,323
86$7,287,852$0$0$5,365,044
87$7,968,657$0$0$5,867,210
88$8,716,934$0$0$6,419,177
89$9,539,503$0$0$7,025,981
90$10,443,877$0$0$7,693,168
91$11,438,335$0$0$8,426,850
92$12,531,997$0$0$9,233,761
93$13,734,911$0$0$10,121,318
94$15,058,149$0$0$11,097,697
95$16,513,909$0$0$12,171,902
96$18,115,631$0$0$13,353,857
97$19,878,124$0$0$14,654,494
98$21,817,704$0$0$16,085,861
99$23,952,350$0$0$17,661,230
100$26,301,870$0$0$19,395,227