Can I retire at age 52 with 492,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%17.1%
1 years$40,629$40,267$39,914$39,569$39,233$38,099
2 years$20,113$19,739$19,376$19,024$18,682$17,549
3 years$13,276$12,899$12,537$12,189$11,853$10,756
4 years$9,858$9,482$9,124$8,781$8,454$7,401
5 years$7,807$7,434$7,081$6,745$6,426$5,421
6 years$6,441$6,071$5,722$5,394$5,085$4,128
7 years$5,465$5,098$4,755$4,435$4,135$3,226
8 years$4,734$4,370$4,033$3,720$3,431$2,569
9 years$4,165$3,805$3,473$3,169$2,889$2,075
10 years$3,710$3,354$3,028$2,731$2,462$1,693
11 years$3,339$2,986$2,666$2,377$2,117$1,393
12 years$3,029$2,680$2,366$2,085$1,835$1,154
13 years$2,768$2,422$2,114$1,841$1,600$960
14 years$2,543$2,201$1,899$1,634$1,402$803
15 years$2,349$2,011$1,715$1,457$1,235$673
16 years$2,180$1,845$1,555$1,305$1,091$567
17 years$2,030$1,699$1,415$1,172$968$478
18 years$1,897$1,570$1,291$1,057$860$404
19 years$1,779$1,455$1,182$955$767$342
20 years$1,672$1,352$1,085$865$685$290
21 years$1,576$1,260$998$785$613$246
22 years$1,488$1,176$920$714$549$209
23 years$1,409$1,100$849$650$493$177
24 years$1,336$1,030$785$593$443$151
25 years$1,268$967$727$541$399$128
26 years$1,207$909$675$495$359$109
27 years$1,150$855$627$453$324$93
28 years$1,097$806$582$415$292$79
29 years$1,047$760$542$381$264$68
30 years$1,001$718$505$349$239$58
31 years$959$679$471$321$216$49
32 years$919$642$439$295$195$42
33 years$881$608$410$271$177$36
34 years$846$576$383$249$160$31
35 years$813$547$358$230$145$26
36 years$781$519$335$211$131$22
37 years$752$493$314$195$119$19
38 years$724$468$294$180$108$16
39 years$698$445$275$166$98$14
40 years$673$424$258$153$89$12
41 years$649$403$242$141$80$10
42 years$626$384$227$130$73$9
43 years$605$366$213$120$66$7
44 years$585$349$200$111$60$6
45 years$565$333$188$102$55$5
46 years$547$317$176$95$50$5
47 years$529$303$166$87$45$4
48 years$512$289$156$81$41$3
49 years$496$276$146$75$37$3
50 years$480$264$137$69$34$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $492,000, adding $5,800 every year, while hoping to spend $31,448 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: 44/36/20 Blend
51$492,000$492,000$492,000$492,000
52$548,167$522,091$514,465$568,883
53$570,619$514,213$498,239$576,171
54$594,308$504,895$480,415$580,527
55$619,326$494,033$460,908$584,599
56$645,774$481,517$439,625$588,376
57$673,763$467,232$416,473$591,847
58$703,414$451,053$391,351$595,004
59$734,858$432,851$364,158$597,841
60$768,240$412,487$334,784$600,353
61$803,718$389,816$303,116$602,539
62$841,463$364,683$269,036$604,399
63$881,665$336,925$232,422$605,938
64$924,530$306,370$193,144$607,165
65$970,285$272,836$151,067$608,092
66$1,019,178$236,128$106,051$608,738
67$1,071,481$196,045$57,950$609,128
68$1,127,491$152,370$6,611$609,294
69$1,187,536$104,877$0$609,275
70$1,251,975$53,326$0$619,402
71$1,321,200$0$0$631,626
72$1,395,645$0$0$645,649
73$1,475,782$0$0$683,528
74$1,562,134$0$0$724,388
75$1,655,273$0$0$768,508
76$1,755,826$0$0$816,190
77$1,864,484$0$0$867,768
78$1,982,007$0$0$923,610
79$2,109,229$0$0$984,118
80$2,247,066$0$0$1,049,737
81$2,396,528$0$0$1,120,953
82$2,558,723$0$0$1,198,305
83$2,734,872$0$0$1,282,381
84$2,926,314$0$0$1,373,831
85$3,134,528$0$0$1,473,370
86$3,361,135$0$0$1,581,782
87$3,607,924$0$0$1,699,934
88$3,876,859$0$0$1,828,777
89$4,170,105$0$0$1,969,359
90$4,490,043$0$0$2,122,832
91$4,839,294$0$0$2,290,466
92$5,220,744$0$0$2,473,659
93$5,637,569$0$0$2,673,949
94$6,093,265$0$0$2,893,030
95$6,591,683$0$0$3,132,767
96$7,137,063$0$0$3,395,213
97$7,734,072$0$0$3,682,630
98$8,387,850$0$0$3,997,509
99$9,104,057$0$0$4,342,592
100$9,888,929$0$0$4,720,899