Can I retire at age 52 with 523,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.8%
1 years$43,189$42,804$42,429$42,062$41,705$40,713
2 years$21,381$20,982$20,597$20,222$19,859$18,866
3 years$14,112$13,712$13,327$12,957$12,600$11,636
4 years$10,479$10,080$9,699$9,335$8,986$8,059
5 years$8,299$7,903$7,527$7,170$6,831$5,944
6 years$6,847$6,453$6,083$5,734$5,405$4,558
7 years$5,809$5,419$5,055$4,714$4,396$3,589
8 years$5,032$4,645$4,287$3,954$3,647$2,880
9 years$4,428$4,045$3,692$3,368$3,071$2,344
10 years$3,944$3,565$3,219$2,904$2,617$1,928
11 years$3,549$3,174$2,834$2,527$2,251$1,600
12 years$3,220$2,849$2,515$2,216$1,950$1,336
13 years$2,942$2,574$2,247$1,957$1,701$1,122
14 years$2,704$2,340$2,019$1,737$1,491$946
15 years$2,497$2,138$1,823$1,549$1,313$801
16 years$2,317$1,961$1,653$1,387$1,160$680
17 years$2,158$1,806$1,504$1,246$1,029$579
18 years$2,017$1,669$1,373$1,123$915$494
19 years$1,891$1,547$1,257$1,015$815$422
20 years$1,778$1,437$1,153$919$728$361
21 years$1,675$1,339$1,061$834$652$310
22 years$1,582$1,250$978$758$584$266
23 years$1,497$1,169$903$691$524$228
24 years$1,420$1,095$835$630$471$196
25 years$1,348$1,028$773$575$424$169
26 years$1,283$966$717$526$382$145
27 years$1,222$909$666$482$344$125
28 years$1,166$857$619$441$311$108
29 years$1,113$808$576$405$281$93
30 years$1,065$763$537$371$254$80
31 years$1,019$721$500$341$229$69
32 years$977$683$467$313$207$59
33 years$937$646$436$288$188$51
34 years$899$613$407$265$170$44
35 years$864$581$381$244$154$38
36 years$831$552$356$225$139$33
37 years$799$524$333$207$126$28
38 years$770$498$312$191$115$24
39 years$742$473$292$176$104$21
40 years$715$450$274$162$94$18
41 years$690$429$257$150$85$16
42 years$666$408$241$138$78$14
43 years$643$389$226$128$70$12
44 years$621$371$212$118$64$10
45 years$601$354$199$109$58$9
46 years$581$337$187$101$53$8
47 years$562$322$176$93$48$7
48 years$544$307$165$86$43$6
49 years$527$294$155$79$39$5
50 years$511$280$146$73$36$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $523,000, adding $6,077 every year, while hoping to spend $40,033 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: 23/47/30 Blend
51$523,000$523,000$523,000$523,000
52$582,614$554,895$546,789$590,427
53$599,446$539,490$522,512$582,334
54$616,653$521,989$496,079$569,947
55$634,231$502,246$467,377$555,847
56$652,175$480,108$436,286$539,921
57$670,476$455,412$402,681$522,049
58$689,125$427,988$366,431$502,101
59$708,109$397,653$327,400$479,944
60$727,414$364,215$285,446$455,434
61$747,020$327,472$240,418$428,422
62$766,907$287,209$192,163$398,747
63$787,049$243,199$140,518$366,241
64$807,415$195,204$85,312$330,727
65$827,971$142,969$26,370$292,016
66$848,678$86,228$0$249,908
67$869,489$24,698$0$215,888
68$890,351$0$0$187,807
69$911,204$0$0$178,724
70$931,981$0$0$182,345
71$952,603$0$0$185,875
72$972,985$0$0$189,290
73$993,026$0$0$192,564
74$1,012,617$0$0$195,667
75$1,031,632$0$0$198,566
76$1,049,933$0$0$201,222
77$1,067,362$0$0$203,596
78$1,083,745$0$0$205,640
79$1,098,885$0$0$207,302
80$1,112,564$0$0$208,526
81$1,124,539$0$0$209,247
82$1,134,538$0$0$209,394
83$1,142,258$0$0$208,889
84$1,147,364$0$0$207,643
85$1,149,481$0$0$205,560
86$1,148,195$0$0$202,531
87$1,143,043$0$0$198,438
88$1,133,515$0$0$193,148
89$1,119,042$0$0$186,514
90$1,098,995$0$0$178,373
91$1,072,676$0$0$168,547
92$1,039,312$0$0$156,836
93$998,048$0$0$143,019
94$947,936$0$0$126,855
95$887,927$0$0$108,073
96$816,862$0$0$86,375
97$733,456$0$0$61,434
98$636,291$0$0$32,886
99$523,797$0$0$329
100$394,242$0$0$0