Can I retire at age 52 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$43,354$42,968$42,591$42,223$41,864$41,053
2 years$21,462$21,063$20,675$20,300$19,935$19,121
3 years$14,166$13,765$13,378$13,006$12,648$11,856
4 years$10,519$10,118$9,736$9,370$9,021$8,257
5 years$8,331$7,933$7,556$7,197$6,857$6,125
6 years$6,873$6,478$6,106$5,756$5,426$4,725
7 years$5,832$5,440$5,074$4,732$4,413$3,744
8 years$5,051$4,663$4,303$3,970$3,661$3,024
9 years$4,444$4,060$3,706$3,381$3,083$2,477
10 years$3,959$3,579$3,231$2,915$2,627$2,052
11 years$3,563$3,186$2,845$2,537$2,259$1,714
12 years$3,232$2,860$2,525$2,225$1,958$1,442
13 years$2,953$2,584$2,256$1,964$1,707$1,220
14 years$2,714$2,349$2,027$1,744$1,496$1,037
15 years$2,507$2,146$1,830$1,555$1,318$884
16 years$2,326$1,969$1,659$1,392$1,165$757
17 years$2,166$1,813$1,510$1,251$1,033$649
18 years$2,025$1,675$1,378$1,127$918$558
19 years$1,898$1,553$1,262$1,019$818$481
20 years$1,784$1,443$1,158$923$731$415
21 years$1,681$1,344$1,065$837$654$359
22 years$1,588$1,255$982$761$586$310
23 years$1,503$1,173$906$693$526$269
24 years$1,425$1,099$838$632$473$233
25 years$1,354$1,032$776$578$426$202
26 years$1,288$970$720$528$383$176
27 years$1,227$913$669$483$346$153
28 years$1,170$860$622$443$312$133
29 years$1,118$811$578$406$282$115
30 years$1,069$766$539$373$255$100
31 years$1,023$724$502$342$230$87
32 years$980$685$469$315$208$76
33 years$940$649$438$289$188$66
34 years$903$615$409$266$171$57
35 years$867$583$382$245$154$50
36 years$834$554$358$226$140$44
37 years$802$526$335$208$127$38
38 years$773$500$313$192$115$33
39 years$744$475$294$177$104$29
40 years$718$452$275$163$95$25
41 years$692$430$258$150$86$22
42 years$668$410$242$139$78$19
43 years$646$391$227$128$71$17
44 years$624$372$213$118$64$14
45 years$603$355$200$109$58$13
46 years$583$339$188$101$53$11
47 years$564$323$177$93$48$10
48 years$546$309$166$86$44$8
49 years$529$295$156$80$40$7
50 years$513$281$147$74$36$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $525,000, adding $4,843 every year, while hoping to spend $42,164 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: 36/40/24 Blend
51$525,000$525,000$525,000$525,000
52$583,546$555,721$547,583$600,186
53$598,205$538,089$521,065$595,234
54$612,947$518,180$492,245$585,671
55$627,734$495,838$461,002$574,507
56$642,526$470,897$427,209$561,625
57$657,277$443,183$390,733$546,901
58$671,931$412,512$351,436$530,200
59$686,431$378,688$309,171$511,383
60$700,707$341,504$263,789$490,297
61$714,684$300,742$215,130$466,782
62$728,275$256,171$163,030$440,666
63$741,384$207,549$107,317$411,766
64$753,903$154,617$47,810$379,886
65$765,712$97,104$0$344,819
66$776,675$34,722$0$310,360
67$786,641$0$0$285,579
68$795,442$0$0$272,472
69$802,891$0$0$274,069
70$808,778$0$0$275,004
71$812,871$0$0$275,184
72$814,913$0$0$274,504
73$814,615$0$0$272,849
74$811,659$0$0$270,091
75$805,691$0$0$266,088
76$796,318$0$0$260,683
77$783,106$0$0$253,702
78$765,571$0$0$244,951
79$743,179$0$0$234,216
80$715,338$0$0$221,262
81$681,393$0$0$205,825
82$640,617$0$0$187,617
83$592,208$0$0$166,317
84$535,279$0$0$141,570
85$468,846$0$0$112,985
86$391,825$0$0$80,130
87$303,016$0$0$42,525
88$201,091$0$0$0
89$84,586$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0