Can I retire at age 52 with 527,000?

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 $527,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$43,519$43,132$42,753$42,384$42,024$41,328
2 years$21,544$21,143$20,754$20,377$20,011$19,312
3 years$14,220$13,817$13,429$13,056$12,696$12,015
4 years$10,559$10,157$9,773$9,406$9,055$8,398
5 years$8,363$7,963$7,584$7,225$6,883$6,252
6 years$6,899$6,503$6,129$5,778$5,447$4,842
7 years$5,854$5,461$5,093$4,750$4,430$3,851
8 years$5,070$4,681$4,320$3,985$3,675$3,123
9 years$4,461$4,076$3,720$3,394$3,095$2,569
10 years$3,974$3,592$3,244$2,926$2,637$2,137
11 years$3,576$3,198$2,856$2,546$2,268$1,793
12 years$3,245$2,870$2,534$2,233$1,965$1,515
13 years$2,964$2,594$2,264$1,972$1,714$1,288
14 years$2,724$2,358$2,034$1,750$1,502$1,100
15 years$2,517$2,154$1,837$1,561$1,323$943
16 years$2,335$1,976$1,665$1,398$1,169$811
17 years$2,175$1,820$1,515$1,256$1,036$699
18 years$2,032$1,682$1,383$1,132$922$604
19 years$1,905$1,559$1,266$1,023$821$523
20 years$1,791$1,448$1,162$926$734$454
21 years$1,688$1,349$1,069$841$657$394
22 years$1,594$1,259$985$764$589$343
23 years$1,509$1,178$910$696$528$299
24 years$1,431$1,104$841$635$475$260
25 years$1,359$1,036$779$580$427$227
26 years$1,292$973$723$530$385$198
27 years$1,231$916$671$485$347$173
28 years$1,175$863$624$445$313$151
29 years$1,122$814$581$408$283$132
30 years$1,073$769$541$374$255$116
31 years$1,027$727$504$344$231$101
32 years$984$688$470$316$209$89
33 years$944$651$439$290$189$78
34 years$906$617$410$267$171$68
35 years$870$586$384$246$155$60
36 years$837$556$359$227$140$52
37 years$805$528$336$209$127$46
38 years$776$502$315$192$115$40
39 years$747$477$295$177$105$35
40 years$720$454$276$164$95$31
41 years$695$432$259$151$86$27
42 years$671$411$243$139$78$24
43 years$648$392$228$129$71$21
44 years$626$374$214$119$64$18
45 years$605$356$201$110$58$16
46 years$585$340$189$101$53$14
47 years$567$324$177$94$48$12
48 years$548$310$167$86$44$11
49 years$531$296$157$80$40$9
50 years$515$283$147$74$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $527,000, adding $2,851 every year, while hoping to spend $41,871 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: 49/42/9 Blend
51$527,000$527,000$527,000$527,000
52$583,695$555,764$547,595$610,760
53$598,681$538,446$521,389$612,279
54$613,793$518,876$492,902$609,271
55$628,999$496,900$462,013$605,032
56$644,262$472,353$428,596$599,461
57$659,542$445,064$392,519$592,447
58$674,792$414,849$353,645$583,870
59$689,959$381,514$311,831$573,605
60$704,982$344,856$266,924$561,513
61$719,794$304,658$218,770$547,451
62$734,319$260,692$167,205$531,259
63$748,470$212,716$112,056$512,770
64$762,150$160,476$53,147$491,802
65$775,252$103,702$0$468,162
66$787,655$42,110$0$442,575
67$799,222$0$0$419,389
68$809,803$0$0$404,644
69$819,229$0$0$408,705
70$827,310$0$0$412,009
71$833,839$0$0$414,441
72$838,581$0$0$415,873
73$841,277$0$0$416,165
74$841,639$0$0$415,160
75$839,345$0$0$412,683
76$834,042$0$0$408,542
77$825,333$0$0$402,522
78$812,783$0$0$394,386
79$795,904$0$0$383,871
80$774,162$0$0$370,684
81$746,959$0$0$354,504
82$713,637$0$0$334,972
83$673,467$0$0$311,694
84$625,642$0$0$284,233
85$569,267$0$0$252,103
86$503,357$0$0$214,771
87$426,818$0$0$171,646
88$338,445$0$0$122,073
89$236,902$0$0$65,330
90$120,715$0$0$620
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