Can I retire at age 52 with 518,000?

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 $518,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$42,776$42,395$42,023$41,660$41,306$40,538
2 years$21,176$20,782$20,400$20,029$19,670$18,899
3 years$13,977$13,581$13,200$12,833$12,479$11,730
4 years$10,378$9,984$9,606$9,245$8,900$8,178
5 years$8,220$7,827$7,455$7,101$6,766$6,072
6 years$6,781$6,392$6,025$5,679$5,354$4,690
7 years$5,754$5,368$5,006$4,669$4,354$3,720
8 years$4,984$4,601$4,246$3,917$3,612$3,008
9 years$4,385$4,006$3,657$3,336$3,042$2,467
10 years$3,907$3,531$3,188$2,876$2,592$2,046
11 years$3,515$3,144$2,807$2,503$2,229$1,711
12 years$3,189$2,821$2,491$2,195$1,932$1,442
13 years$2,914$2,550$2,226$1,938$1,684$1,221
14 years$2,678$2,318$2,000$1,720$1,477$1,039
15 years$2,474$2,117$1,805$1,534$1,300$888
16 years$2,295$1,943$1,637$1,374$1,149$761
17 years$2,138$1,789$1,490$1,234$1,019$654
18 years$1,998$1,653$1,360$1,112$906$563
19 years$1,873$1,532$1,245$1,005$807$486
20 years$1,761$1,424$1,142$910$721$420
21 years$1,659$1,326$1,051$826$645$363
22 years$1,567$1,238$968$751$578$315
23 years$1,483$1,158$894$684$519$273
24 years$1,406$1,085$827$624$467$237
25 years$1,335$1,018$766$570$420$206
26 years$1,270$957$710$521$378$179
27 years$1,210$900$660$477$341$156
28 years$1,155$848$613$437$308$136
29 years$1,103$800$571$401$278$118
30 years$1,054$756$532$368$251$103
31 years$1,009$715$496$338$227$90
32 years$967$676$462$310$205$78
33 years$928$640$432$285$186$68
34 years$891$607$403$263$168$59
35 years$856$576$377$242$152$52
36 years$823$546$353$223$138$45
37 years$792$519$330$205$125$39
38 years$762$493$309$189$113$34
39 years$735$469$290$174$103$30
40 years$708$446$272$161$93$26
41 years$683$425$255$148$85$23
42 years$659$404$239$137$77$20
43 years$637$385$224$126$70$17
44 years$615$367$210$117$63$15
45 years$595$350$198$108$57$13
46 years$575$334$186$100$52$12
47 years$557$319$174$92$47$10
48 years$539$304$164$85$43$9
49 years$522$291$154$79$39$8
50 years$506$278$145$73$35$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $518,000, adding $3,098 every year, while hoping to spend $23,786 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: 62/15/23 Blend
51$518,000$518,000$518,000$518,000
52$574,032$546,578$538,549$605,971
53$607,275$548,052$531,282$629,420
54$643,111$548,801$522,974$652,111
55$681,781$548,765$513,566$676,354
56$723,547$547,878$502,995$702,304
57$768,698$546,073$491,195$730,132
58$817,552$543,278$478,096$760,029
59$870,458$539,414$463,628$792,202
60$927,800$534,401$447,715$826,884
61$990,001$528,152$430,279$864,332
62$1,057,524$520,574$411,237$904,828
63$1,130,881$511,572$390,502$948,685
64$1,210,633$501,041$367,987$996,251
65$1,297,399$488,873$343,595$1,047,908
66$1,391,858$474,952$317,230$1,104,079
67$1,494,758$459,156$288,788$1,165,232
68$1,606,924$441,356$258,163$1,231,884
69$1,729,262$421,413$225,243$1,304,606
70$1,862,768$399,184$189,910$1,384,029
71$2,008,542$374,515$152,044$1,470,851
72$2,167,791$347,245$111,515$1,565,840
73$2,341,847$317,200$68,192$1,669,849
74$2,532,173$284,202$21,934$1,783,816
75$2,740,384$248,057$0$1,908,779
76$2,968,256$208,564$0$2,052,615
77$3,217,743$165,509$0$2,216,041
78$3,491,000$118,666$0$2,395,103
79$3,790,398$67,796$0$2,591,383
80$4,118,549$12,649$0$2,806,627
81$4,478,330$0$0$3,042,758
82$4,872,909$0$0$3,309,660
83$5,305,775$0$0$3,604,791
84$5,780,772$0$0$3,928,687
85$6,302,133$0$0$4,284,242
86$6,874,523$0$0$4,674,640
87$7,503,078$0$0$5,103,391
88$8,193,457$0$0$5,574,361
89$8,951,894$0$0$6,091,808
90$9,785,258$0$0$6,660,424
91$10,701,113$0$0$7,285,377
92$11,707,794$0$0$7,972,362
93$12,814,485$0$0$8,727,651
94$14,031,302$0$0$9,558,156
95$15,369,390$0$0$10,471,491
96$16,841,032$0$0$11,476,046
97$18,459,755$0$0$12,581,064
98$20,240,468$0$0$13,796,730
99$22,199,595$0$0$15,134,264
100$24,355,232$0$0$16,606,030