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%12%
1 years$40,959$40,594$40,238$39,891$39,552$39,220
2 years$20,277$19,899$19,533$19,178$18,834$18,500
3 years$13,384$13,004$12,639$12,288$11,949$11,623
4 years$9,938$9,560$9,198$8,853$8,522$8,206
5 years$7,871$7,495$7,138$6,800$6,478$6,174
6 years$6,493$6,120$5,769$5,438$5,126$4,833
7 years$5,510$5,140$4,794$4,471$4,169$3,887
8 years$4,772$4,406$4,066$3,750$3,459$3,189
9 years$4,199$3,836$3,502$3,194$2,913$2,654
10 years$3,741$3,381$3,053$2,754$2,482$2,235
11 years$3,366$3,010$2,688$2,397$2,134$1,899
12 years$3,054$2,702$2,385$2,102$1,850$1,625
13 years$2,790$2,441$2,131$1,856$1,613$1,399
14 years$2,564$2,219$1,915$1,647$1,414$1,211
15 years$2,368$2,027$1,729$1,469$1,245$1,052
16 years$2,197$1,860$1,567$1,315$1,100$917
17 years$2,047$1,713$1,426$1,182$976$802
18 years$1,913$1,583$1,302$1,065$867$704
19 years$1,793$1,467$1,192$962$773$618
20 years$1,686$1,363$1,094$872$691$544
21 years$1,589$1,270$1,006$791$618$480
22 years$1,500$1,185$927$719$554$424
23 years$1,420$1,109$856$655$497$375
24 years$1,346$1,039$792$597$447$332
25 years$1,279$975$733$546$402$294
26 years$1,216$916$680$499$362$261
27 years$1,159$862$632$457$327$232
28 years$1,105$812$587$418$295$206
29 years$1,056$766$546$384$266$183
30 years$1,010$724$509$352$240$163
31 years$966$684$475$323$217$145
32 years$926$647$443$297$197$129
33 years$888$613$413$273$178$115
34 years$853$581$386$251$161$102
35 years$819$551$361$231$146$91
36 years$788$523$338$213$132$81
37 years$758$497$316$196$120$72
38 years$730$472$296$181$109$64
39 years$703$449$277$167$99$57
40 years$678$427$260$154$89$51
41 years$654$407$244$142$81$46
42 years$631$387$229$131$74$41
43 years$610$369$215$121$67$36
44 years$589$352$201$112$61$32
45 years$570$335$189$103$55$29
46 years$551$320$178$95$50$26
47 years$533$305$167$88$45$23
48 years$516$291$157$81$41$21
49 years$500$278$147$75$37$18
50 years$484$266$139$70$34$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $496,000, adding $3,523 every year, while hoping to spend $43,566 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: 52/24/24 Blend
51$496,000$496,000$496,000$496,000
52$550,226$523,938$516,250$574,994
53$559,995$503,257$487,190$571,819
54$569,301$480,103$455,697$563,617
55$578,049$454,307$421,643$553,799
56$586,136$425,695$384,894$542,227
57$593,446$394,078$345,312$528,755
58$599,848$359,258$302,751$513,221
59$605,198$321,027$257,058$495,452
60$609,335$279,165$208,077$475,262
61$612,080$233,436$155,640$452,449
62$613,234$183,596$99,575$426,792
63$612,575$129,383$39,702$398,055
64$609,857$70,523$0$365,982
65$604,809$6,725$0$336,490
66$597,127$0$0$314,335
67$586,477$0$0$305,522
68$572,486$0$0$296,543
69$554,742$0$0$285,382
70$532,791$0$0$271,779
71$506,127$0$0$255,444
72$474,191$0$0$236,054
73$436,366$0$0$213,254
74$391,968$0$0$186,653
75$340,240$0$0$155,815
76$280,347$0$0$120,261
77$211,366$0$0$79,459
78$132,274$0$0$32,825
79$41,945$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0