Can I retire at age 52 with 524,000?

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 $524,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$43,271$42,886$42,510$42,143$41,784$41,504
2 years$21,422$21,023$20,636$20,261$19,897$19,614
3 years$14,139$13,738$13,353$12,981$12,624$12,347
4 years$10,499$10,099$9,717$9,352$9,003$8,735
5 years$8,315$7,918$7,541$7,184$6,844$6,585
6 years$6,860$6,466$6,094$5,745$5,416$5,166
7 years$5,821$5,430$5,064$4,723$4,404$4,165
8 years$5,042$4,654$4,295$3,962$3,654$3,424
9 years$4,436$4,052$3,699$3,375$3,077$2,857
10 years$3,952$3,572$3,225$2,909$2,622$2,411
11 years$3,556$3,180$2,839$2,532$2,255$2,054
12 years$3,226$2,854$2,520$2,221$1,954$1,762
13 years$2,948$2,579$2,251$1,961$1,704$1,521
14 years$2,709$2,345$2,023$1,740$1,494$1,320
15 years$2,502$2,142$1,826$1,552$1,315$1,150
16 years$2,322$1,965$1,656$1,390$1,162$1,005
17 years$2,162$1,810$1,507$1,249$1,031$882
18 years$2,021$1,672$1,375$1,125$916$775
19 years$1,894$1,550$1,259$1,017$817$683
20 years$1,781$1,440$1,156$921$730$603
21 years$1,678$1,341$1,063$836$653$534
22 years$1,585$1,252$980$760$585$473
23 years$1,500$1,171$905$692$525$419
24 years$1,422$1,097$837$631$472$372
25 years$1,351$1,030$775$576$425$331
26 years$1,285$968$719$527$383$294
27 years$1,224$911$667$482$345$262
28 years$1,168$858$620$442$311$234
29 years$1,115$810$577$405$281$208
30 years$1,067$765$538$372$254$186
31 years$1,021$723$501$342$230$166
32 years$978$684$468$314$208$148
33 years$938$648$437$289$188$132
34 years$901$614$408$266$170$118
35 years$866$582$381$245$154$106
36 years$832$553$357$225$140$94
37 years$801$525$334$208$127$84
38 years$771$499$313$191$115$76
39 years$743$474$293$176$104$68
40 years$716$451$275$163$94$60
41 years$691$430$258$150$86$54
42 years$667$409$242$139$78$48
43 years$644$390$227$128$71$43
44 years$623$372$213$118$64$39
45 years$602$354$200$109$58$35
46 years$582$338$188$101$53$31
47 years$563$323$176$93$48$28
48 years$545$308$166$86$44$25
49 years$528$294$156$79$40$22
50 years$512$281$146$73$36$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $524,000, adding $5,147 every year, while hoping to spend $24,620 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: 42/34/24 Blend
51$524,000$524,000$524,000$524,000
52$582,757$554,985$546,863$602,950
53$616,003$555,984$538,988$618,868
54$651,815$556,206$530,023$633,354
55$690,428$555,589$519,907$648,554
56$732,102$554,063$508,574$664,546
57$777,121$551,557$495,956$681,421
58$825,797$547,993$481,981$699,276
59$878,476$543,292$466,574$718,224
60$935,533$537,366$449,657$738,390
61$997,385$530,125$431,149$759,914
62$1,064,489$521,471$410,962$782,950
63$1,137,346$511,303$389,009$807,673
64$1,216,510$499,511$365,195$834,276
65$1,302,587$485,980$339,423$862,977
66$1,396,247$470,590$311,590$894,014
67$1,498,226$453,210$281,589$927,658
68$1,609,333$433,705$249,310$964,205
69$1,730,458$411,930$214,636$1,003,989
70$1,862,584$387,733$177,444$1,047,378
71$2,006,787$360,952$137,609$1,094,783
72$2,164,258$331,417$94,997$1,146,661
73$2,336,303$298,948$49,470$1,203,518
74$2,524,362$263,352$884$1,265,916
75$2,730,021$224,430$0$1,334,480
76$2,955,024$181,969$0$1,422,955
77$3,201,294$135,743$0$1,520,148
78$3,470,947$85,514$0$1,626,726
79$3,766,312$31,033$0$1,743,678
80$4,089,956$0$0$1,872,097
81$4,444,706$0$0$2,023,655
82$4,833,673$0$0$2,202,628
83$5,260,287$0$0$2,398,993
84$5,728,323$0$0$2,614,495
85$6,241,941$0$0$2,851,058
86$6,805,722$0$0$3,110,803
87$7,424,712$0$0$3,396,063
88$8,104,471$0$0$3,709,410
89$8,851,121$0$0$4,053,677
90$9,671,410$0$0$4,431,986
91$10,572,769$0$0$4,847,775
92$11,563,385$0$0$5,304,831
93$12,652,278$0$0$5,807,328
94$13,849,385$0$0$6,359,865
95$15,165,654$0$0$6,967,506
96$16,613,147$0$0$7,635,833
97$18,205,153$0$0$8,370,995
98$19,956,313$0$0$9,179,767
99$21,882,760$0$0$10,069,614
100$24,002,269$0$0$11,048,762