Can I retire at age 52 with 501,000?

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 $501,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$41,372$41,004$40,644$40,293$39,950$38,579
2 years$20,481$20,100$19,730$19,372$19,024$17,656
3 years$13,519$13,135$12,767$12,412$12,070$10,749
4 years$10,038$9,656$9,291$8,942$8,608$7,344
5 years$7,950$7,570$7,210$6,868$6,544$5,340
6 years$6,559$6,182$5,827$5,493$5,178$4,035
7 years$5,565$5,191$4,842$4,516$4,211$3,129
8 years$4,820$4,450$4,107$3,788$3,493$2,471
9 years$4,241$3,875$3,537$3,227$2,942$1,978
10 years$3,778$3,415$3,084$2,781$2,507$1,600
11 years$3,400$3,040$2,715$2,421$2,156$1,305
12 years$3,085$2,729$2,409$2,123$1,868$1,071
13 years$2,818$2,466$2,153$1,875$1,629$883
14 years$2,590$2,242$1,934$1,664$1,428$731
15 years$2,392$2,048$1,746$1,484$1,257$607
16 years$2,220$1,879$1,583$1,329$1,111$506
17 years$2,067$1,730$1,441$1,194$985$422
18 years$1,932$1,599$1,315$1,076$876$353
19 years$1,811$1,482$1,204$972$781$295
20 years$1,703$1,377$1,105$880$698$248
21 years$1,605$1,283$1,016$799$624$208
22 years$1,516$1,197$937$727$560$175
23 years$1,434$1,120$865$662$502$147
24 years$1,360$1,049$800$604$451$124
25 years$1,292$985$741$551$406$104
26 years$1,229$925$687$504$366$88
27 years$1,171$871$638$461$330$74
28 years$1,117$821$593$423$298$62
29 years$1,067$774$552$388$269$52
30 years$1,020$731$514$356$243$44
31 years$976$691$479$327$220$37
32 years$935$654$447$300$199$31
33 years$897$619$418$276$180$26
34 years$861$587$390$254$163$22
35 years$828$557$365$234$147$19
36 years$796$528$341$215$134$16
37 years$766$502$319$198$121$13
38 years$737$477$299$183$110$11
39 years$710$454$280$169$100$10
40 years$685$432$263$156$90$8
41 years$661$411$246$144$82$7
42 years$638$391$231$132$74$6
43 years$616$373$217$122$67$5
44 years$595$355$203$113$61$4
45 years$575$339$191$104$56$3
46 years$557$323$179$96$50$3
47 years$539$308$169$89$46$2
48 years$521$294$158$82$42$2
49 years$505$281$149$76$38$2
50 years$489$269$140$70$34$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $501,000, adding $4,899 every year, while hoping to spend $33,102 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: 32/40/28 Blend
51$501,000$501,000$501,000$501,000
52$557,155$530,602$522,837$570,103
53$578,765$521,382$505,132$571,213
54$601,469$510,600$485,724$569,147
55$625,345$498,145$464,521$566,276
56$650,476$483,899$441,428$562,550
57$676,952$467,738$416,344$557,922
58$704,873$449,529$389,163$552,339
59$734,346$429,133$359,777$545,750
60$765,490$406,400$328,069$538,101
61$798,431$381,175$293,921$529,336
62$833,311$353,293$257,207$519,400
63$870,282$322,577$217,797$508,235
64$909,511$288,843$175,553$495,783
65$951,180$251,896$130,334$481,985
66$995,491$211,529$81,990$466,782
67$1,042,660$167,524$30,366$450,115
68$1,092,929$119,650$0$431,924
69$1,146,558$67,663$0$419,538
70$1,203,835$11,307$0$415,674
71$1,265,075$0$0$411,247
72$1,330,622$0$0$428,129
73$1,400,855$0$0$451,602
74$1,476,189$0$0$476,832
75$1,557,079$0$0$503,979
76$1,644,025$0$0$533,219
77$1,737,575$0$0$564,743
78$1,838,332$0$0$598,762
79$1,946,957$0$0$635,508
80$2,064,177$0$0$675,236
81$2,190,790$0$0$718,226
82$2,327,675$0$0$764,785
83$2,475,794$0$0$815,252
84$2,636,208$0$0$870,000
85$2,810,082$0$0$929,436
86$2,998,699$0$0$994,013
87$3,203,468$0$0$1,064,223
88$3,425,938$0$0$1,140,614
89$3,667,815$0$0$1,223,783
90$3,930,975$0$0$1,314,390
91$4,217,483$0$0$1,413,161
92$4,529,609$0$0$1,520,896
93$4,869,853$0$0$1,638,472
94$5,240,966$0$0$1,766,858
95$5,645,975$0$0$1,907,119
96$6,088,214$0$0$2,060,428
97$6,571,352$0$0$2,228,076
98$7,099,427$0$0$2,411,486
99$7,676,887$0$0$2,612,221
100$8,308,626$0$0$2,832,007