Can I retire at age 52 with 519,000?

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 $519,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$42,859$42,477$42,104$41,741$41,386$40,600
2 years$21,217$20,822$20,439$20,068$19,708$18,919
3 years$14,004$13,607$13,225$12,858$12,503$11,736
4 years$10,398$10,003$9,625$9,263$8,917$8,178
5 years$8,236$7,842$7,469$7,115$6,779$6,070
6 years$6,794$6,404$6,036$5,690$5,364$4,685
7 years$5,765$5,378$5,016$4,678$4,362$3,714
8 years$4,993$4,610$4,254$3,924$3,619$3,001
9 years$4,394$4,014$3,664$3,343$3,048$2,460
10 years$3,914$3,538$3,194$2,881$2,597$2,039
11 years$3,522$3,150$2,812$2,508$2,233$1,705
12 years$3,196$2,827$2,496$2,200$1,935$1,435
13 years$2,919$2,555$2,230$1,942$1,688$1,215
14 years$2,683$2,322$2,004$1,724$1,479$1,033
15 years$2,478$2,121$1,809$1,537$1,303$882
16 years$2,299$1,946$1,640$1,376$1,151$755
17 years$2,142$1,792$1,492$1,237$1,021$648
18 years$2,002$1,656$1,362$1,115$908$558
19 years$1,876$1,535$1,247$1,007$809$481
20 years$1,764$1,426$1,145$912$723$416
21 years$1,662$1,329$1,053$828$647$359
22 years$1,570$1,240$970$753$580$311
23 years$1,486$1,160$896$685$520$270
24 years$1,409$1,087$829$625$468$234
25 years$1,338$1,020$767$571$421$203
26 years$1,273$959$712$522$379$177
27 years$1,213$902$661$478$342$153
28 years$1,157$850$614$438$308$133
29 years$1,105$802$572$401$278$116
30 years$1,056$757$533$368$252$101
31 years$1,011$716$497$338$227$88
32 years$969$677$463$311$206$77
33 years$929$642$433$286$186$67
34 years$892$608$404$263$169$58
35 years$857$577$378$242$153$51
36 years$824$547$353$223$138$44
37 years$793$520$331$206$125$39
38 years$764$494$310$189$114$34
39 years$736$470$290$175$103$29
40 years$710$447$272$161$94$26
41 years$685$426$255$149$85$22
42 years$661$405$239$137$77$19
43 years$638$386$225$127$70$17
44 years$617$368$211$117$63$15
45 years$596$351$198$108$58$13
46 years$577$335$186$100$52$11
47 years$558$320$175$92$47$10
48 years$540$305$164$85$43$9
49 years$523$291$154$79$39$7
50 years$507$278$145$73$36$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $519,000, adding $6,374 every year, while hoping to spend $34,140 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: 56/34/10 Blend
51$519,000$519,000$519,000$519,000
52$578,513$551,006$542,961$609,141
53$601,196$541,680$524,826$621,249
54$625,049$530,754$504,939$630,105
55$650,155$518,112$483,205$638,934
56$676,605$503,632$459,525$647,739
57$704,496$487,188$433,797$656,524
58$733,937$468,642$405,912$665,296
59$765,044$447,852$375,756$674,064
60$797,946$424,664$343,211$682,841
61$832,783$398,919$308,155$691,644
62$869,707$370,446$270,458$700,492
63$908,884$339,065$229,985$709,411
64$950,497$304,586$186,596$718,429
65$994,745$266,808$140,145$727,585
66$1,041,846$225,518$90,477$736,921
67$1,092,039$180,493$37,432$746,487
68$1,145,585$131,496$0$756,344
69$1,202,771$78,276$0$768,607
70$1,263,911$20,568$0$785,707
71$1,329,348$0$0$803,757
72$1,399,460$0$0$838,563
73$1,474,661$0$0$884,182
74$1,555,405$0$0$933,196
75$1,642,190$0$0$985,912
76$1,735,563$0$0$1,042,668
77$1,836,125$0$0$1,103,833
78$1,944,536$0$0$1,169,813
79$2,061,521$0$0$1,241,055
80$2,187,875$0$0$1,318,050
81$2,324,474$0$0$1,401,335
82$2,472,278$0$0$1,491,505
83$2,632,347$0$0$1,589,209
84$2,805,841$0$0$1,695,165
85$2,994,038$0$0$1,810,159
86$3,198,345$0$0$1,935,059
87$3,420,307$0$0$2,070,818
88$3,661,625$0$0$2,218,482
89$3,924,169$0$0$2,379,206
90$4,209,998$0$0$2,554,259
91$4,521,377$0$0$2,745,037
92$4,860,798$0$0$2,953,077
93$5,231,005$0$0$3,180,070
94$5,635,017$0$0$3,427,879
95$6,076,157$0$0$3,698,553
96$6,558,083$0$0$3,994,348
97$7,084,825$0$0$4,317,748
98$7,660,815$0$0$4,671,488
99$8,290,936$0$0$5,058,580
100$8,980,565$0$0$5,482,339