Can I retire at age 52 with 520,000?

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 $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%11.3%
1 years$42,941$42,559$42,185$41,821$41,466$41,239
2 years$21,258$20,862$20,478$20,106$19,745$19,517
3 years$14,031$13,634$13,251$12,882$12,527$12,304
4 years$10,419$10,022$9,643$9,281$8,935$8,718
5 years$8,251$7,857$7,484$7,129$6,792$6,582
6 years$6,807$6,416$6,048$5,701$5,374$5,172
7 years$5,776$5,388$5,026$4,687$4,371$4,177
8 years$5,003$4,619$4,262$3,932$3,626$3,440
9 years$4,402$4,021$3,671$3,349$3,054$2,875
10 years$3,922$3,545$3,201$2,887$2,602$2,431
11 years$3,529$3,156$2,818$2,512$2,238$2,074
12 years$3,202$2,832$2,501$2,204$1,939$1,783
13 years$2,925$2,560$2,234$1,946$1,691$1,542
14 years$2,688$2,327$2,007$1,727$1,482$1,340
15 years$2,483$2,125$1,812$1,540$1,305$1,170
16 years$2,304$1,950$1,643$1,379$1,153$1,025
17 years$2,146$1,796$1,495$1,239$1,023$901
18 years$2,005$1,660$1,365$1,117$909$794
19 years$1,880$1,538$1,250$1,009$811$701
20 years$1,767$1,429$1,147$914$724$621
21 years$1,665$1,331$1,055$829$648$550
22 years$1,573$1,243$972$754$581$488
23 years$1,489$1,162$898$687$521$434
24 years$1,412$1,089$830$626$469$386
25 years$1,341$1,022$769$572$422$344
26 years$1,275$960$713$523$380$307
27 years$1,215$904$662$479$342$274
28 years$1,159$852$616$439$309$245
29 years$1,107$804$573$402$279$219
30 years$1,058$759$534$369$252$196
31 years$1,013$717$497$339$228$175
32 years$971$679$464$312$206$157
33 years$931$643$433$287$187$140
34 years$894$609$405$264$169$126
35 years$859$578$379$243$153$113
36 years$826$548$354$224$139$101
37 years$795$521$331$206$126$90
38 years$765$495$310$190$114$81
39 years$737$471$291$175$103$73
40 years$711$448$273$161$94$65
41 years$686$426$256$149$85$59
42 years$662$406$240$137$77$53
43 years$639$387$225$127$70$47
44 years$618$369$211$117$64$42
45 years$597$352$198$108$58$38
46 years$578$335$186$100$52$34
47 years$559$320$175$92$48$31
48 years$541$306$164$85$43$27
49 years$524$292$155$79$39$25
50 years$508$279$145$73$36$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $520,000, adding $4,152 every year, while hoping to spend $35,099 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: 43/35/22 Blend
51$520,000$520,000$520,000$520,000
52$577,323$549,763$541,703$598,290
53$598,865$539,356$522,505$603,158
54$621,427$527,263$501,487$604,711
55$645,078$513,364$478,552$605,684
56$669,890$497,532$453,597$606,040
57$695,941$479,634$426,515$605,744
58$723,317$459,527$397,194$604,758
59$752,113$437,061$365,517$603,046
60$782,428$412,077$331,362$600,570
61$814,374$384,407$294,601$597,291
62$848,071$353,873$255,101$593,170
63$883,650$320,289$212,722$588,169
64$921,254$283,455$167,320$582,251
65$961,039$243,161$118,742$575,378
66$1,003,175$199,186$66,830$567,512
67$1,047,848$151,295$11,419$558,620
68$1,095,263$99,242$0$548,667
69$1,145,640$42,766$0$548,822
70$1,199,223$0$0$551,445
71$1,256,279$0$0$560,962
72$1,317,099$0$0$588,700
73$1,382,002$0$0$618,339
74$1,451,337$0$0$650,044
75$1,525,489$0$0$683,994
76$1,604,876$0$0$720,388
77$1,689,960$0$0$759,443
78$1,781,247$0$0$801,397
79$1,879,290$0$0$846,512
80$1,984,699$0$0$895,075
81$2,098,142$0$0$947,401
82$2,220,353$0$0$1,003,837
83$2,352,138$0$0$1,064,763
84$2,494,382$0$0$1,130,598
85$2,648,058$0$0$1,201,800
86$2,814,236$0$0$1,278,875
87$2,994,090$0$0$1,362,378
88$3,188,912$0$0$1,452,920
89$3,400,123$0$0$1,551,172
90$3,629,285$0$0$1,657,872
91$3,878,115$0$0$1,773,833
92$4,148,503$0$0$1,899,948
93$4,442,528$0$0$2,037,200
94$4,762,476$0$0$2,186,670
95$5,110,863$0$0$2,349,549
96$5,490,458$0$0$2,527,147
97$5,904,307$0$0$2,720,905
98$6,355,765$0$0$2,932,410
99$6,848,521$0$0$3,163,409
100$7,386,640$0$0$3,415,824