Can I retire at age 52 with 511,000?

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 $511,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$42,198$41,822$41,455$41,097$40,748$39,763
2 years$20,890$20,501$20,124$19,758$19,404$18,417
3 years$13,788$13,398$13,022$12,659$12,311$11,353
4 years$10,238$9,849$9,476$9,120$8,780$7,860
5 years$8,109$7,721$7,354$7,005$6,674$5,793
6 years$6,689$6,305$5,943$5,602$5,281$4,440
7 years$5,676$5,295$4,939$4,606$4,295$3,495
8 years$4,916$4,539$4,188$3,864$3,563$2,803
9 years$4,326$3,952$3,608$3,291$3,001$2,279
10 years$3,854$3,483$3,145$2,837$2,557$1,874
11 years$3,468$3,101$2,769$2,469$2,199$1,554
12 years$3,146$2,783$2,457$2,166$1,906$1,297
13 years$2,874$2,515$2,195$1,912$1,662$1,088
14 years$2,642$2,286$1,973$1,697$1,457$917
15 years$2,440$2,089$1,781$1,514$1,282$776
16 years$2,264$1,916$1,615$1,355$1,133$659
17 years$2,109$1,765$1,469$1,218$1,005$560
18 years$1,971$1,631$1,341$1,097$894$478
19 years$1,847$1,511$1,228$992$796$408
20 years$1,737$1,404$1,127$898$711$349
21 years$1,637$1,308$1,037$815$637$299
22 years$1,546$1,221$955$741$571$256
23 years$1,463$1,142$882$675$512$220
24 years$1,387$1,070$816$616$460$189
25 years$1,317$1,004$756$562$414$162
26 years$1,253$944$701$514$373$139
27 years$1,194$888$651$470$336$120
28 years$1,139$837$605$431$304$103
29 years$1,088$790$563$395$274$89
30 years$1,040$746$524$363$248$76
31 years$996$705$489$333$224$66
32 years$954$667$456$306$203$57
33 years$915$632$426$282$183$49
34 years$879$599$398$259$166$42
35 years$844$568$372$238$150$36
36 years$812$539$348$220$136$31
37 years$781$512$326$202$123$27
38 years$752$486$305$187$112$23
39 years$725$463$286$172$102$20
40 years$699$440$268$159$92$17
41 years$674$419$251$146$84$15
42 years$651$399$236$135$76$13
43 years$628$380$221$125$69$11
44 years$607$362$208$115$62$10
45 years$587$346$195$106$57$8
46 years$568$330$183$98$51$7
47 years$549$315$172$91$47$6
48 years$532$300$162$84$42$5
49 years$515$287$152$77$39$5
50 years$499$274$143$72$35$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $511,000, adding $4,625 every year, while hoping to spend $23,371 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: 52/28/20 Blend
51$511,000$511,000$511,000$511,000
52$567,893$540,810$532,889$594,070
53$600,951$542,443$525,874$614,220
54$636,598$543,373$517,841$633,318
55$675,074$543,540$508,731$653,591
56$716,640$542,882$498,482$675,160
57$761,586$541,333$487,031$698,157
58$810,230$538,820$474,309$722,729
59$862,921$535,270$460,245$749,041
60$920,043$530,602$444,768$777,273
61$982,019$524,733$427,798$807,628
62$1,049,312$517,572$409,257$840,327
63$1,122,433$509,024$389,058$875,619
64$1,201,945$498,990$367,115$913,778
65$1,288,465$487,362$343,335$955,108
66$1,382,673$474,028$317,622$999,945
67$1,485,319$458,868$289,876$1,048,663
68$1,597,225$441,757$259,990$1,101,675
69$1,719,299$422,559$227,856$1,159,439
70$1,852,537$401,134$193,359$1,222,461
71$1,998,038$377,333$156,380$1,291,302
72$2,157,012$350,996$116,792$1,366,583
73$2,330,789$321,957$74,467$1,448,990
74$2,520,835$290,038$29,267$1,539,282
75$2,728,763$255,053$0$1,638,302
76$2,956,351$216,804$0$1,751,025
77$3,205,553$175,082$0$1,881,361
78$3,478,525$129,666$0$2,024,226
79$3,777,640$80,325$0$2,180,911
80$4,105,510$26,812$0$2,352,842
81$4,465,013$0$0$2,541,591
82$4,859,319$0$0$2,758,486
83$5,291,918$0$0$3,005,560
84$5,766,656$0$0$3,276,756
85$6,287,769$0$0$3,574,500
86$6,859,923$0$0$3,901,465
87$7,488,256$0$0$4,260,594
88$8,178,431$0$0$4,655,132
89$8,936,684$0$0$5,088,651
90$9,769,887$0$0$5,565,089
91$10,685,609$0$0$6,088,780
92$11,692,189$0$0$6,664,504
93$12,798,815$0$0$7,297,524
94$14,015,608$0$0$7,993,639
95$15,353,721$0$0$8,759,238
96$16,825,439$0$0$9,601,361
97$18,444,301$0$0$10,527,765
98$20,225,220$0$0$11,546,993
99$22,184,630$0$0$12,668,464
100$24,340,638$0$0$13,902,550