Can I retire at age 52 with 509,000?

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 $509,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$42,033$41,658$41,293$40,937$40,588$40,165
2 years$20,808$20,421$20,045$19,681$19,328$18,901
3 years$13,734$13,345$12,971$12,610$12,262$11,846
4 years$10,198$9,810$9,439$9,085$8,746$8,342
5 years$8,077$7,691$7,325$6,978$6,648$6,260
6 years$6,663$6,280$5,920$5,580$5,261$4,887
7 years$5,654$5,274$4,919$4,588$4,278$3,920
8 years$4,897$4,521$4,172$3,849$3,549$3,206
9 years$4,309$3,936$3,593$3,278$2,989$2,661
10 years$3,839$3,470$3,133$2,826$2,547$2,234
11 years$3,454$3,089$2,758$2,459$2,190$1,892
12 years$3,134$2,772$2,448$2,157$1,898$1,614
13 years$2,863$2,505$2,187$1,904$1,655$1,386
14 years$2,631$2,277$1,965$1,691$1,451$1,195
15 years$2,431$2,080$1,774$1,508$1,277$1,035
16 years$2,255$1,909$1,608$1,350$1,129$899
17 years$2,100$1,758$1,464$1,213$1,001$784
18 years$1,963$1,624$1,336$1,093$890$685
19 years$1,840$1,505$1,223$988$793$600
20 years$1,730$1,399$1,123$895$709$526
21 years$1,630$1,303$1,033$812$634$462
22 years$1,540$1,216$952$738$568$407
23 years$1,457$1,138$879$672$510$358
24 years$1,382$1,066$813$613$459$316
25 years$1,312$1,000$753$560$413$279
26 years$1,248$940$698$512$372$246
27 years$1,189$885$648$469$335$218
28 years$1,134$834$603$429$302$193
29 years$1,084$787$561$394$273$171
30 years$1,036$743$522$361$247$151
31 years$992$702$487$332$223$134
32 years$950$664$454$305$202$119
33 years$912$629$424$280$183$105
34 years$875$596$396$258$165$93
35 years$841$566$371$238$150$83
36 years$808$537$347$219$136$73
37 years$778$510$324$202$123$65
38 years$749$485$304$186$111$58
39 years$722$461$285$171$101$51
40 years$696$438$267$158$92$46
41 years$671$417$250$146$83$40
42 years$648$397$235$135$75$36
43 years$626$379$220$124$69$32
44 years$605$361$207$115$62$28
45 years$585$344$194$106$56$25
46 years$565$328$182$98$51$22
47 years$547$313$171$90$47$20
48 years$530$299$161$84$42$18
49 years$513$286$151$77$38$16
50 years$497$273$142$71$35$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $509,000, adding $5,880 every year, while hoping to spend $33,288 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: 48/36/16 Blend
51$509,000$509,000$509,000$509,000
52$566,983$540,006$532,117$591,394
53$589,397$531,048$514,524$599,943
54$612,982$520,536$495,227$605,338
55$637,822$508,357$474,133$610,473
56$664,008$494,395$451,144$615,335
57$691,640$478,524$426,161$619,915
58$720,828$460,613$399,079$624,203
59$751,691$440,521$369,786$628,190
60$784,357$418,101$338,168$631,871
61$818,970$393,195$304,104$635,242
62$855,683$365,640$267,470$638,300
63$894,665$335,260$228,133$641,049
64$936,103$301,869$185,958$643,494
65$980,198$265,273$140,800$645,644
66$1,027,172$225,266$92,510$647,514
67$1,077,268$181,628$40,934$649,125
68$1,130,751$134,129$0$650,503
69$1,187,913$82,527$0$654,091
70$1,249,073$26,564$0$665,137
71$1,314,581$0$0$676,728
72$1,384,821$0$0$702,441
73$1,460,215$0$0$741,373
74$1,541,224$0$0$783,247
75$1,628,356$0$0$828,328
76$1,722,168$0$0$876,911
77$1,823,272$0$0$929,319
78$1,932,341$0$0$985,905
79$2,050,112$0$0$1,047,060
80$2,177,396$0$0$1,113,212
81$2,315,086$0$0$1,184,830
82$2,464,162$0$0$1,262,433
83$2,625,701$0$0$1,346,589
84$2,800,888$0$0$1,437,923
85$2,991,026$0$0$1,537,124
86$3,197,549$0$0$1,644,949
87$3,422,032$0$0$1,762,229
88$3,666,209$0$0$1,889,880
89$3,931,990$0$0$2,028,911
90$4,221,472$0$0$2,180,431
91$4,536,967$0$0$2,345,660
92$4,881,017$0$0$2,525,941
93$5,256,421$0$0$2,722,753
94$5,666,258$0$0$2,937,723
95$6,113,919$0$0$3,172,644
96$6,603,138$0$0$3,429,487
97$7,138,023$0$0$3,710,426
98$7,723,100$0$0$4,017,851
99$8,363,349$0$0$4,354,396
100$9,064,258$0$0$4,722,960