Can I retire at age 52 with 512,000?

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 $512,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$42,280$41,904$41,536$41,178$40,828$40,036
2 years$20,931$20,541$20,163$19,797$19,442$18,647
3 years$13,815$13,424$13,047$12,684$12,335$11,562
4 years$10,258$9,868$9,495$9,138$8,797$8,053
5 years$8,125$7,737$7,368$7,019$6,687$5,973
6 years$6,703$6,318$5,955$5,613$5,292$4,608
7 years$5,687$5,305$4,948$4,615$4,303$3,651
8 years$4,926$4,548$4,197$3,871$3,570$2,949
9 years$4,334$3,960$3,615$3,298$3,007$2,416
10 years$3,861$3,490$3,151$2,842$2,562$2,001
11 years$3,475$3,107$2,774$2,474$2,203$1,672
12 years$3,152$2,789$2,462$2,170$1,909$1,406
13 years$2,880$2,520$2,200$1,916$1,665$1,190
14 years$2,647$2,291$1,977$1,701$1,459$1,011
15 years$2,445$2,093$1,785$1,517$1,285$862
16 years$2,268$1,920$1,618$1,358$1,136$738
17 years$2,113$1,768$1,472$1,220$1,007$633
18 years$1,975$1,634$1,344$1,100$895$545
19 years$1,851$1,514$1,230$994$798$469
20 years$1,740$1,407$1,129$900$713$405
21 years$1,640$1,311$1,039$817$638$350
22 years$1,549$1,224$957$743$572$303
23 years$1,466$1,144$884$676$513$262
24 years$1,390$1,072$817$617$461$227
25 years$1,320$1,006$757$563$415$197
26 years$1,256$946$702$515$374$171
27 years$1,196$890$652$471$337$149
28 years$1,141$839$606$432$304$129
29 years$1,090$791$564$396$275$112
30 years$1,042$747$525$363$248$98
31 years$998$706$490$334$224$85
32 years$956$668$457$307$203$74
33 years$917$633$427$282$184$64
34 years$880$600$399$260$166$56
35 years$846$569$373$239$151$49
36 years$813$540$349$220$136$43
37 years$782$513$326$203$124$37
38 years$753$487$306$187$112$32
39 years$726$463$286$172$102$28
40 years$700$441$268$159$92$24
41 years$675$420$252$147$84$21
42 years$652$400$236$135$76$19
43 years$630$381$222$125$69$16
44 years$608$363$208$115$63$14
45 years$588$346$195$107$57$12
46 years$569$330$183$98$52$11
47 years$550$315$172$91$47$9
48 years$533$301$162$84$43$8
49 years$516$287$152$78$39$7
50 years$500$274$143$72$35$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $512,000, adding $2,437 every year, while hoping to spend $27,653 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: 41/32/27 Blend
51$512,000$512,000$512,000$512,000
52$566,738$539,602$531,666$585,388
53$595,122$536,620$520,054$596,097
54$625,476$532,565$507,126$604,904
55$657,969$527,355$492,810$613,905
56$692,790$520,904$477,027$623,134
57$730,146$513,119$459,699$632,632
58$770,263$503,904$440,741$642,444
59$813,389$493,155$420,066$652,624
60$859,799$480,763$397,581$663,233
61$909,790$466,613$373,192$674,341
62$963,693$450,581$346,798$686,027
63$1,021,868$432,538$318,295$698,383
64$1,084,714$412,348$287,573$711,512
65$1,152,666$389,864$254,518$725,530
66$1,226,205$364,934$219,011$740,569
67$1,305,857$337,396$180,928$756,779
68$1,392,204$307,077$140,138$774,327
69$1,485,881$273,797$96,505$793,404
70$1,587,592$237,364$49,889$814,223
71$1,698,107$197,575$141$837,022
72$1,818,275$154,218$0$862,071
73$1,949,029$107,064$0$904,924
74$2,091,397$55,877$0$951,700
75$2,246,509$404$0$1,002,784
76$2,415,608$0$0$1,058,647
77$2,600,064$0$0$1,140,809
78$2,801,384$0$0$1,230,700
79$3,021,226$0$0$1,328,926
80$3,261,416$0$0$1,436,310
81$3,523,964$0$0$1,553,761
82$3,811,083$0$0$1,682,277
83$4,125,211$0$0$1,822,957
84$4,469,029$0$0$1,977,012
85$4,845,493$0$0$2,145,777
86$5,257,855$0$0$2,330,720
87$5,709,700$0$0$2,533,459
88$6,204,972$0$0$2,755,774
89$6,748,017$0$0$2,999,629
90$7,343,623$0$0$3,267,184
91$7,997,061$0$0$3,560,820
92$8,714,138$0$0$3,883,158
93$9,501,249$0$0$4,237,088
94$10,365,442$0$0$4,625,791
95$11,314,477$0$0$5,052,772
96$12,356,904$0$0$5,521,892
97$13,502,141$0$0$6,037,405
98$14,760,565$0$0$6,603,998
99$16,143,607$0$0$7,226,832
100$17,663,858$0$0$7,911,596