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%15%
1 years$40,629$40,267$39,914$39,569$39,233$38,425
2 years$20,113$19,739$19,376$19,024$18,682$17,872
3 years$13,276$12,899$12,537$12,189$11,853$11,065
4 years$9,858$9,482$9,124$8,781$8,454$7,695
5 years$7,807$7,434$7,081$6,745$6,426$5,699
6 years$6,441$6,071$5,722$5,394$5,085$4,390
7 years$5,465$5,098$4,755$4,435$4,135$3,472
8 years$4,734$4,370$4,033$3,720$3,431$2,799
9 years$4,165$3,805$3,473$3,169$2,889$2,289
10 years$3,710$3,354$3,028$2,731$2,462$1,893
11 years$3,339$2,986$2,666$2,377$2,117$1,578
12 years$3,029$2,680$2,366$2,085$1,835$1,325
13 years$2,768$2,422$2,114$1,841$1,600$1,119
14 years$2,543$2,201$1,899$1,634$1,402$949
15 years$2,349$2,011$1,715$1,457$1,235$808
16 years$2,180$1,845$1,555$1,305$1,091$690
17 years$2,030$1,699$1,415$1,172$968$590
18 years$1,897$1,570$1,291$1,057$860$507
19 years$1,779$1,455$1,182$955$767$436
20 years$1,672$1,352$1,085$865$685$375
21 years$1,576$1,260$998$785$613$323
22 years$1,488$1,176$920$714$549$279
23 years$1,409$1,100$849$650$493$241
24 years$1,336$1,030$785$593$443$209
25 years$1,268$967$727$541$399$181
26 years$1,207$909$675$495$359$156
27 years$1,150$855$627$453$324$136
28 years$1,097$806$582$415$292$117
29 years$1,047$760$542$381$264$102
30 years$1,001$718$505$349$239$88
31 years$959$679$471$321$216$77
32 years$919$642$439$295$195$67
33 years$881$608$410$271$177$58
34 years$846$576$383$249$160$50
35 years$813$547$358$230$145$44
36 years$781$519$335$211$131$38
37 years$752$493$314$195$119$33
38 years$724$468$294$180$108$29
39 years$698$445$275$166$98$25
40 years$673$424$258$153$89$22
41 years$649$403$242$141$80$19
42 years$626$384$227$130$73$16
43 years$605$366$213$120$66$14
44 years$585$349$200$111$60$12
45 years$565$333$188$102$55$11
46 years$547$317$176$95$50$9
47 years$529$303$166$87$45$8
48 years$512$289$156$81$41$7
49 years$496$276$146$75$37$6
50 years$480$264$137$69$34$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $492,000, adding $3,785 every year, while hoping to spend $26,720 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: 45/33/22 Blend
51$492,000$492,000$492,000$492,000
52$546,088$520,012$512,386$567,048
53$573,359$517,063$501,121$579,235
54$602,517$513,074$488,583$589,524
55$633,724$507,965$474,702$600,140
56$667,162$501,653$459,402$611,124
57$703,028$494,049$442,607$622,527
58$741,538$485,059$424,236$634,405
59$782,930$474,583$404,204$646,823
60$827,466$462,514$382,421$659,853
61$875,432$448,741$358,796$673,577
62$927,142$433,146$333,233$688,089
63$982,943$415,603$305,628$703,493
64$1,043,215$395,979$275,878$719,909
65$1,108,374$374,133$243,872$737,470
66$1,178,881$349,918$209,494$756,325
67$1,255,239$323,177$172,624$776,644
68$1,338,003$293,742$133,137$798,615
69$1,427,783$261,439$90,901$822,450
70$1,525,249$226,082$45,779$848,387
71$1,631,140$187,476$0$876,692
72$1,746,267$145,412$0$908,217
73$1,871,522$99,674$0$954,243
74$2,007,888$50,029$0$1,004,418
75$2,156,446$0$0$1,059,195
76$2,318,385$0$0$1,120,440
77$2,495,014$0$0$1,207,109
78$2,687,774$0$0$1,301,748
79$2,898,251$0$0$1,405,144
80$3,128,191$0$0$1,518,160
81$3,379,516$0$0$1,641,749
82$3,654,342$0$0$1,776,959
83$3,954,999$0$0$1,924,945
84$4,284,052$0$0$2,086,978
85$4,644,326$0$0$2,264,457
86$5,038,932$0$0$2,458,924
87$5,471,296$0$0$2,672,077
88$5,945,190$0$0$2,905,786
89$6,464,770$0$0$3,162,109
90$7,034,612$0$0$3,443,315
91$7,659,756$0$0$3,751,901
92$8,345,756$0$0$4,090,621
93$9,098,725$0$0$4,462,506
94$9,925,400$0$0$4,870,893
95$10,833,203$0$0$5,319,462
96$11,830,307$0$0$5,812,266
97$12,925,717$0$0$6,353,766
98$14,129,354$0$0$6,948,883
99$15,452,146$0$0$7,603,033
100$16,906,133$0$0$8,322,185