Can I retire at age 52 with 517,000?

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 $517,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$42,693$42,313$41,942$41,580$41,226$39,795
2 years$21,135$20,742$20,360$19,990$19,632$18,205
3 years$13,950$13,555$13,174$12,808$12,455$11,077
4 years$10,358$9,964$9,588$9,227$8,883$7,564
5 years$8,204$7,812$7,440$7,088$6,753$5,497
6 years$6,768$6,379$6,013$5,668$5,343$4,151
7 years$5,743$5,357$4,997$4,660$4,345$3,217
8 years$4,974$4,592$4,238$3,909$3,605$2,540
9 years$4,377$3,998$3,650$3,330$3,036$2,032
10 years$3,899$3,524$3,182$2,870$2,587$1,643
11 years$3,508$3,137$2,801$2,498$2,225$1,338
12 years$3,183$2,816$2,486$2,191$1,928$1,097
13 years$2,908$2,545$2,221$1,934$1,681$904
14 years$2,673$2,313$1,996$1,717$1,474$748
15 years$2,469$2,113$1,802$1,531$1,298$621
16 years$2,291$1,939$1,634$1,371$1,147$517
17 years$2,133$1,786$1,487$1,232$1,017$431
18 years$1,994$1,650$1,357$1,110$904$360
19 years$1,869$1,529$1,242$1,003$806$301
20 years$1,757$1,421$1,140$909$720$252
21 years$1,656$1,324$1,049$825$644$212
22 years$1,564$1,235$967$750$577$178
23 years$1,480$1,156$892$683$518$149
24 years$1,403$1,083$825$623$466$125
25 years$1,333$1,016$764$569$419$106
26 years$1,268$955$709$520$378$89
27 years$1,208$899$658$476$340$75
28 years$1,152$847$612$436$307$63
29 years$1,101$799$570$400$277$53
30 years$1,052$754$531$367$251$45
31 years$1,007$713$495$337$227$38
32 years$965$675$461$310$205$32
33 years$926$639$431$285$185$27
34 years$889$606$403$262$168$22
35 years$854$574$376$241$152$19
36 years$821$545$352$222$138$16
37 years$790$518$330$205$125$13
38 years$761$492$309$189$113$11
39 years$733$468$289$174$103$10
40 years$707$445$271$161$93$8
41 years$682$424$254$148$85$7
42 years$658$404$238$137$77$6
43 years$636$385$224$126$70$5
44 years$614$367$210$116$63$4
45 years$594$350$197$108$57$3
46 years$574$334$185$99$52$3
47 years$556$318$174$92$47$2
48 years$538$304$163$85$43$2
49 years$521$290$154$78$39$2
50 years$505$277$144$72$35$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $517,000, adding $3,398 every year, while hoping to spend $20,406 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: 77/5/18 Blend
51$517,000$517,000$517,000$517,000
52$573,239$545,838$537,825$614,792
53$609,998$550,872$534,130$647,754
54$649,822$555,469$529,627$681,009
55$693,002$559,586$524,269$716,930
56$739,860$563,177$518,003$755,777
57$790,746$566,193$510,776$797,835
58$846,048$568,583$502,534$843,420
59$906,192$570,291$493,216$892,881
60$971,648$571,259$482,763$946,600
61$1,042,930$571,425$471,109$1,005,001
62$1,120,606$570,722$458,189$1,068,548
63$1,205,302$569,081$443,932$1,137,756
64$1,297,703$566,426$428,264$1,213,190
65$1,398,568$562,680$411,110$1,295,473
66$1,508,728$557,758$392,388$1,385,294
67$1,629,101$551,571$372,016$1,483,410
68$1,760,697$544,025$349,906$1,590,657
69$1,904,626$535,021$325,966$1,707,956
70$2,062,113$524,451$300,101$1,836,321
71$2,234,504$512,206$272,210$1,976,873
72$2,423,284$498,164$242,190$2,130,843
73$2,630,087$482,202$209,931$2,299,593
74$2,856,712$464,187$175,320$2,484,620
75$3,105,142$443,976$138,238$2,687,578
76$3,377,557$421,422$98,560$2,910,287
77$3,676,364$396,368$56,158$3,154,755
78$4,004,209$368,646$10,895$3,423,196
79$4,364,009$338,080$0$3,718,048
80$4,758,977$304,485$0$4,049,186
81$5,192,652$267,664$0$4,415,089
82$5,668,931$227,408$0$4,816,958
83$6,192,110$183,499$0$5,258,427
84$6,766,919$135,705$0$5,743,497
85$7,398,570$83,779$0$6,276,577
86$8,092,804$27,465$0$6,862,526
87$8,855,947$0$0$7,506,697
88$9,694,967$0$0$8,216,831
89$10,617,542$0$0$8,999,366
90$11,632,131$0$0$9,859,969
91$12,748,054$0$0$10,806,547
92$13,975,578$0$0$11,847,814
93$15,326,017$0$0$12,993,368
94$16,811,836$0$0$14,253,787
95$18,446,770$0$0$15,640,724
96$20,245,951$0$0$17,167,020
97$22,226,052$0$0$18,846,823
98$24,405,448$0$0$20,695,721
99$26,804,380$0$0$22,730,893
100$29,445,155$0$0$24,971,265