Can I retire at age 52 with 484,000?

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 $484,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$39,968$39,612$39,265$38,926$38,595$38,368
2 years$19,786$19,418$19,061$18,714$18,378$18,149
3 years$13,060$12,690$12,333$11,990$11,660$11,436
4 years$9,697$9,328$8,976$8,638$8,316$8,099
5 years$7,680$7,313$6,965$6,635$6,322$6,112
6 years$6,336$5,972$5,629$5,306$5,002$4,800
7 years$5,376$5,015$4,678$4,363$4,068$3,874
8 years$4,657$4,299$3,967$3,660$3,375$3,188
9 years$4,097$3,743$3,417$3,117$2,842$2,663
10 years$3,650$3,299$2,979$2,687$2,422$2,251
11 years$3,285$2,937$2,623$2,339$2,083$1,919
12 years$2,980$2,636$2,328$2,051$1,805$1,649
13 years$2,723$2,382$2,079$1,811$1,574$1,425
14 years$2,502$2,166$1,868$1,608$1,380$1,238
15 years$2,311$1,978$1,687$1,434$1,215$1,080
16 years$2,144$1,815$1,529$1,284$1,074$946
17 years$1,997$1,672$1,392$1,153$952$830
18 years$1,867$1,545$1,270$1,039$846$731
19 years$1,750$1,432$1,163$939$754$645
20 years$1,645$1,330$1,067$851$674$571
21 years$1,550$1,239$982$772$603$506
22 years$1,464$1,157$905$702$541$449
23 years$1,386$1,082$835$639$485$398
24 years$1,314$1,014$773$583$436$354
25 years$1,248$951$716$532$392$315
26 years$1,187$894$664$487$353$281
27 years$1,131$841$616$446$319$251
28 years$1,079$793$573$408$288$224
29 years$1,030$748$533$374$260$200
30 years$985$706$497$344$235$179
31 years$943$668$463$316$212$160
32 years$904$632$432$290$192$143
33 years$867$598$403$267$174$128
34 years$832$567$377$245$157$114
35 years$799$538$352$226$142$102
36 years$769$510$330$208$129$92
37 years$740$485$309$192$117$82
38 years$712$461$289$177$106$74
39 years$686$438$271$163$96$66
40 years$662$417$254$150$87$59
41 years$638$397$238$139$79$53
42 years$616$378$223$128$72$47
43 years$595$360$209$118$65$43
44 years$575$343$197$109$59$38
45 years$556$327$185$101$54$34
46 years$538$312$173$93$49$31
47 years$520$298$163$86$44$28
48 years$504$284$153$79$40$25
49 years$488$272$144$73$37$22
50 years$473$259$135$68$33$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $484,000, adding $4,750 every year, while hoping to spend $28,262 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: 41/43/16 Blend
51$484,000$484,000$484,000$484,000
52$538,268$512,616$505,114$557,617
53$563,100$507,663$491,964$566,815
54$589,519$501,521$477,427$573,642
55$617,655$494,101$461,426$580,428
56$647,653$485,309$443,882$587,184
57$679,671$475,047$424,709$593,922
58$713,883$463,210$403,822$600,659
59$750,479$449,686$381,130$607,417
60$789,666$434,359$356,536$614,220
61$831,673$417,104$329,941$621,099
62$876,751$397,790$301,242$628,091
63$925,175$376,277$270,329$635,240
64$977,247$352,418$237,089$642,597
65$1,033,297$326,058$201,402$650,221
66$1,093,691$297,032$163,146$658,183
67$1,158,827$265,166$122,191$666,563
68$1,229,144$230,276$78,402$675,455
69$1,305,126$192,168$31,637$684,966
70$1,387,302$150,637$0$695,218
71$1,476,255$105,467$0$709,471
72$1,572,625$56,428$0$730,732
73$1,677,119$3,278$0$753,804
74$1,790,509$0$0$778,922
75$1,913,648$0$0$832,012
76$2,047,473$0$0$891,449
77$2,193,015$0$0$956,148
78$2,351,409$0$0$1,026,621
79$2,523,902$0$0$1,103,429
80$2,711,868$0$0$1,187,193
81$2,916,818$0$0$1,278,594
82$3,140,416$0$0$1,378,382
83$3,384,492$0$0$1,487,384
84$3,651,062$0$0$1,606,510
85$3,942,345$0$0$1,736,759
86$4,260,783$0$0$1,879,235
87$4,609,066$0$0$2,035,151
88$4,990,155$0$0$2,205,844
89$5,407,311$0$0$2,392,786
90$5,864,123$0$0$2,597,597
91$6,364,546$0$0$2,822,062
92$6,912,934$0$0$3,068,148
93$7,514,083$0$0$3,338,018
94$8,173,274$0$0$3,634,059
95$8,896,324$0$0$3,958,895
96$9,689,640$0$0$4,315,421
97$10,560,280$0$0$4,706,823
98$11,516,018$0$0$5,136,613
99$12,565,417$0$0$5,608,655
100$13,717,910$0$0$6,127,212