Can I retire at age 52 with 514,000?

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 $514,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$42,446$42,068$41,699$41,339$40,987$40,525
2 years$21,013$20,621$20,242$19,874$19,518$19,053
3 years$13,869$13,476$13,098$12,734$12,383$11,929
4 years$10,298$9,906$9,532$9,174$8,832$8,393
5 years$8,156$7,767$7,397$7,046$6,714$6,291
6 years$6,729$6,342$5,978$5,635$5,312$4,906
7 years$5,709$5,326$4,968$4,633$4,320$3,931
8 years$4,945$4,566$4,213$3,886$3,584$3,212
9 years$4,351$3,975$3,629$3,310$3,018$2,663
10 years$3,876$3,504$3,164$2,854$2,572$2,232
11 years$3,488$3,119$2,785$2,483$2,212$1,888
12 years$3,165$2,800$2,472$2,178$1,917$1,609
13 years$2,891$2,530$2,208$1,923$1,671$1,379
14 years$2,657$2,300$1,984$1,707$1,465$1,188
15 years$2,454$2,101$1,791$1,522$1,290$1,027
16 years$2,277$1,928$1,624$1,363$1,140$892
17 years$2,121$1,775$1,478$1,225$1,011$776
18 years$1,982$1,640$1,349$1,104$899$677
19 years$1,858$1,520$1,235$997$801$592
20 years$1,747$1,413$1,134$903$716$518
21 years$1,646$1,316$1,043$820$640$455
22 years$1,555$1,228$961$745$574$400
23 years$1,472$1,149$887$679$515$352
24 years$1,395$1,076$821$619$463$310
25 years$1,325$1,010$760$565$417$273
26 years$1,261$949$705$517$375$241
27 years$1,201$893$655$473$338$212
28 years$1,146$842$608$434$305$188
29 years$1,094$794$566$398$276$166
30 years$1,046$750$527$365$249$147
31 years$1,002$709$492$335$225$130
32 years$960$671$459$308$204$115
33 years$920$635$428$283$184$102
34 years$884$602$400$261$167$90
35 years$849$571$374$240$151$80
36 years$816$542$350$221$137$70
37 years$786$515$328$204$124$62
38 years$756$489$307$188$113$55
39 years$729$465$287$173$102$49
40 years$703$443$269$160$93$43
41 years$678$421$253$147$84$39
42 years$654$401$237$136$76$34
43 years$632$382$222$125$69$30
44 years$611$364$209$116$63$27
45 years$590$348$196$107$57$24
46 years$571$332$184$99$52$21
47 years$553$316$173$91$47$19
48 years$535$302$163$84$43$17
49 years$518$288$153$78$39$15
50 years$502$276$144$72$35$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $514,000, adding $3,600 every year, while hoping to spend $25,408 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: 45/48/7 Blend
51$514,000$514,000$514,000$514,000
52$570,141$542,899$534,932$594,527
53$601,262$542,468$525,819$611,289
54$634,705$541,163$515,548$626,535
55$670,681$538,916$504,055$642,476
56$709,421$535,653$491,271$659,184
57$751,177$531,296$477,124$676,741
58$796,229$525,760$461,539$695,236
59$844,881$518,960$444,438$714,773
60$897,470$510,800$425,738$735,464
61$954,365$501,182$405,353$757,437
62$1,015,972$490,002$383,194$780,833
63$1,082,738$477,148$359,167$805,813
64$1,155,152$462,504$333,174$832,552
65$1,233,754$445,943$305,113$861,248
66$1,319,139$427,336$274,876$892,123
67$1,411,958$406,543$242,351$925,420
68$1,512,930$383,416$207,422$961,415
69$1,622,846$357,800$169,968$1,000,411
70$1,742,574$329,530$129,859$1,042,749
71$1,873,072$298,432$86,965$1,088,805
72$2,015,392$264,322$41,145$1,138,998
73$2,170,693$227,005$0$1,193,796
74$2,340,252$186,277$0$1,254,295
75$2,525,473$141,920$0$1,323,810
76$2,727,902$93,704$0$1,399,916
77$2,949,240$41,388$0$1,483,335
78$3,191,362$0$0$1,574,866
79$3,456,332$0$0$1,683,472
80$3,746,421$0$0$1,826,366
81$4,064,132$0$0$1,982,927
82$4,412,220$0$0$2,154,521
83$4,793,720$0$0$2,342,652
84$5,211,974$0$0$2,548,975
85$5,670,662$0$0$2,775,316
86$6,173,839$0$0$3,023,683
87$6,725,971$0$0$3,296,291
88$7,331,975$0$0$3,595,576
89$7,997,271$0$0$3,924,225
90$8,727,825$0$0$4,285,196
91$9,530,214$0$0$4,681,748
92$10,411,679$0$0$5,117,472
93$11,380,199$0$0$5,596,322
94$12,444,563$0$0$6,122,656
95$13,614,456$0$0$6,701,275
96$14,900,545$0$0$7,337,467
97$16,314,584$0$0$8,037,060
98$17,869,521$0$0$8,806,473
99$19,579,624$0$0$9,652,780
100$21,460,611$0$0$10,583,773