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%19.2%
1 years$42,280$41,904$41,536$41,178$40,828$39,316
2 years$20,931$20,541$20,163$19,797$19,442$17,936
3 years$13,815$13,424$13,047$12,684$12,335$10,882
4 years$10,258$9,868$9,495$9,138$8,797$7,409
5 years$8,125$7,737$7,368$7,019$6,687$5,367
6 years$6,703$6,318$5,955$5,613$5,292$4,040
7 years$5,687$5,305$4,948$4,615$4,303$3,120
8 years$4,926$4,548$4,197$3,871$3,570$2,454
9 years$4,334$3,960$3,615$3,298$3,007$1,956
10 years$3,861$3,490$3,151$2,842$2,562$1,576
11 years$3,475$3,107$2,774$2,474$2,203$1,279
12 years$3,152$2,789$2,462$2,170$1,909$1,044
13 years$2,880$2,520$2,200$1,916$1,665$857
14 years$2,647$2,291$1,977$1,701$1,459$706
15 years$2,445$2,093$1,785$1,517$1,285$584
16 years$2,268$1,920$1,618$1,358$1,136$484
17 years$2,113$1,768$1,472$1,220$1,007$401
18 years$1,975$1,634$1,344$1,100$895$334
19 years$1,851$1,514$1,230$994$798$278
20 years$1,740$1,407$1,129$900$713$232
21 years$1,640$1,311$1,039$817$638$194
22 years$1,549$1,224$957$743$572$162
23 years$1,466$1,144$884$676$513$135
24 years$1,390$1,072$817$617$461$113
25 years$1,320$1,006$757$563$415$95
26 years$1,256$946$702$515$374$79
27 years$1,196$890$652$471$337$66
28 years$1,141$839$606$432$304$56
29 years$1,090$791$564$396$275$47
30 years$1,042$747$525$363$248$39
31 years$998$706$490$334$224$33
32 years$956$668$457$307$203$27
33 years$917$633$427$282$184$23
34 years$880$600$399$260$166$19
35 years$846$569$373$239$151$16
36 years$813$540$349$220$136$14
37 years$782$513$326$203$124$11
38 years$753$487$306$187$112$10
39 years$726$463$286$172$102$8
40 years$700$441$268$159$92$7
41 years$675$420$252$147$84$6
42 years$652$400$236$135$76$5
43 years$630$381$222$125$69$4
44 years$608$363$208$115$63$3
45 years$588$346$195$107$57$3
46 years$569$330$183$98$52$2
47 years$550$315$172$91$47$2
48 years$533$301$162$84$43$2
49 years$516$287$152$78$39$1
50 years$500$274$143$72$35$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $512,000, adding $6,672 every year, while hoping to spend $30,832 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: 45/50/5 Blend
51$512,000$512,000$512,000$512,000
52$571,106$543,970$536,034$595,727
53$596,554$537,820$521,186$607,214
54$623,564$530,334$504,808$615,911
55$652,263$521,417$486,814$624,612
56$682,790$510,962$467,119$633,329
57$715,297$498,862$445,630$642,073
58$749,950$484,998$422,250$650,862
59$786,930$469,249$396,881$659,716
60$826,438$451,483$369,418$668,661
61$868,692$431,562$339,750$677,725
62$913,931$409,341$307,765$686,947
63$962,418$384,666$273,341$696,369
64$1,014,443$357,372$236,356$706,043
65$1,070,320$327,287$196,677$716,027
66$1,130,397$294,229$154,171$726,392
67$1,195,056$258,004$108,694$737,218
68$1,264,714$218,409$60,098$748,598
69$1,339,832$175,229$8,229$760,639
70$1,420,916$128,235$0$773,465
71$1,508,518$77,188$0$789,729
72$1,603,251$21,834$0$807,710
73$1,705,783$0$0$827,161
74$1,816,852$0$0$869,259
75$1,937,268$0$0$927,974
76$2,067,922$0$0$991,735
77$2,209,794$0$0$1,061,026
78$2,363,962$0$0$1,136,381
79$2,531,611$0$0$1,218,387
80$2,714,046$0$0$1,307,690
81$2,912,702$0$0$1,405,000
82$3,129,158$0$0$1,511,099
83$3,365,152$0$0$1,626,848
84$3,622,598$0$0$1,753,195
85$3,903,600$0$0$1,891,181
86$4,210,477$0$0$2,041,956
87$4,545,780$0$0$2,206,783
88$4,912,317$0$0$2,387,054
89$5,313,182$0$0$2,584,300
90$5,751,779$0$0$2,800,209
91$6,231,857$0$0$3,036,639
92$6,757,545$0$0$3,295,635
93$7,333,389$0$0$3,579,450
94$7,964,397$0$0$3,890,566
95$8,656,081$0$0$4,231,714
96$9,414,517$0$0$4,605,906
97$10,246,391$0$0$5,016,456
98$11,159,072$0$0$5,467,015
99$12,160,674$0$0$5,961,606
100$13,260,136$0$0$6,504,660