Can I retire at age 52 with 505,000?

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 $505,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$41,702$41,331$40,969$40,615$40,269$38,949
2 years$20,645$20,260$19,888$19,526$19,176$17,858
3 years$13,626$13,240$12,869$12,511$12,166$10,893
4 years$10,118$9,733$9,365$9,013$8,677$7,457
5 years$8,013$7,631$7,268$6,923$6,596$5,434
6 years$6,611$6,231$5,873$5,536$5,219$4,115
7 years$5,609$5,233$4,881$4,552$4,245$3,198
8 years$4,859$4,486$4,139$3,818$3,521$2,532
9 years$4,275$3,905$3,565$3,252$2,965$2,032
10 years$3,809$3,442$3,108$2,804$2,527$1,648
11 years$3,427$3,065$2,736$2,440$2,173$1,347
12 years$3,109$2,751$2,428$2,140$1,883$1,108
13 years$2,841$2,486$2,170$1,889$1,642$916
14 years$2,611$2,260$1,949$1,677$1,439$761
15 years$2,411$2,064$1,760$1,496$1,267$634
16 years$2,237$1,894$1,596$1,339$1,120$529
17 years$2,084$1,744$1,452$1,203$993$443
18 years$1,948$1,612$1,326$1,085$883$372
19 years$1,826$1,494$1,214$980$787$312
20 years$1,716$1,388$1,114$888$703$262
21 years$1,617$1,293$1,024$805$629$221
22 years$1,528$1,207$944$732$564$186
23 years$1,446$1,129$872$667$506$157
24 years$1,371$1,058$806$608$455$133
25 years$1,302$992$747$556$409$112
26 years$1,239$933$693$508$369$95
27 years$1,180$878$643$465$333$80
28 years$1,126$827$598$426$300$68
29 years$1,075$780$556$391$271$57
30 years$1,028$737$518$359$245$48
31 years$984$697$483$329$221$41
32 years$943$659$451$303$200$35
33 years$904$624$421$278$181$29
34 years$868$592$393$256$164$25
35 years$834$561$368$236$149$21
36 years$802$533$344$217$135$18
37 years$772$506$322$200$122$15
38 years$743$481$301$184$111$13
39 years$716$457$282$170$100$11
40 years$690$435$265$157$91$9
41 years$666$414$248$145$83$8
42 years$643$394$233$133$75$7
43 years$621$376$218$123$68$6
44 years$600$358$205$114$62$5
45 years$580$341$193$105$56$4
46 years$561$326$181$97$51$3
47 years$543$311$170$90$46$3
48 years$526$297$160$83$42$2
49 years$509$283$150$77$38$2
50 years$493$271$141$71$35$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $505,000, adding $6,404 every year, while hoping to spend $33,244 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: 52/32/16 Blend
51$505,000$505,000$505,000$505,000
52$563,116$536,351$528,523$589,637
53$585,182$527,261$510,857$599,419
54$608,385$516,611$491,486$606,020
55$632,806$504,290$470,315$612,462
56$658,531$490,180$447,251$618,742
57$685,658$474,155$422,190$624,854
58$714,291$456,084$395,029$630,798
59$744,543$435,827$365,657$636,573
60$776,539$413,235$333,959$642,181
61$810,414$388,151$299,814$647,630
62$846,316$360,410$263,098$652,925
63$884,407$329,838$223,679$658,081
64$924,864$296,247$181,420$663,114
65$967,881$259,444$136,178$668,045
66$1,013,669$219,221$87,804$672,901
67$1,062,459$175,359$36,142$677,718
68$1,114,507$127,628$0$682,534
69$1,170,089$75,784$0$690,644
70$1,229,510$19,569$0$705,657
71$1,293,104$0$0$721,499
72$1,361,238$0$0$752,820
73$1,434,313$0$0$793,837
74$1,512,770$0$0$837,911
75$1,597,092$0$0$885,319
76$1,687,811$0$0$936,363
77$1,785,510$0$0$991,378
78$1,890,828$0$0$1,050,728
79$2,004,469$0$0$1,114,816
80$2,127,206$0$0$1,184,084
81$2,259,889$0$0$1,259,017
82$2,403,449$0$0$1,340,149
83$2,558,914$0$0$1,428,068
84$2,727,412$0$0$1,523,417
85$2,910,182$0$0$1,626,907
86$3,108,588$0$0$1,739,319
87$3,324,131$0$0$1,861,510
88$3,558,462$0$0$1,994,425
89$3,813,395$0$0$2,139,103
90$4,090,928$0$0$2,296,688
91$4,393,260$0$0$2,468,438
92$4,722,809$0$0$2,655,736
93$5,082,237$0$0$2,860,109
94$5,474,474$0$0$3,083,231
95$5,902,746$0$0$3,326,952
96$6,370,603$0$0$3,593,302
97$6,881,952$0$0$3,884,521
98$7,441,099$0$0$4,203,072
99$8,052,779$0$0$4,551,669
100$8,722,211$0$0$4,933,299