Can I retire at age 52 with 498,000?

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 $498,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$41,124$40,758$40,401$40,052$39,711$38,440
2 years$20,359$19,979$19,612$19,256$18,910$17,641
3 years$13,438$13,057$12,690$12,337$11,997$10,770
4 years$9,978$9,598$9,235$8,888$8,557$7,381
5 years$7,902$7,525$7,167$6,827$6,505$5,384
6 years$6,519$6,145$5,792$5,460$5,147$4,081
7 years$5,532$5,160$4,813$4,489$4,186$3,176
8 years$4,791$4,423$4,082$3,765$3,473$2,517
9 years$4,216$3,851$3,516$3,207$2,924$2,023
10 years$3,756$3,395$3,065$2,765$2,492$1,642
11 years$3,380$3,022$2,698$2,406$2,143$1,344
12 years$3,066$2,713$2,395$2,111$1,857$1,107
13 years$2,801$2,451$2,140$1,863$1,619$917
14 years$2,574$2,228$1,922$1,654$1,420$762
15 years$2,378$2,036$1,736$1,475$1,250$636
16 years$2,206$1,868$1,574$1,321$1,105$532
17 years$2,055$1,720$1,432$1,187$979$446
18 years$1,921$1,589$1,307$1,069$871$374
19 years$1,800$1,473$1,197$966$776$315
20 years$1,693$1,369$1,098$875$693$265
21 years$1,595$1,275$1,010$794$620$224
22 years$1,506$1,190$931$722$556$189
23 years$1,426$1,113$860$658$499$160
24 years$1,352$1,043$795$600$449$135
25 years$1,284$979$736$548$404$114
26 years$1,221$920$683$501$364$96
27 years$1,164$866$634$459$328$82
28 years$1,110$816$590$420$296$69
29 years$1,060$770$549$385$267$59
30 years$1,014$727$511$354$241$50
31 years$970$687$476$325$218$42
32 years$930$650$445$298$197$36
33 years$892$616$415$274$179$30
34 years$856$583$388$252$162$26
35 years$823$553$363$232$147$22
36 years$791$525$339$214$133$18
37 years$761$499$317$197$120$16
38 years$733$474$297$182$109$13
39 years$706$451$279$168$99$11
40 years$681$429$261$155$90$9
41 years$657$408$245$143$81$8
42 years$634$389$230$132$74$7
43 years$612$370$215$122$67$6
44 years$592$353$202$112$61$5
45 years$572$337$190$104$55$4
46 years$553$321$178$96$50$4
47 years$535$307$168$88$46$3
48 years$518$293$157$82$41$3
49 years$502$279$148$76$38$2
50 years$486$267$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 $498,000, adding $5,586 every year, while hoping to spend $39,720 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: 72/21/7 Blend
51$498,000$498,000$498,000$498,000
52$554,558$528,164$520,445$593,513
53$568,861$511,782$495,618$603,591
54$583,292$493,267$468,628$609,124
55$597,821$472,470$439,361$614,072
56$612,417$449,239$407,697$618,366
57$627,039$423,408$373,511$621,931
58$641,647$394,804$336,673$624,684
59$656,189$363,244$297,046$626,537
60$670,612$328,534$254,489$627,394
61$684,851$290,470$208,851$627,147
62$698,837$248,834$159,979$625,684
63$712,490$203,398$107,709$622,877
64$725,720$153,920$51,873$618,591
65$738,426$100,145$0$612,678
66$750,498$41,804$0$605,552
67$761,808$0$0$600,633
68$772,217$0$0$598,807
69$781,568$0$0$605,789
70$789,686$0$0$611,778
71$796,376$0$0$616,621
72$801,423$0$0$620,144
73$804,584$0$0$622,157
74$805,593$0$0$622,446
75$804,151$0$0$620,774
76$799,928$0$0$616,880
77$792,558$0$0$610,471
78$781,633$0$0$601,224
79$766,704$0$0$588,781
80$747,270$0$0$572,746
81$722,778$0$0$552,678
82$692,616$0$0$528,091
83$656,105$0$0$498,445
84$612,494$0$0$463,146
85$560,953$0$0$421,532
86$500,564$0$0$372,874
87$430,310$0$0$316,367
88$349,069$0$0$251,118
89$255,599$0$0$176,141
90$148,530$0$0$90,348
91$26,346$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