Can I retire at age 52 with 496,000?

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 $496,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$40,959$40,594$40,238$39,891$39,552$38,378
2 years$20,277$19,899$19,533$19,178$18,834$17,661
3 years$13,384$13,004$12,639$12,288$11,949$10,814
4 years$9,938$9,560$9,198$8,853$8,522$7,433
5 years$7,871$7,495$7,138$6,800$6,478$5,439
6 years$6,493$6,120$5,769$5,438$5,126$4,137
7 years$5,510$5,140$4,794$4,471$4,169$3,230
8 years$4,772$4,406$4,066$3,750$3,459$2,569
9 years$4,199$3,836$3,502$3,194$2,913$2,072
10 years$3,741$3,381$3,053$2,754$2,482$1,689
11 years$3,366$3,010$2,688$2,397$2,134$1,388
12 years$3,054$2,702$2,385$2,102$1,850$1,148
13 years$2,790$2,441$2,131$1,856$1,613$954
14 years$2,564$2,219$1,915$1,647$1,414$796
15 years$2,368$2,027$1,729$1,469$1,245$667
16 years$2,197$1,860$1,567$1,315$1,100$560
17 years$2,047$1,713$1,426$1,182$976$472
18 years$1,913$1,583$1,302$1,065$867$398
19 years$1,793$1,467$1,192$962$773$336
20 years$1,686$1,363$1,094$872$691$285
21 years$1,589$1,270$1,006$791$618$241
22 years$1,500$1,185$927$719$554$205
23 years$1,420$1,109$856$655$497$174
24 years$1,346$1,039$792$597$447$147
25 years$1,279$975$733$546$402$125
26 years$1,216$916$680$499$362$106
27 years$1,159$862$632$457$327$91
28 years$1,105$812$587$418$295$77
29 years$1,056$766$546$384$266$66
30 years$1,010$724$509$352$240$56
31 years$966$684$475$323$217$48
32 years$926$647$443$297$197$40
33 years$888$613$413$273$178$34
34 years$853$581$386$251$161$29
35 years$819$551$361$231$146$25
36 years$788$523$338$213$132$21
37 years$758$497$316$196$120$18
38 years$730$472$296$181$109$15
39 years$703$449$277$167$99$13
40 years$678$427$260$154$89$11
41 years$654$407$244$142$81$10
42 years$631$387$229$131$74$8
43 years$610$369$215$121$67$7
44 years$589$352$201$112$61$6
45 years$570$335$189$103$55$5
46 years$551$320$178$95$50$4
47 years$533$305$167$88$45$4
48 years$516$291$157$81$41$3
49 years$500$278$147$75$37$3
50 years$484$266$139$70$34$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $496,000, adding $5,341 every year, while hoping to spend $24,055 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: 86/5/9 Blend
51$496,000$496,000$496,000$496,000
52$552,101$525,813$518,125$598,496
53$582,821$525,984$509,888$629,751
54$615,868$525,356$500,569$660,246
55$651,455$523,867$490,106$692,998
56$689,813$521,446$478,434$728,219
57$731,199$518,022$465,487$766,140
58$775,894$513,518$451,193$807,017
59$824,206$507,851$435,479$851,133
60$876,475$500,936$418,268$898,796
61$933,074$492,680$399,478$950,348
62$994,413$482,986$379,025$1,006,165
63$1,060,942$471,752$356,822$1,066,661
64$1,133,158$458,867$332,775$1,132,291
65$1,211,605$444,217$306,789$1,203,558
66$1,296,885$427,680$278,762$1,281,014
67$1,389,657$409,126$248,590$1,365,269
68$1,490,647$388,418$216,163$1,456,993
69$1,600,654$365,411$181,365$1,556,925
70$1,720,557$339,953$144,078$1,665,879
71$1,851,325$311,882$104,176$1,784,754
72$1,994,022$281,026$61,527$1,914,537
73$2,149,821$247,205$15,997$2,056,317
74$2,320,013$210,228$0$2,211,295
75$2,506,017$169,892$0$2,383,922
76$2,709,399$125,985$0$2,574,368
77$2,931,880$78,281$0$2,782,716
78$3,175,357$26,542$0$3,010,751
79$3,441,919$0$0$3,260,439
80$3,733,864$0$0$3,535,566
81$4,053,725$0$0$3,838,607
82$4,404,290$0$0$4,170,745
83$4,788,631$0$0$4,534,889
84$5,210,131$0$0$4,934,246
85$5,672,515$0$0$5,372,346
86$6,179,887$0$0$5,853,079
87$6,736,768$0$0$6,380,729
88$7,348,136$0$0$6,960,014
89$8,019,477$0$0$7,596,132
90$8,756,832$0$0$8,294,809
91$9,566,857$0$0$9,062,353
92$10,456,885$0$0$9,905,714
93$11,434,993$0$0$10,832,545
94$12,510,081$0$0$11,851,282
95$13,691,953$0$0$12,971,215
96$14,991,409$0$0$14,202,581
97$16,420,351$0$0$15,556,657
98$17,991,889$0$0$17,045,870
99$19,720,468$0$0$18,683,910
100$21,622,005$0$0$20,485,859