Can I retire at age 52 with 483,000?

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 $483,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$39,886$39,530$39,184$38,845$38,515$38,113
2 years$19,745$19,378$19,021$18,676$18,341$17,935
3 years$13,033$12,664$12,308$11,966$11,636$11,241
4 years$9,677$9,309$8,957$8,621$8,299$7,916
5 years$7,664$7,298$6,951$6,621$6,309$5,940
6 years$6,323$5,960$5,617$5,295$4,992$4,638
7 years$5,365$5,005$4,668$4,354$4,060$3,720
8 years$4,647$4,290$3,959$3,652$3,368$3,043
9 years$4,089$3,735$3,410$3,111$2,836$2,525
10 years$3,643$3,293$2,973$2,681$2,417$2,120
11 years$3,278$2,931$2,617$2,334$2,078$1,796
12 years$2,974$2,631$2,323$2,047$1,801$1,532
13 years$2,717$2,378$2,075$1,807$1,571$1,315
14 years$2,497$2,161$1,865$1,604$1,377$1,134
15 years$2,306$1,974$1,683$1,431$1,212$982
16 years$2,140$1,811$1,526$1,281$1,071$853
17 years$1,993$1,668$1,389$1,151$950$744
18 years$1,863$1,541$1,268$1,037$845$650
19 years$1,746$1,429$1,161$937$753$569
20 years$1,642$1,328$1,065$849$672$499
21 years$1,547$1,237$980$770$602$439
22 years$1,461$1,154$903$700$539$386
23 years$1,383$1,080$834$638$484$340
24 years$1,311$1,011$771$582$435$300
25 years$1,245$949$714$531$392$265
26 years$1,185$892$662$486$353$234
27 years$1,128$840$615$445$318$207
28 years$1,077$791$572$407$287$183
29 years$1,028$746$532$374$259$162
30 years$983$705$496$343$234$143
31 years$941$666$462$315$212$127
32 years$902$630$431$289$191$113
33 years$865$597$403$266$173$100
34 years$830$566$376$245$157$88
35 years$798$537$352$225$142$78
36 years$767$509$329$208$129$70
37 years$738$484$308$191$117$62
38 years$711$460$288$176$106$55
39 years$685$437$270$163$96$49
40 years$660$416$253$150$87$43
41 years$637$396$237$138$79$38
42 years$615$377$223$128$72$34
43 years$594$359$209$118$65$30
44 years$574$343$196$109$59$27
45 years$555$327$184$101$54$24
46 years$537$312$173$93$49$21
47 years$519$297$163$86$44$19
48 years$503$284$153$79$40$17
49 years$487$271$144$73$36$15
50 years$472$259$135$68$33$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $483,000, adding $6,429 every year, while hoping to spend $26,886 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: 48/32/20 Blend
51$483,000$483,000$483,000$483,000
52$538,898$513,299$505,812$561,438
53$565,259$509,844$494,150$574,325
54$593,407$505,318$481,197$585,082
55$623,498$499,642$466,880$596,201
56$655,699$492,728$451,124$607,725
57$690,195$484,487$433,852$619,706
58$727,190$474,822$414,981$632,203
59$766,906$463,631$394,426$645,281
60$809,588$450,807$372,097$659,014
61$855,504$436,234$347,900$673,489
62$904,948$419,792$321,737$688,798
63$958,245$401,354$293,507$705,050
64$1,015,749$380,783$263,102$722,365
65$1,077,850$357,937$230,412$740,879
66$1,144,979$332,664$195,319$760,743
67$1,217,607$304,804$157,701$782,129
68$1,296,251$274,188$117,433$805,227
69$1,381,482$240,637$74,380$830,252
70$1,473,927$203,962$28,406$857,443
71$1,574,274$163,962$0$887,068
72$1,683,282$120,429$0$923,834
73$1,801,785$73,137$0$970,423
74$1,930,699$21,853$0$1,021,171
75$2,071,034$0$0$1,076,530
76$2,223,900$0$0$1,148,855
77$2,390,520$0$0$1,236,124
78$2,572,238$0$0$1,331,352
79$2,770,535$0$0$1,435,322
80$2,987,040$0$0$1,548,894
81$3,223,546$0$0$1,673,015
82$3,482,029$0$0$1,808,731
83$3,764,662$0$0$1,957,189
84$4,073,839$0$0$2,119,655
85$4,412,195$0$0$2,297,522
86$4,782,632$0$0$2,492,323
87$5,188,346$0$0$2,705,748
88$5,632,856$0$0$2,939,658
89$6,120,039$0$0$3,196,101
90$6,654,162$0$0$3,477,335
91$7,239,926$0$0$3,785,844
92$7,882,511$0$0$4,124,366
93$8,587,618$0$0$4,495,917
94$9,361,531$0$0$4,903,818
95$10,211,169$0$0$5,351,729
96$11,144,156$0$0$5,843,680
97$12,168,887$0$0$6,384,111
98$13,294,614$0$0$6,977,914
99$14,531,527$0$0$7,630,478
100$15,890,852$0$0$8,347,739