Can I retire at age 52 with 510,000?

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 $510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$42,115$41,740$41,374$41,017$40,668$39,163
2 years$20,849$20,461$20,085$19,720$19,366$17,866
3 years$13,761$13,371$12,996$12,635$12,286$10,840
4 years$10,218$9,829$9,458$9,103$8,763$7,380
5 years$8,093$7,706$7,340$6,992$6,661$5,346
6 years$6,676$6,293$5,932$5,591$5,271$4,024
7 years$5,665$5,285$4,929$4,597$4,287$3,108
8 years$4,907$4,530$4,180$3,856$3,556$2,445
9 years$4,317$3,944$3,600$3,285$2,995$1,949
10 years$3,846$3,477$3,139$2,831$2,552$1,569
11 years$3,461$3,095$2,764$2,464$2,195$1,274
12 years$3,140$2,778$2,453$2,161$1,902$1,040
13 years$2,869$2,510$2,191$1,908$1,658$854
14 years$2,637$2,282$1,969$1,694$1,454$703
15 years$2,435$2,085$1,778$1,511$1,280$581
16 years$2,259$1,913$1,612$1,353$1,131$482
17 years$2,104$1,761$1,466$1,215$1,003$400
18 years$1,967$1,628$1,339$1,095$892$333
19 years$1,844$1,508$1,226$990$795$277
20 years$1,733$1,402$1,125$896$710$231
21 years$1,633$1,306$1,035$813$635$193
22 years$1,543$1,219$953$740$570$161
23 years$1,460$1,140$880$674$511$135
24 years$1,384$1,068$814$614$460$113
25 years$1,315$1,002$754$561$414$94
26 years$1,251$942$699$513$372$79
27 years$1,192$887$649$470$336$66
28 years$1,137$835$604$430$303$55
29 years$1,086$788$562$395$274$46
30 years$1,038$744$523$362$247$39
31 years$994$704$488$333$224$33
32 years$952$666$455$306$202$27
33 years$913$630$425$281$183$23
34 years$877$598$397$259$166$19
35 years$842$567$371$238$150$16
36 years$810$538$347$219$136$14
37 years$779$511$325$202$123$11
38 years$751$486$304$186$112$10
39 years$723$462$285$172$101$8
40 years$697$439$267$158$92$7
41 years$673$418$251$146$83$6
42 years$649$398$235$135$76$5
43 years$627$379$221$124$69$4
44 years$606$362$207$115$62$3
45 years$586$345$194$106$57$3
46 years$567$329$183$98$51$2
47 years$548$314$172$91$47$2
48 years$531$300$161$84$42$2
49 years$514$286$152$77$38$1
50 years$498$273$143$71$35$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $510,000, adding $5,067 every year, while hoping to spend $38,945 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: 53/37/10 Blend
51$510,000$510,000$510,000$510,000
52$567,247$540,217$532,312$595,600
53$583,669$525,250$508,707$600,468
54$600,460$508,245$483,006$601,117
55$617,618$489,060$455,098$600,910
56$635,138$467,546$424,866$599,773
57$653,012$443,546$392,189$597,628
58$671,231$416,892$356,939$594,392
59$689,785$387,407$318,985$589,978
60$708,658$354,906$278,187$584,288
61$727,835$319,190$234,400$577,224
62$747,296$280,052$187,473$568,675
63$767,016$237,270$137,249$558,528
64$786,967$190,612$83,563$546,657
65$807,117$139,832$26,242$532,931
66$827,429$84,669$0$517,209
67$847,859$24,851$0$503,067
68$868,358$0$0$489,847
69$888,870$0$0$490,844
70$909,330$0$0$501,902
71$929,665$0$0$512,859
72$949,794$0$0$523,667
73$969,622$0$0$534,269
74$989,046$0$0$544,605
75$1,007,948$0$0$554,603
76$1,026,195$0$0$564,186
77$1,043,640$0$0$573,267
78$1,060,117$0$0$581,748
79$1,075,439$0$0$589,518
80$1,089,402$0$0$596,457
81$1,101,773$0$0$602,428
82$1,112,295$0$0$607,280
83$1,120,682$0$0$610,844
84$1,126,614$0$0$612,932
85$1,129,738$0$0$613,337
86$1,129,660$0$0$611,826
87$1,125,941$0$0$608,143
88$1,118,095$0$0$602,003
89$1,105,585$0$0$593,088
90$1,087,812$0$0$581,050
91$1,064,115$0$0$565,499
92$1,033,758$0$0$546,004
93$995,930$0$0$522,091
94$949,731$0$0$493,230
95$894,163$0$0$458,839
96$828,127$0$0$418,273
97$750,401$0$0$370,816
98$659,638$0$0$315,680
99$554,347$0$0$251,992
100$432,881$0$0$178,787