Can I retire at age 52 with 486,000?

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 $486,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$40,133$39,776$39,427$39,087$38,754$38,207
2 years$19,868$19,498$19,139$18,792$18,454$17,904
3 years$13,114$12,742$12,384$12,040$11,708$11,172
4 years$9,737$9,367$9,013$8,674$8,350$7,832
5 years$7,712$7,344$6,994$6,663$6,348$5,849
6 years$6,362$5,997$5,652$5,328$5,023$4,545
7 years$5,398$5,036$4,697$4,381$4,085$3,627
8 years$4,676$4,317$3,984$3,675$3,389$2,951
9 years$4,114$3,759$3,431$3,130$2,854$2,437
10 years$3,665$3,313$2,991$2,698$2,432$2,034
11 years$3,298$2,949$2,633$2,348$2,091$1,713
12 years$2,992$2,647$2,337$2,060$1,812$1,454
13 years$2,734$2,392$2,088$1,818$1,580$1,240
14 years$2,512$2,175$1,876$1,614$1,385$1,063
15 years$2,321$1,986$1,694$1,440$1,220$915
16 years$2,153$1,823$1,536$1,289$1,078$790
17 years$2,005$1,678$1,397$1,158$956$684
18 years$1,874$1,551$1,276$1,044$850$594
19 years$1,757$1,437$1,168$943$758$517
20 years$1,652$1,336$1,072$854$677$450
21 years$1,557$1,244$986$775$606$393
22 years$1,470$1,161$909$705$543$344
23 years$1,391$1,086$839$642$487$301
24 years$1,319$1,018$776$585$438$263
25 years$1,253$955$719$535$394$231
26 years$1,192$898$666$489$355$202
27 years$1,135$845$619$447$320$178
28 years$1,083$796$575$410$289$156
29 years$1,035$751$535$376$261$137
30 years$989$709$499$345$236$120
31 years$947$670$465$317$213$106
32 years$907$634$434$291$193$93
33 years$870$601$405$268$174$82
34 years$836$569$378$246$158$72
35 years$803$540$354$227$143$64
36 years$772$513$331$209$130$56
37 years$743$487$310$192$117$49
38 years$715$463$290$177$106$43
39 years$689$440$272$164$97$38
40 years$664$419$255$151$88$34
41 years$641$398$239$139$79$30
42 years$619$379$224$128$72$26
43 years$598$362$210$119$65$23
44 years$577$345$197$110$59$20
45 years$558$329$185$101$54$18
46 years$540$314$174$93$49$16
47 years$522$299$164$86$44$14
48 years$506$286$154$80$40$12
49 years$490$273$144$74$37$11
50 years$475$261$136$68$33$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $486,000, adding $5,483 every year, while hoping to spend $34,294 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: 68/13/19 Blend
51$486,000$486,000$486,000$486,000
52$541,228$515,470$507,937$575,146
53$559,944$504,239$488,464$587,276
54$579,421$491,309$467,190$596,024
55$599,698$476,560$444,017$604,755
56$620,821$459,865$418,845$613,464
57$642,837$441,090$391,568$622,149
58$665,797$420,094$362,077$630,807
59$689,757$396,727$330,255$639,437
60$714,776$370,831$295,983$648,038
61$740,920$342,238$259,134$656,611
62$768,256$310,771$219,578$665,158
63$796,862$276,242$177,178$673,684
64$826,818$238,454$131,790$682,195
65$858,213$197,198$83,264$690,699
66$891,143$152,253$31,446$699,208
67$925,712$103,385$0$707,735
68$962,032$50,349$0$721,135
69$1,000,226$0$0$741,710
70$1,040,429$0$0$764,161
71$1,082,784$0$0$795,412
72$1,127,452$0$0$828,381
73$1,174,603$0$0$863,195
74$1,224,427$0$0$899,995
75$1,277,128$0$0$938,935
76$1,332,930$0$0$980,181
77$1,392,079$0$0$1,023,917
78$1,454,841$0$0$1,070,342
79$1,521,510$0$0$1,119,675
80$1,592,404$0$0$1,172,155
81$1,667,874$0$0$1,228,044
82$1,748,303$0$0$1,287,628
83$1,834,111$0$0$1,351,220
84$1,925,756$0$0$1,419,165
85$2,023,743$0$0$1,491,839
86$2,128,624$0$0$1,569,655
87$2,241,004$0$0$1,653,067
88$2,361,548$0$0$1,742,571
89$2,490,984$0$0$1,838,712
90$2,630,111$0$0$1,942,089
91$2,779,809$0$0$2,053,359
92$2,941,041$0$0$2,173,243
93$3,114,866$0$0$2,302,535
94$3,302,447$0$0$2,442,105
95$3,505,063$0$0$2,592,909
96$3,724,116$0$0$2,755,999
97$3,961,151$0$0$2,932,531
98$4,217,865$0$0$3,123,774
99$4,496,123$0$0$3,331,127
100$4,797,977$0$0$3,556,124