Can I retire at age 52 with 499,000?

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 $499,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$41,207$40,840$40,482$40,132$39,791$39,084
2 years$20,399$20,020$19,651$19,294$18,948$18,238
3 years$13,465$13,083$12,716$12,362$12,021$11,330
4 years$9,998$9,617$9,254$8,906$8,574$7,907
5 years$7,918$7,540$7,181$6,841$6,518$5,878
6 years$6,532$6,157$5,804$5,471$5,157$4,544
7 years$5,543$5,171$4,823$4,498$4,194$3,609
8 years$4,801$4,432$4,090$3,773$3,479$2,921
9 years$4,224$3,859$3,523$3,214$2,930$2,399
10 years$3,763$3,402$3,071$2,770$2,497$1,992
11 years$3,386$3,028$2,704$2,411$2,147$1,668
12 years$3,072$2,718$2,400$2,115$1,861$1,407
13 years$2,807$2,456$2,144$1,867$1,623$1,193
14 years$2,580$2,233$1,926$1,657$1,422$1,017
15 years$2,383$2,040$1,739$1,478$1,252$870
16 years$2,211$1,871$1,577$1,323$1,107$747
17 years$2,059$1,723$1,435$1,189$981$642
18 years$1,924$1,592$1,310$1,072$873$554
19 years$1,804$1,476$1,199$968$778$479
20 years$1,696$1,371$1,100$877$695$414
21 years$1,598$1,277$1,012$796$622$359
22 years$1,509$1,192$933$724$557$312
23 years$1,429$1,115$861$659$500$271
24 years$1,355$1,045$797$601$450$236
25 years$1,286$981$738$549$405$205
26 years$1,224$922$684$502$364$179
27 years$1,166$867$635$459$329$156
28 years$1,112$817$591$421$296$136
29 years$1,062$771$550$386$268$118
30 years$1,016$728$512$354$242$103
31 years$972$688$477$325$219$90
32 years$932$651$445$299$198$79
33 years$894$617$416$275$179$69
34 years$858$585$389$253$162$60
35 years$824$554$363$233$147$52
36 years$793$526$340$214$133$46
37 years$763$500$318$198$121$40
38 years$734$475$298$182$109$35
39 years$708$452$279$168$99$31
40 years$682$430$262$155$90$27
41 years$658$409$245$143$82$23
42 years$635$390$230$132$74$20
43 years$614$371$216$122$67$18
44 years$593$354$203$112$61$16
45 years$573$337$190$104$55$14
46 years$554$322$179$96$50$12
47 years$536$307$168$89$46$10
48 years$519$293$158$82$41$9
49 years$503$280$148$76$38$8
50 years$487$268$139$70$34$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $499,000, adding $5,587 every year, while hoping to spend $32,823 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: 45/29/26 Blend
51$499,000$499,000$499,000$499,000
52$555,661$529,214$521,479$576,275
53$577,415$520,222$504,026$582,437
54$600,288$509,689$484,887$585,508
55$624,359$497,506$463,972$588,197
56$649,715$483,555$441,187$590,485
57$676,450$467,713$416,430$592,354
58$704,666$449,850$389,599$593,788
59$734,476$429,826$360,585$594,772
60$766,001$407,496$329,273$595,290
61$799,375$382,706$295,546$595,330
62$834,744$355,291$259,279$594,880
63$872,266$325,078$220,343$593,934
64$912,114$291,884$178,602$592,484
65$954,480$255,517$133,915$590,529
66$999,572$215,771$86,136$588,070
67$1,047,616$172,432$35,109$585,113
68$1,098,862$125,271$0$581,669
69$1,153,584$74,047$0$583,122
70$1,212,081$18,507$0$594,874
71$1,274,681$0$0$607,253
72$1,341,743$0$0$633,634
73$1,413,662$0$0$668,300
74$1,490,872$0$0$705,557
75$1,573,847$0$0$745,640
76$1,663,109$0$0$788,808
77$1,759,230$0$0$835,343
78$1,862,841$0$0$885,556
79$1,974,631$0$0$939,789
80$2,095,359$0$0$998,416
81$2,225,861$0$0$1,061,850
82$2,367,052$0$0$1,130,546
83$2,519,940$0$0$1,205,000
84$2,685,633$0$0$1,285,761
85$2,865,350$0$0$1,373,432
86$3,060,431$0$0$1,468,676
87$3,272,348$0$0$1,572,223
88$3,502,723$0$0$1,684,874
89$3,753,338$0$0$1,807,512
90$4,026,157$0$0$1,941,109
91$4,323,338$0$0$2,086,734
92$4,647,256$0$0$2,245,563
93$5,000,527$0$0$2,418,891
94$5,386,027$0$0$2,608,143
95$5,806,925$0$0$2,814,889
96$6,266,708$0$0$3,040,855
97$6,769,213$0$0$3,287,943
98$7,318,669$0$0$3,558,248
99$7,919,727$0$0$3,854,074
100$8,577,512$0$0$4,177,959