Can I retire at age 52 with 523,000?

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 $523,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$43,189$42,804$42,429$42,062$41,705$40,500
2 years$21,381$20,982$20,597$20,222$19,859$18,655
3 years$14,112$13,712$13,327$12,957$12,600$11,433
4 years$10,479$10,080$9,699$9,335$8,986$7,867
5 years$8,299$7,903$7,527$7,170$6,831$5,762
6 years$6,847$6,453$6,083$5,734$5,405$4,388
7 years$5,809$5,419$5,055$4,714$4,396$3,430
8 years$5,032$4,645$4,287$3,954$3,647$2,731
9 years$4,428$4,045$3,692$3,368$3,071$2,205
10 years$3,944$3,565$3,219$2,904$2,617$1,800
11 years$3,549$3,174$2,834$2,527$2,251$1,481
12 years$3,220$2,849$2,515$2,216$1,950$1,226
13 years$2,942$2,574$2,247$1,957$1,701$1,021
14 years$2,704$2,340$2,019$1,737$1,491$853
15 years$2,497$2,138$1,823$1,549$1,313$716
16 years$2,317$1,961$1,653$1,387$1,160$602
17 years$2,158$1,806$1,504$1,246$1,029$508
18 years$2,017$1,669$1,373$1,123$915$429
19 years$1,891$1,547$1,257$1,015$815$363
20 years$1,778$1,437$1,153$919$728$308
21 years$1,675$1,339$1,061$834$652$261
22 years$1,582$1,250$978$758$584$222
23 years$1,497$1,169$903$691$524$188
24 years$1,420$1,095$835$630$471$160
25 years$1,348$1,028$773$575$424$136
26 years$1,283$966$717$526$382$116
27 years$1,222$909$666$482$344$99
28 years$1,166$857$619$441$311$84
29 years$1,113$808$576$405$281$72
30 years$1,065$763$537$371$254$61
31 years$1,019$721$500$341$229$52
32 years$977$683$467$313$207$45
33 years$937$646$436$288$188$38
34 years$899$613$407$265$170$32
35 years$864$581$381$244$154$28
36 years$831$552$356$225$139$24
37 years$799$524$333$207$126$20
38 years$770$498$312$191$115$17
39 years$742$473$292$176$104$15
40 years$715$450$274$162$94$13
41 years$690$429$257$150$85$11
42 years$666$408$241$138$78$9
43 years$643$389$226$128$70$8
44 years$621$371$212$118$64$7
45 years$601$354$199$109$58$6
46 years$581$337$187$101$53$5
47 years$562$322$176$93$48$4
48 years$544$307$165$86$43$4
49 years$527$294$155$79$39$3
50 years$511$280$146$73$36$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $523,000, adding $4,220 every year, while hoping to spend $21,072 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: 50/39/11 Blend
51$523,000$523,000$523,000$523,000
52$580,699$552,980$544,873$607,817
53$617,510$557,656$540,706$631,515
54$657,369$561,854$535,693$654,677
55$700,566$565,530$529,784$679,364
56$747,417$568,634$522,925$705,725
57$798,271$571,115$515,061$733,924
58$853,514$572,919$506,134$764,145
59$913,566$573,986$496,084$796,589
60$978,893$574,254$484,846$831,479
61$1,050,006$573,659$472,354$869,063
62$1,127,468$572,129$458,539$909,615
63$1,211,897$569,590$443,327$953,436
64$1,303,974$565,964$426,643$1,000,861
65$1,404,450$561,167$408,406$1,052,261
66$1,514,150$555,110$388,533$1,108,044
67$1,633,982$547,700$366,938$1,168,663
68$1,764,947$538,836$343,530$1,234,618
69$1,908,146$528,413$318,212$1,306,461
70$2,064,791$516,319$290,886$1,384,804
71$2,236,218$502,437$261,449$1,470,322
72$2,423,895$486,640$229,791$1,563,762
73$2,629,443$468,795$195,799$1,665,948
74$2,854,643$448,763$159,355$1,777,792
75$3,101,459$426,395$120,336$1,900,300
76$3,372,053$401,534$78,613$2,034,586
77$3,668,807$374,013$34,050$2,181,879
78$3,994,342$343,657$0$2,343,535
79$4,351,549$310,279$0$2,522,639
80$4,743,609$273,685$0$2,723,630
81$5,174,027$233,666$0$2,944,353
82$5,646,666$190,003$0$3,186,846
83$6,165,777$142,464$0$3,453,359
84$6,736,046$90,805$0$3,746,372
85$7,362,636$34,768$0$4,068,624
86$8,051,233$0$0$4,423,137
87$8,808,102$0$0$4,824,368
88$9,640,144$0$0$5,281,912
89$10,554,962$0$0$5,785,039
90$11,560,936$0$0$6,338,362
91$12,667,294$0$0$6,946,966
92$13,884,205$0$0$7,616,453
93$15,222,874$0$0$8,352,997
94$16,695,645$0$0$9,163,398
95$18,316,121$0$0$10,055,149
96$20,099,286$0$0$11,036,506
97$22,061,654$0$0$12,116,568
98$24,221,420$0$0$13,305,358
99$26,598,630$0$0$14,613,920
100$29,215,375$0$0$16,054,426