Can I retire at age 51 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$43,354$42,968$42,591$42,223$41,864$40,622
2 years$21,462$21,063$20,675$20,300$19,935$18,694
3 years$14,166$13,765$13,378$13,006$12,648$11,446
4 years$10,519$10,118$9,736$9,370$9,021$7,868
5 years$8,331$7,933$7,556$7,197$6,857$5,757
6 years$6,873$6,478$6,106$5,756$5,426$4,379
7 years$5,832$5,440$5,074$4,732$4,413$3,419
8 years$5,051$4,663$4,303$3,970$3,661$2,720
9 years$4,444$4,060$3,706$3,381$3,083$2,193
10 years$3,959$3,579$3,231$2,915$2,627$1,787
11 years$3,563$3,186$2,845$2,537$2,259$1,469
12 years$3,232$2,860$2,525$2,225$1,958$1,215
13 years$2,953$2,584$2,256$1,964$1,707$1,010
14 years$2,714$2,349$2,027$1,744$1,496$843
15 years$2,507$2,146$1,830$1,555$1,318$706
16 years$2,326$1,969$1,659$1,392$1,165$593
17 years$2,166$1,813$1,510$1,251$1,033$500
18 years$2,025$1,675$1,378$1,127$918$421
19 years$1,898$1,553$1,262$1,019$818$356
20 years$1,784$1,443$1,158$923$731$301
21 years$1,681$1,344$1,065$837$654$255
22 years$1,588$1,255$982$761$586$216
23 years$1,503$1,173$906$693$526$184
24 years$1,425$1,099$838$632$473$156
25 years$1,354$1,032$776$578$426$133
26 years$1,288$970$720$528$383$113
27 years$1,227$913$669$483$346$96
28 years$1,170$860$622$443$312$82
29 years$1,118$811$578$406$282$69
30 years$1,069$766$539$373$255$59
31 years$1,023$724$502$342$230$50
32 years$980$685$469$315$208$43
33 years$940$649$438$289$188$36
34 years$903$615$409$266$171$31
35 years$867$583$382$245$154$26
36 years$834$554$358$226$140$23
37 years$802$526$335$208$127$19
38 years$773$500$313$192$115$16
39 years$744$475$294$177$104$14
40 years$718$452$275$163$95$12
41 years$692$430$258$150$86$10
42 years$668$410$242$139$78$9
43 years$646$391$227$128$71$7
44 years$624$372$213$118$64$6
45 years$603$355$200$109$58$5
46 years$583$339$188$101$53$5
47 years$564$323$177$93$48$4
48 years$546$309$166$86$44$3
49 years$529$295$156$80$40$3
50 years$513$281$147$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $525,000, adding $3,099 every year, while hoping to spend $33,204 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: 42/36/22 Blend
50$525,000$525,000$525,000$525,000
51$581,747$553,922$545,784$602,317
52$605,756$545,735$528,739$609,076
53$631,101$536,034$510,010$612,961
54$657,884$524,710$489,506$616,496
55$686,215$511,648$467,131$619,669
56$716,214$496,723$442,785$622,465
57$748,013$479,808$416,363$624,872
58$781,755$460,764$387,757$626,882
59$817,600$439,447$356,852$628,486
60$855,717$415,702$323,529$629,679
61$896,297$389,368$287,663$630,458
62$939,544$360,272$249,125$630,824
63$985,685$328,233$207,778$630,782
64$1,034,967$293,058$163,481$630,343
65$1,087,662$254,546$116,085$629,522
66$1,144,065$212,481$65,436$628,339
67$1,204,504$166,636$11,373$626,824
68$1,269,336$116,774$0$625,014
69$1,338,952$62,640$0$633,828
70$1,413,784$3,968$0$646,005
71$1,494,304$0$0$658,986
72$1,581,031$0$0$696,477
73$1,674,534$0$0$738,643
74$1,775,441$0$0$784,200
75$1,884,438$0$0$833,465
76$2,002,282$0$0$886,788
77$2,129,804$0$0$944,552
78$2,267,916$0$0$1,007,178
79$2,417,623$0$0$1,075,129
80$2,580,029$0$0$1,148,916
81$2,756,349$0$0$1,229,100
82$2,947,917$0$0$1,316,296
83$3,156,204$0$0$1,411,184
84$3,382,826$0$0$1,514,510
85$3,629,560$0$0$1,627,096
86$3,898,365$0$0$1,749,846
87$4,191,393$0$0$1,883,755
88$4,511,016$0$0$2,029,919
89$4,859,840$0$0$2,189,543
90$5,240,739$0$0$2,363,955
91$5,656,874$0$0$2,554,616
92$6,111,724$0$0$2,763,135
93$6,609,120$0$0$2,991,284
94$7,153,282$0$0$3,241,012
95$7,748,855$0$0$3,514,467
96$8,400,953$0$0$3,814,016
97$9,115,210$0$0$4,142,263
98$9,897,827$0$0$4,502,076
99$10,755,636$0$0$4,896,615
100$11,696,162$0$0$5,329,359