Can I retire at age 52 with 526,000?

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 $526,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$43,437$43,050$42,672$42,304$41,944$40,376
2 years$21,503$21,103$20,715$20,338$19,973$18,411
3 years$14,193$13,791$13,404$13,031$12,672$11,165
4 years$10,539$10,138$9,755$9,388$9,038$7,598
5 years$8,347$7,948$7,570$7,211$6,870$5,501
6 years$6,886$6,490$6,118$5,767$5,436$4,138
7 years$5,843$5,451$5,084$4,741$4,421$3,194
8 years$5,061$4,672$4,311$3,977$3,668$2,511
9 years$4,453$4,068$3,713$3,388$3,089$2,001
10 years$3,967$3,586$3,237$2,920$2,632$1,610
11 years$3,570$3,192$2,850$2,541$2,263$1,306
12 years$3,239$2,865$2,529$2,229$1,961$1,066
13 years$2,959$2,589$2,260$1,968$1,710$874
14 years$2,719$2,353$2,031$1,747$1,499$720
15 years$2,512$2,150$1,833$1,558$1,320$594
16 years$2,330$1,973$1,662$1,395$1,167$492
17 years$2,171$1,817$1,513$1,253$1,035$408
18 years$2,029$1,679$1,381$1,130$920$339
19 years$1,902$1,556$1,264$1,021$820$282
20 years$1,788$1,446$1,160$924$732$235
21 years$1,685$1,347$1,067$839$655$196
22 years$1,591$1,257$983$763$587$164
23 years$1,506$1,176$908$695$527$137
24 years$1,428$1,102$840$634$474$114
25 years$1,356$1,034$778$579$426$96
26 years$1,290$972$721$529$384$80
27 years$1,229$914$670$484$346$67
28 years$1,172$862$623$444$313$56
29 years$1,120$813$579$407$282$47
30 years$1,071$768$540$373$255$39
31 years$1,025$726$503$343$231$33
32 years$982$687$469$315$209$28
33 years$942$650$438$290$189$23
34 years$904$616$410$267$171$19
35 years$869$584$383$245$155$16
36 years$835$555$358$226$140$14
37 years$804$527$335$208$127$11
38 years$774$501$314$192$115$10
39 years$746$476$294$177$104$8
40 years$719$453$276$163$95$7
41 years$694$431$259$151$86$6
42 years$670$411$243$139$78$5
43 years$647$391$228$128$71$4
44 years$625$373$214$119$64$3
45 years$604$356$201$109$58$3
46 years$584$339$188$101$53$2
47 years$565$324$177$93$48$2
48 years$547$309$166$86$44$2
49 years$530$295$156$80$40$1
50 years$514$282$147$74$36$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $526,000, adding $3,505 every year, while hoping to spend $30,959 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: 85/6/9 Blend
51$526,000$526,000$526,000$526,000
52$583,267$555,389$547,236$631,869
53$609,821$549,663$532,629$658,409
54$638,044$542,619$516,494$682,999
55$668,077$534,159$498,749$709,046
56$700,069$524,181$479,305$736,679
57$734,185$512,575$458,070$766,035
58$770,606$499,226$434,950$797,269
59$809,531$484,011$409,844$830,549
60$851,176$466,800$382,647$866,061
61$895,780$447,457$353,249$904,009
62$943,603$425,837$321,537$944,618
63$994,933$401,785$287,391$988,136
64$1,050,084$375,140$250,686$1,034,835
65$1,109,400$345,729$211,291$1,085,017
66$1,173,261$313,373$169,072$1,139,012
67$1,242,084$277,877$123,886$1,197,184
68$1,316,324$239,041$75,584$1,259,936
69$1,396,485$196,650$24,011$1,327,711
70$1,483,117$150,477$0$1,400,995
71$1,576,828$100,284$0$1,483,306
72$1,678,285$45,817$0$1,574,912
73$1,788,219$0$0$1,674,173
74$1,907,438$0$0$1,782,698
75$2,036,826$0$0$1,903,770
76$2,177,360$0$0$2,035,278
77$2,330,110$0$0$2,178,225
78$2,496,256$0$0$2,333,716
79$2,677,097$0$0$2,502,966
80$2,874,059$0$0$2,687,314
81$3,088,714$0$0$2,888,229
82$3,322,791$0$0$3,107,333
83$3,578,193$0$0$3,346,407
84$3,857,016$0$0$3,607,413
85$4,161,564$0$0$3,892,512
86$4,494,378$0$0$4,204,081
87$4,858,250$0$0$4,544,738
88$5,256,260$0$0$4,917,365
89$5,691,793$0$0$5,325,135
90$6,168,583$0$0$5,771,543
91$6,690,736$0$0$6,260,436
92$7,262,776$0$0$6,796,053
93$7,889,687$0$0$7,383,061
94$8,576,955$0$0$8,026,598
95$9,330,624$0$0$8,732,325
96$10,157,350$0$0$9,506,477
97$11,064,464$0$0$10,355,922
98$12,060,043$0$0$11,288,224
99$13,152,981$0$0$12,311,714
100$14,353,078$0$0$13,435,571