Can I retire at age 52 with 521,000?

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 $521,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$43,024$42,640$42,267$41,902$41,545$40,958
2 years$21,299$20,902$20,518$20,145$19,783$19,193
3 years$14,058$13,660$13,276$12,907$12,551$11,976
4 years$10,439$10,041$9,662$9,299$8,952$8,396
5 years$8,267$7,873$7,498$7,142$6,805$6,270
6 years$6,820$6,429$6,059$5,712$5,385$4,872
7 years$5,787$5,399$5,035$4,696$4,379$3,888
8 years$5,013$4,628$4,270$3,939$3,633$3,164
9 years$4,411$4,029$3,678$3,355$3,059$2,612
10 years$3,929$3,552$3,207$2,892$2,607$2,181
11 years$3,536$3,162$2,823$2,517$2,242$1,837
12 years$3,208$2,838$2,505$2,208$1,943$1,558
13 years$2,931$2,565$2,238$1,949$1,694$1,329
14 years$2,693$2,331$2,011$1,730$1,485$1,140
15 years$2,488$2,130$1,816$1,543$1,308$981
16 years$2,308$1,954$1,646$1,382$1,156$847
17 years$2,150$1,799$1,498$1,242$1,025$734
18 years$2,009$1,663$1,368$1,119$911$637
19 years$1,884$1,541$1,252$1,011$812$554
20 years$1,771$1,432$1,149$916$725$483
21 years$1,669$1,334$1,057$831$649$421
22 years$1,576$1,245$974$756$582$368
23 years$1,492$1,164$899$688$522$322
24 years$1,414$1,091$832$628$469$282
25 years$1,343$1,024$770$573$422$247
26 years$1,278$962$714$524$381$217
27 years$1,217$906$663$480$343$190
28 years$1,161$853$617$440$310$167
29 years$1,109$805$574$403$280$147
30 years$1,061$760$535$370$253$129
31 years$1,015$719$498$340$228$114
32 years$973$680$465$312$207$100
33 years$933$644$434$287$187$88
34 years$896$610$406$264$169$77
35 years$861$579$379$243$153$68
36 years$827$550$355$224$139$60
37 years$796$522$332$206$126$53
38 years$767$496$311$190$114$47
39 years$739$472$291$175$103$41
40 years$712$449$273$162$94$36
41 years$687$427$256$149$85$32
42 years$663$407$240$138$77$28
43 years$641$388$225$127$70$25
44 years$619$369$212$117$64$22
45 years$598$352$199$108$58$19
46 years$579$336$187$100$52$17
47 years$560$321$175$93$48$15
48 years$542$306$165$85$43$13
49 years$525$292$155$79$39$12
50 years$509$279$146$73$36$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $521,000, adding $4,956 every year, while hoping to spend $29,536 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: 48/41/11 Blend
51$521,000$521,000$521,000$521,000
52$579,254$551,641$543,566$605,081
53$606,912$547,245$530,349$618,975
54$636,401$541,644$515,700$630,572
55$667,877$534,748$499,539$642,492
56$701,510$526,460$481,783$654,776
57$737,487$516,680$462,346$667,469
58$776,013$505,300$441,137$680,624
59$817,313$492,206$418,061$694,299
60$861,633$477,278$393,021$708,563
61$909,244$460,389$365,911$723,491
62$960,442$441,404$336,624$739,170
63$1,015,554$420,179$305,048$755,699
64$1,074,938$396,565$271,064$773,189
65$1,138,986$370,402$234,550$791,765
66$1,208,131$341,520$195,375$811,569
67$1,282,847$309,741$153,407$832,760
68$1,363,657$274,877$108,505$855,517
69$1,451,132$236,728$60,523$880,040
70$1,545,904$195,084$9,306$906,556
71$1,648,665$149,723$0$935,317
72$1,760,179$100,408$0$971,929
73$1,881,281$46,893$0$1,012,898
74$2,012,896$0$0$1,057,506
75$2,156,037$0$0$1,111,171
76$2,311,820$0$0$1,192,651
77$2,481,472$0$0$1,281,439
78$2,666,345$0$0$1,378,247
79$2,867,925$0$0$1,483,863
80$3,087,850$0$0$1,599,150
81$3,327,920$0$0$1,725,060
82$3,590,118$0$0$1,862,641
83$3,876,627$0$0$2,013,046
84$4,189,849$0$0$2,177,546
85$4,532,431$0$0$2,357,539
86$4,907,286$0$0$2,554,564
87$5,317,622$0$0$2,770,318
88$5,766,970$0$0$3,006,667
89$6,259,221$0$0$3,265,667
90$6,798,657$0$0$3,549,583
91$7,389,998$0$0$3,860,910
92$8,038,439$0$0$4,202,393
93$8,749,702$0$0$4,577,060
94$9,530,091$0$0$4,988,243
95$10,386,550$0$0$5,439,612
96$11,326,726$0$0$5,935,212
97$12,359,043$0$0$6,479,497
98$13,492,781$0$0$7,077,374
99$14,738,165$0$0$7,734,250
100$16,106,454$0$0$8,456,078