Can I retire at age 52 with 518,000?

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 $518,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$42,776$42,395$42,023$41,660$41,306$40,258
2 years$21,176$20,782$20,400$20,029$19,670$18,621
3 years$13,977$13,581$13,200$12,833$12,479$11,462
4 years$10,378$9,984$9,606$9,245$8,900$7,923
5 years$8,220$7,827$7,455$7,101$6,766$5,831
6 years$6,781$6,392$6,025$5,679$5,354$4,462
7 years$5,754$5,368$5,006$4,669$4,354$3,505
8 years$4,984$4,601$4,246$3,917$3,612$2,806
9 years$4,385$4,006$3,657$3,336$3,042$2,278
10 years$3,907$3,531$3,188$2,876$2,592$1,870
11 years$3,515$3,144$2,807$2,503$2,229$1,547
12 years$3,189$2,821$2,491$2,195$1,932$1,289
13 years$2,914$2,550$2,226$1,938$1,684$1,079
14 years$2,678$2,318$2,000$1,720$1,477$908
15 years$2,474$2,117$1,805$1,534$1,300$767
16 years$2,295$1,943$1,637$1,374$1,149$649
17 years$2,138$1,789$1,490$1,234$1,019$551
18 years$1,998$1,653$1,360$1,112$906$469
19 years$1,873$1,532$1,245$1,005$807$399
20 years$1,761$1,424$1,142$910$721$341
21 years$1,659$1,326$1,051$826$645$291
22 years$1,567$1,238$968$751$578$249
23 years$1,483$1,158$894$684$519$213
24 years$1,406$1,085$827$624$467$183
25 years$1,335$1,018$766$570$420$157
26 years$1,270$957$710$521$378$134
27 years$1,210$900$660$477$341$115
28 years$1,155$848$613$437$308$99
29 years$1,103$800$571$401$278$85
30 years$1,054$756$532$368$251$73
31 years$1,009$715$496$338$227$63
32 years$967$676$462$310$205$54
33 years$928$640$432$285$186$46
34 years$891$607$403$263$168$40
35 years$856$576$377$242$152$34
36 years$823$546$353$223$138$29
37 years$792$519$330$205$125$25
38 years$762$493$309$189$113$22
39 years$735$469$290$174$103$19
40 years$708$446$272$161$93$16
41 years$683$425$255$148$85$14
42 years$659$404$239$137$77$12
43 years$637$385$224$126$70$10
44 years$615$367$210$117$63$9
45 years$595$350$198$108$57$8
46 years$575$334$186$100$52$7
47 years$557$319$174$92$47$6
48 years$539$304$164$85$43$5
49 years$522$291$154$79$39$4
50 years$506$278$145$73$35$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $518,000, adding $2,863 every year, while hoping to spend $27,653 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: 50/30/20 Blend
51$518,000$518,000$518,000$518,000
52$573,789$546,335$538,306$599,144
53$602,893$543,683$526,917$614,335
54$634,039$539,974$514,219$627,772
55$667,405$535,127$500,140$641,790
56$703,189$529,057$484,603$656,457
57$741,606$521,672$467,529$671,845
58$782,892$512,876$448,833$688,037
59$827,306$502,567$428,429$705,126
60$875,135$490,636$406,225$723,216
61$926,691$476,969$382,125$742,424
62$982,317$461,445$356,030$762,881
63$1,042,393$443,935$327,836$784,733
64$1,107,332$424,302$297,434$808,144
65$1,177,591$402,405$264,709$833,296
66$1,253,672$378,089$229,544$860,393
67$1,336,126$351,195$191,813$889,663
68$1,425,560$321,553$151,388$921,360
69$1,522,640$288,982$108,133$955,767
70$1,628,101$253,293$61,906$993,200
71$1,742,748$214,285$12,560$1,034,008
72$1,867,469$171,746$0$1,078,584
73$2,003,241$125,452$0$1,135,918
74$2,151,138$75,166$0$1,201,353
75$2,312,343$20,638$0$1,272,778
76$2,488,158$0$0$1,350,828
77$2,680,014$0$0$1,448,879
78$2,889,489$0$0$1,563,423
79$3,118,317$0$0$1,688,604
80$3,368,410$0$0$1,825,473
81$3,641,872$0$0$1,975,189
82$3,941,018$0$0$2,139,027
83$4,268,398$0$0$2,318,391
84$4,626,822$0$0$2,514,827
85$5,019,380$0$0$2,730,038
86$5,449,479$0$0$2,965,900
87$5,920,870$0$0$3,224,478
88$6,437,681$0$0$3,508,047
89$7,004,463$0$0$3,819,111
90$7,626,226$0$0$4,160,432
91$8,308,490$0$0$4,535,048
92$9,057,332$0$0$4,946,308
93$9,879,450$0$0$5,397,900
94$10,782,219$0$0$5,893,887
95$11,773,765$0$0$6,438,745
96$12,863,039$0$0$7,037,404
97$14,059,903$0$0$7,695,296
98$15,375,218$0$0$8,418,407
99$16,820,954$0$0$9,213,327
100$18,410,295$0$0$10,087,321