Can I retire at age 52 with 513,000?

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 $513,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$42,363$41,986$41,618$41,258$40,907$40,430
2 years$20,972$20,581$20,203$19,836$19,480$18,999
3 years$13,842$13,450$13,072$12,709$12,359$11,890
4 years$10,278$9,887$9,513$9,156$8,814$8,361
5 years$8,140$7,752$7,383$7,033$6,701$6,264
6 years$6,716$6,330$5,966$5,624$5,302$4,882
7 years$5,698$5,316$4,958$4,624$4,312$3,910
8 years$4,936$4,557$4,205$3,879$3,577$3,192
9 years$4,343$3,967$3,622$3,304$3,012$2,645
10 years$3,869$3,497$3,157$2,848$2,567$2,216
11 years$3,481$3,113$2,780$2,479$2,207$1,874
12 years$3,159$2,794$2,467$2,174$1,913$1,596
13 years$2,886$2,525$2,204$1,919$1,668$1,367
14 years$2,652$2,295$1,980$1,704$1,462$1,176
15 years$2,450$2,097$1,788$1,520$1,288$1,017
16 years$2,273$1,924$1,621$1,361$1,138$882
17 years$2,117$1,772$1,475$1,222$1,009$767
18 years$1,978$1,637$1,347$1,102$897$669
19 years$1,855$1,517$1,233$995$800$584
20 years$1,744$1,410$1,131$902$714$511
21 years$1,643$1,313$1,041$818$639$448
22 years$1,552$1,226$959$744$573$393
23 years$1,469$1,147$886$678$514$346
24 years$1,393$1,074$819$618$462$304
25 years$1,323$1,008$759$564$416$268
26 years$1,258$948$704$516$375$236
27 years$1,199$892$653$472$338$208
28 years$1,143$840$607$433$305$184
29 years$1,092$793$565$397$275$162
30 years$1,044$749$526$364$249$143
31 years$1,000$708$491$334$225$127
32 years$958$670$458$307$203$112
33 years$919$634$428$283$184$99
34 years$882$601$399$260$167$88
35 years$847$570$373$239$151$78
36 years$815$541$349$221$137$69
37 years$784$514$327$203$124$61
38 years$755$488$306$187$112$54
39 years$727$464$287$173$102$48
40 years$701$442$269$159$92$42
41 years$677$421$252$147$84$37
42 years$653$401$237$136$76$33
43 years$631$382$222$125$69$29
44 years$610$364$208$116$63$26
45 years$589$347$196$107$57$23
46 years$570$331$184$99$52$20
47 years$551$316$173$91$47$18
48 years$534$301$162$84$43$16
49 years$517$288$152$78$39$14
50 years$501$275$143$72$35$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $513,000, adding $6,510 every year, while hoping to spend $36,605 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: 33/39/28 Blend
51$513,000$513,000$513,000$513,000
52$572,041$544,852$536,901$585,884
53$591,442$532,602$515,939$584,700
54$611,595$518,526$493,049$579,722
55$632,537$502,494$468,126$573,646
56$654,311$484,371$441,063$566,399
57$676,959$464,013$411,747$557,907
58$700,529$441,269$380,061$548,091
59$725,070$415,978$345,879$536,866
60$750,636$387,971$309,076$524,147
61$777,285$357,066$269,514$509,841
62$805,081$323,075$227,056$493,854
63$834,090$285,796$181,553$476,086
64$864,385$245,018$132,852$456,431
65$896,044$200,515$80,795$434,781
66$929,152$152,053$25,214$411,021
67$963,802$99,379$0$385,032
68$1,000,092$42,231$0$366,878
69$1,038,130$0$0$354,942
70$1,078,032$0$0$350,047
71$1,119,926$0$0$363,960
72$1,163,950$0$0$378,605
73$1,210,252$0$0$394,036
74$1,258,995$0$0$410,310
75$1,310,358$0$0$427,491
76$1,364,532$0$0$445,648
77$1,421,728$0$0$464,854
78$1,482,175$0$0$485,193
79$1,546,125$0$0$506,754
80$1,613,849$0$0$529,634
81$1,685,647$0$0$553,940
82$1,761,844$0$0$579,790
83$1,842,798$0$0$607,311
84$1,928,898$0$0$636,642
85$2,020,572$0$0$667,939
86$2,118,287$0$0$701,367
87$2,222,554$0$0$737,113
88$2,333,936$0$0$775,377
89$2,453,045$0$0$816,381
90$2,580,557$0$0$860,367
91$2,717,210$0$0$907,603
92$2,863,815$0$0$958,380
93$3,021,261$0$0$1,013,020
94$3,190,525$0$0$1,071,875
95$3,372,678$0$0$1,135,333
96$3,568,897$0$0$1,203,818
97$3,780,476$0$0$1,277,798
98$4,008,833$0$0$1,357,787
99$4,255,529$0$0$1,444,348
100$4,522,279$0$0$1,538,103