Can I retire at age 52 with 497,000?

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 $497,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$41,042$40,676$40,320$39,971$39,631$39,332
2 years$20,318$19,939$19,573$19,217$18,872$18,570
3 years$13,411$13,031$12,665$12,313$11,973$11,678
4 years$9,958$9,579$9,217$8,870$8,539$8,254
5 years$7,887$7,510$7,153$6,813$6,492$6,216
6 years$6,506$6,132$5,780$5,449$5,137$4,871
7 years$5,521$5,150$4,803$4,480$4,177$3,923
8 years$4,782$4,415$4,074$3,758$3,466$3,221
9 years$4,207$3,844$3,509$3,201$2,918$2,685
10 years$3,748$3,388$3,059$2,759$2,487$2,263
11 years$3,373$3,016$2,693$2,401$2,139$1,925
12 years$3,060$2,707$2,390$2,106$1,853$1,650
13 years$2,796$2,446$2,135$1,860$1,616$1,422
14 years$2,569$2,224$1,919$1,651$1,417$1,232
15 years$2,373$2,031$1,732$1,472$1,247$1,072
16 years$2,202$1,864$1,571$1,318$1,102$936
17 years$2,051$1,716$1,429$1,184$977$820
18 years$1,917$1,586$1,305$1,067$869$720
19 years$1,797$1,470$1,194$964$775$634
20 years$1,689$1,366$1,096$873$692$559
21 years$1,592$1,272$1,008$793$619$493
22 years$1,503$1,188$929$721$555$436
23 years$1,423$1,111$858$656$498$387
24 years$1,349$1,041$793$599$448$343
25 years$1,281$977$735$547$403$304
26 years$1,219$918$682$500$363$270
27 years$1,161$864$633$458$327$240
28 years$1,108$814$588$419$295$214
29 years$1,058$768$548$384$267$190
30 years$1,012$725$510$353$241$169
31 years$968$686$475$324$218$151
32 years$928$649$444$298$197$135
33 years$890$614$414$274$178$120
34 years$854$582$387$252$161$107
35 years$821$552$362$232$146$96
36 years$789$524$338$214$132$85
37 years$760$498$317$197$120$76
38 years$731$473$297$181$109$68
39 years$705$450$278$167$99$61
40 years$679$428$261$154$90$54
41 years$656$407$244$142$81$48
42 years$633$388$229$131$74$43
43 years$611$370$215$121$67$39
44 years$591$352$202$112$61$35
45 years$571$336$190$103$55$31
46 years$552$321$178$96$50$28
47 years$534$306$167$88$45$25
48 years$517$292$157$82$41$22
49 years$501$279$148$75$37$20
50 years$485$266$139$70$34$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $497,000, adding $4,591 every year, while hoping to spend $27,492 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: 26/50/24 Blend
51$497,000$497,000$497,000$497,000
52$552,430$526,089$518,385$562,516
53$579,526$522,616$506,500$567,518
54$608,465$518,051$493,295$570,194
55$639,405$512,313$478,697$572,485
56$672,521$505,312$462,630$574,374
57$708,004$496,958$445,013$575,848
58$746,062$487,151$425,763$576,896
59$786,927$475,787$404,792$577,506
60$830,849$462,757$382,009$577,671
61$878,108$447,944$357,318$577,385
62$929,005$431,224$330,619$576,646
63$983,876$412,466$301,807$575,455
64$1,043,087$391,533$270,774$573,817
65$1,107,042$368,278$237,404$571,744
66$1,176,184$342,547$201,581$569,252
67$1,250,999$314,176$163,178$566,363
68$1,332,022$282,992$122,066$563,109
69$1,419,843$248,813$78,110$559,528
70$1,515,108$211,446$31,167$555,670
71$1,618,529$170,687$0$551,595
72$1,730,889$126,320$0$552,224
73$1,853,048$78,119$0$561,630
74$1,985,955$25,842$0$571,967
75$2,130,650$0$0$583,402
76$2,288,281$0$0$613,047
77$2,460,111$0$0$660,938
78$2,647,527$0$0$713,253
79$2,852,059$0$0$770,428
80$3,075,390$0$0$832,944
81$3,319,372$0$0$901,331
82$3,586,044$0$0$976,171
83$3,877,652$0$0$1,058,107
84$4,196,667$0$0$1,147,844
85$4,545,812$0$0$1,246,162
86$4,928,083$0$0$1,353,917
87$5,346,783$0$0$1,472,053
88$5,805,545$0$0$1,601,610
89$6,308,372$0$0$1,743,734
90$6,859,674$0$0$1,899,685
91$7,464,305$0$0$2,070,853
92$8,127,615$0$0$2,258,768
93$8,855,494$0$0$2,465,116
94$9,654,431$0$0$2,691,755
95$10,531,572$0$0$2,940,729
96$11,494,793$0$0$3,214,292
97$12,552,766$0$0$3,514,928
98$13,715,045$0$0$3,845,371
99$14,992,157$0$0$4,208,634
100$16,395,696$0$0$4,608,039