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%17.2%
1 years$42,859$42,477$42,104$41,741$41,386$40,174
2 years$21,217$20,822$20,439$20,068$19,708$18,496
3 years$14,004$13,607$13,225$12,858$12,503$11,331
4 years$10,398$10,003$9,625$9,263$8,917$7,793
5 years$8,236$7,842$7,469$7,115$6,779$5,705
6 years$6,794$6,404$6,036$5,690$5,364$4,342
7 years$5,765$5,378$5,016$4,678$4,362$3,392
8 years$4,993$4,610$4,254$3,924$3,619$2,699
9 years$4,394$4,014$3,664$3,343$3,048$2,178
10 years$3,914$3,538$3,194$2,881$2,597$1,776
11 years$3,522$3,150$2,812$2,508$2,233$1,461
12 years$3,196$2,827$2,496$2,200$1,935$1,209
13 years$2,919$2,555$2,230$1,942$1,688$1,006
14 years$2,683$2,322$2,004$1,724$1,479$840
15 years$2,478$2,121$1,809$1,537$1,303$704
16 years$2,299$1,946$1,640$1,376$1,151$592
17 years$2,142$1,792$1,492$1,237$1,021$499
18 years$2,002$1,656$1,362$1,115$908$421
19 years$1,876$1,535$1,247$1,007$809$356
20 years$1,764$1,426$1,145$912$723$302
21 years$1,662$1,329$1,053$828$647$256
22 years$1,570$1,240$970$753$580$217
23 years$1,486$1,160$896$685$520$184
24 years$1,409$1,087$829$625$468$157
25 years$1,338$1,020$767$571$421$133
26 years$1,273$959$712$522$379$113
27 years$1,213$902$661$478$342$96
28 years$1,157$850$614$438$308$82
29 years$1,105$802$572$401$278$70
30 years$1,056$757$533$368$252$60
31 years$1,011$716$497$338$227$51
32 years$969$677$463$311$206$43
33 years$929$642$433$286$186$37
34 years$892$608$404$263$169$31
35 years$857$577$378$242$153$27
36 years$824$547$353$223$138$23
37 years$793$520$331$206$125$20
38 years$764$494$310$189$114$17
39 years$736$470$290$175$103$14
40 years$710$447$272$161$94$12
41 years$685$426$255$149$85$10
42 years$661$405$239$137$77$9
43 years$638$386$225$127$70$8
44 years$617$368$211$117$63$6
45 years$596$351$198$108$58$5
46 years$577$335$186$100$52$5
47 years$558$320$175$92$47$4
48 years$540$305$164$85$43$3
49 years$523$291$154$79$39$3
50 years$507$278$145$73$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $519,000, adding $6,990 every year, while hoping to spend $23,483 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: 34/41/25 Blend
51$519,000$519,000$519,000$519,000
52$579,148$551,641$543,597$594,247
53$613,236$553,686$536,821$608,181
54$650,013$555,044$529,032$620,582
55$689,730$555,656$520,170$633,488
56$732,660$555,461$510,174$646,959
57$779,105$554,393$498,979$661,064
58$829,397$552,382$486,518$675,879
59$883,900$549,352$472,720$691,490
60$943,014$545,227$457,512$707,995
61$1,007,179$539,921$440,817$725,503
62$1,076,881$533,347$422,554$744,136
63$1,152,652$525,410$402,639$764,032
64$1,235,078$516,010$380,983$785,346
65$1,324,805$505,044$357,495$808,249
66$1,422,542$492,398$332,078$832,935
67$1,529,070$477,954$304,631$859,620
68$1,645,249$461,588$275,050$888,545
69$1,772,026$443,166$243,225$919,979
70$1,910,440$422,550$209,041$954,222
71$2,061,640$399,589$172,379$991,610
72$2,226,886$374,128$133,112$1,032,515
73$2,407,569$346,001$91,112$1,077,354
74$2,605,217$315,031$46,241$1,126,588
75$2,821,517$281,035$0$1,180,733
76$3,058,322$243,816$0$1,240,800
77$3,317,674$203,167$0$1,320,178
78$3,601,824$158,869$0$1,407,268
79$3,913,248$110,692$0$1,502,898
80$4,254,675$58,391$0$1,607,985
81$4,629,109$1,709$0$1,723,545
82$5,039,859$0$0$1,850,699
83$5,490,572$0$0$2,017,591
84$5,985,261$0$0$2,201,694
85$6,528,350$0$0$2,403,891
86$7,124,711$0$0$2,626,008
87$7,779,711$0$0$2,870,054
88$8,499,261$0$0$3,138,242
89$9,289,876$0$0$3,433,012
90$10,158,729$0$0$3,757,051
91$11,113,725$0$0$4,113,318
92$12,163,574$0$0$4,505,076
93$13,317,869$0$0$4,935,918
94$14,587,180$0$0$5,409,802
95$15,983,155$0$0$5,931,090
96$17,518,623$0$0$6,504,589
97$19,207,723$0$0$7,135,593
98$21,066,030$0$0$7,829,938
99$23,110,707$0$0$8,594,050
100$25,360,663$0$0$9,435,014