Can I retire at age 52 with 485,000?

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 $485,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$40,051$39,694$39,346$39,006$38,675$37,497
2 years$19,827$19,458$19,100$18,753$18,416$17,240
3 years$13,087$12,716$12,359$12,015$11,684$10,546
4 years$9,717$9,348$8,994$8,656$8,333$7,242
5 years$7,696$7,329$6,980$6,649$6,335$5,293
6 years$6,349$5,984$5,641$5,317$5,013$4,022
7 years$5,387$5,026$4,687$4,372$4,077$3,136
8 years$4,666$4,308$3,975$3,667$3,382$2,492
9 years$4,106$3,751$3,424$3,124$2,848$2,007
10 years$3,658$3,306$2,985$2,693$2,427$1,634
11 years$3,291$2,943$2,628$2,343$2,087$1,341
12 years$2,986$2,642$2,332$2,055$1,809$1,107
13 years$2,728$2,387$2,084$1,815$1,577$919
14 years$2,507$2,170$1,872$1,611$1,382$766
15 years$2,316$1,982$1,690$1,437$1,217$641
16 years$2,149$1,819$1,533$1,286$1,076$538
17 years$2,001$1,675$1,395$1,156$954$452
18 years$1,870$1,548$1,273$1,042$848$381
19 years$1,753$1,434$1,165$941$756$321
20 years$1,648$1,333$1,070$852$675$272
21 years$1,553$1,242$984$774$604$230
22 years$1,467$1,159$907$703$542$194
23 years$1,388$1,084$837$641$486$165
24 years$1,317$1,016$774$584$437$140
25 years$1,250$953$717$534$393$119
26 years$1,189$896$665$488$354$101
27 years$1,133$843$618$447$319$85
28 years$1,081$794$574$409$288$73
29 years$1,032$749$534$375$260$62
30 years$987$708$498$344$235$52
31 years$945$669$464$316$213$45
32 years$906$633$433$291$192$38
33 years$869$600$404$267$174$32
34 years$834$568$378$246$158$27
35 years$801$539$353$226$143$23
36 years$770$512$330$208$129$20
37 years$741$486$309$192$117$17
38 years$714$462$290$177$106$14
39 years$688$439$271$163$96$12
40 years$663$418$254$151$87$10
41 years$640$398$238$139$79$9
42 years$617$379$224$128$72$8
43 years$596$361$210$118$65$6
44 years$576$344$197$109$59$5
45 years$557$328$185$101$54$5
46 years$539$313$174$93$49$4
47 years$521$299$163$86$44$3
48 years$505$285$153$80$40$3
49 years$489$272$144$74$37$2
50 years$474$260$136$68$33$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $485,000, adding $6,341 every year, while hoping to spend $24,515 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: 63/26/11 Blend
51$485,000$485,000$485,000$485,000
52$541,011$515,306$507,788$573,347
53$570,110$514,472$498,715$594,923
54$601,356$512,776$488,517$615,060
55$634,941$510,149$477,129$636,434
56$671,078$506,519$464,486$659,166
57$709,999$501,809$450,517$683,387
58$751,960$495,939$435,151$709,246
59$797,241$488,822$418,310$736,905
60$846,152$480,366$399,915$766,543
61$899,030$470,474$379,883$798,362
62$956,249$459,046$358,127$832,582
63$1,018,218$445,971$334,556$869,446
64$1,085,388$431,134$309,075$909,227
65$1,158,253$414,416$281,585$952,222
66$1,237,359$395,686$251,981$998,764
67$1,323,303$374,808$220,156$1,049,219
68$1,416,746$351,639$185,997$1,103,992
69$1,518,411$326,027$149,385$1,163,532
70$1,629,096$297,810$110,197$1,228,334
71$1,749,680$266,818$68,304$1,298,948
72$1,881,127$232,872$23,572$1,375,978
73$2,024,500$195,781$0$1,460,096
74$2,180,970$155,345$0$1,554,878
75$2,351,824$111,351$0$1,661,444
76$2,538,479$63,577$0$1,777,948
77$2,742,496$11,785$0$1,905,408
78$2,965,594$0$0$2,044,949
79$3,209,663$0$0$2,210,479
80$3,476,787$0$0$2,395,370
81$3,769,260$0$0$2,597,842
82$4,089,607$0$0$2,819,647
83$4,440,609$0$0$3,062,716
84$4,825,331$0$0$3,329,176
85$5,247,145$0$0$3,621,368
86$5,709,767$0$0$3,941,870
87$6,217,290$0$0$4,293,524
88$6,774,223$0$0$4,679,459
89$7,385,529$0$0$5,103,121
90$8,056,680$0$0$5,568,307
91$8,793,699$0$0$6,079,198
92$9,603,224$0$0$6,640,403
93$10,492,567$0$0$7,256,996
94$11,469,782$0$0$7,934,569
95$12,543,742$0$0$8,679,280
96$13,724,224$0$0$9,497,918
97$15,021,997$0$0$10,397,956
98$16,448,927$0$0$11,387,633
99$18,018,086$0$0$12,476,023
100$19,743,877$0$0$13,673,125