Can I retire at age 52 with 520,000?

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 $520,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$42,941$42,559$42,185$41,821$41,466$40,496
2 years$21,258$20,862$20,478$20,106$19,745$18,774
3 years$14,031$13,634$13,251$12,882$12,527$11,585
4 years$10,419$10,022$9,643$9,281$8,935$8,028
5 years$8,251$7,857$7,484$7,129$6,792$5,924
6 years$6,807$6,416$6,048$5,701$5,374$4,545
7 years$5,776$5,388$5,026$4,687$4,371$3,581
8 years$5,003$4,619$4,262$3,932$3,626$2,875
9 years$4,402$4,021$3,671$3,349$3,054$2,341
10 years$3,922$3,545$3,201$2,887$2,602$1,927
11 years$3,529$3,156$2,818$2,512$2,238$1,600
12 years$3,202$2,832$2,501$2,204$1,939$1,337
13 years$2,925$2,560$2,234$1,946$1,691$1,124
14 years$2,688$2,327$2,007$1,727$1,482$948
15 years$2,483$2,125$1,812$1,540$1,305$804
16 years$2,304$1,950$1,643$1,379$1,153$683
17 years$2,146$1,796$1,495$1,239$1,023$582
18 years$2,005$1,660$1,365$1,117$909$497
19 years$1,880$1,538$1,250$1,009$811$425
20 years$1,767$1,429$1,147$914$724$364
21 years$1,665$1,331$1,055$829$648$312
22 years$1,573$1,243$972$754$581$268
23 years$1,489$1,162$898$687$521$230
24 years$1,412$1,089$830$626$469$198
25 years$1,341$1,022$769$572$422$170
26 years$1,275$960$713$523$380$147
27 years$1,215$904$662$479$342$126
28 years$1,159$852$616$439$309$109
29 years$1,107$804$573$402$279$94
30 years$1,058$759$534$369$252$81
31 years$1,013$717$497$339$228$70
32 years$971$679$464$312$206$60
33 years$931$643$433$287$187$52
34 years$894$609$405$264$169$45
35 years$859$578$379$243$153$39
36 years$826$548$354$224$139$34
37 years$795$521$331$206$126$29
38 years$765$495$310$190$114$25
39 years$737$471$291$175$103$22
40 years$711$448$273$161$94$19
41 years$686$426$256$149$85$16
42 years$662$406$240$137$77$14
43 years$639$387$225$127$70$12
44 years$618$369$211$117$64$10
45 years$597$352$198$108$58$9
46 years$578$335$186$100$52$8
47 years$559$320$175$92$48$7
48 years$541$306$164$85$43$6
49 years$524$292$155$79$39$5
50 years$508$279$145$73$36$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $520,000, adding $4,873 every year, while hoping to spend $45,554 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: 58/29/13 Blend
51$520,000$520,000$520,000$520,000
52$578,066$550,506$542,446$609,436
53$588,560$529,012$512,149$609,692
54$598,597$504,938$479,310$604,490
55$608,084$478,109$443,797$597,743
56$616,913$448,341$405,469$589,307
57$624,967$415,439$364,181$579,029
58$632,115$379,196$319,782$566,741
59$638,208$339,395$272,112$552,262
60$643,084$295,804$221,007$535,394
61$646,560$248,180$166,292$515,925
62$648,435$196,266$107,788$493,622
63$648,482$139,790$45,306$468,233
64$646,452$78,464$0$439,486
65$642,067$11,986$0$410,047
66$635,020$0$0$383,530
67$624,969$0$0$372,456
68$611,536$0$0$363,020
69$594,302$0$0$351,127
70$572,802$0$0$336,480
71$546,522$0$0$318,750
72$514,894$0$0$297,572
73$477,287$0$0$272,542
74$433,006$0$0$243,214
75$381,279$0$0$209,096
76$321,255$0$0$169,642
77$251,994$0$0$124,248
78$172,454$0$0$72,249
79$81,485$0$0$12,910
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0