Can I retire at age 52 with 481,000?

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 $481,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$39,721$39,367$39,022$38,685$38,356$37,971
2 years$19,664$19,297$18,942$18,598$18,265$17,877
3 years$12,979$12,611$12,257$11,916$11,588$11,210
4 years$9,637$9,270$8,920$8,585$8,265$7,898
5 years$7,633$7,268$6,922$6,594$6,283$5,930
6 years$6,297$5,935$5,594$5,273$4,971$4,632
7 years$5,343$4,984$4,649$4,335$4,043$3,718
8 years$4,628$4,272$3,943$3,637$3,354$3,042
9 years$4,072$3,720$3,396$3,098$2,825$2,527
10 years$3,628$3,279$2,960$2,670$2,407$2,122
11 years$3,264$2,919$2,606$2,324$2,070$1,799
12 years$2,962$2,620$2,313$2,038$1,794$1,536
13 years$2,706$2,368$2,067$1,800$1,564$1,319
14 years$2,487$2,152$1,857$1,598$1,371$1,138
15 years$2,297$1,966$1,676$1,425$1,207$986
16 years$2,131$1,804$1,520$1,276$1,067$858
17 years$1,985$1,661$1,383$1,146$946$748
18 years$1,855$1,535$1,263$1,033$841$654
19 years$1,739$1,423$1,156$933$750$573
20 years$1,635$1,322$1,061$845$670$503
21 years$1,541$1,231$976$767$599$442
22 years$1,455$1,149$899$698$537$390
23 years$1,377$1,075$830$635$482$343
24 years$1,306$1,007$768$579$433$303
25 years$1,240$945$711$529$390$268
26 years$1,180$888$660$484$351$237
27 years$1,124$836$613$443$317$209
28 years$1,072$788$569$406$286$185
29 years$1,024$743$530$372$258$164
30 years$979$702$494$341$233$146
31 years$937$664$460$314$211$129
32 years$898$628$429$288$191$114
33 years$861$595$401$265$173$102
34 years$827$564$375$244$156$90
35 years$794$534$350$224$142$80
36 years$764$507$328$207$128$71
37 years$735$482$307$190$116$63
38 years$708$458$287$176$105$56
39 years$682$435$269$162$96$50
40 years$658$414$252$149$87$44
41 years$634$394$236$138$79$39
42 years$612$376$222$127$71$35
43 years$591$358$208$117$65$31
44 years$571$341$195$108$59$28
45 years$552$325$183$100$53$25
46 years$534$310$172$92$48$22
47 years$517$296$162$85$44$19
48 years$501$283$152$79$40$17
49 years$485$270$143$73$36$15
50 years$470$258$134$67$33$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $481,000, adding $2,726 every year, while hoping to spend $41,106 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: 80/10/10 Blend
51$481,000$481,000$481,000$481,000
52$532,874$507,381$499,925$574,420
53$543,491$488,506$472,936$583,193
54$553,812$467,329$443,666$587,170
55$563,766$443,693$411,993$590,320
56$573,269$417,432$377,794$592,541
57$582,229$388,373$340,937$593,718
58$590,544$356,331$301,285$593,729
59$598,098$321,109$258,697$592,437
60$604,763$282,503$213,022$589,692
61$610,396$240,293$164,105$585,328
62$614,837$194,248$111,784$579,165
63$617,911$144,127$55,889$571,004
64$619,420$89,671$0$560,626
65$619,144$30,608$0$548,192
66$616,842$0$0$539,426
67$612,243$0$0$531,759
68$605,048$0$0$525,164
69$594,925$0$0$515,980
70$581,507$0$0$503,883
71$564,386$0$0$488,513
72$543,111$0$0$469,472
73$517,183$0$0$446,319
74$486,048$0$0$418,567
75$449,094$0$0$385,677
76$405,646$0$0$347,050
77$354,955$0$0$302,028
78$296,193$0$0$249,880
79$228,446$0$0$189,800
80$150,703$0$0$120,896
81$61,847$0$0$42,184
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