Can I retire at age 52 with 528,000?

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 $528,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$43,602$43,213$42,834$42,465$42,103$40,610
2 years$21,585$21,183$20,793$20,416$20,049$18,560
3 years$14,247$13,843$13,455$13,081$12,720$11,282
4 years$10,579$10,176$9,792$9,424$9,072$7,697
5 years$8,378$7,978$7,599$7,238$6,896$5,588
6 years$6,912$6,515$6,141$5,789$5,457$4,215
7 years$5,865$5,471$5,103$4,759$4,438$3,263
8 years$5,080$4,690$4,328$3,992$3,682$2,573
9 years$4,470$4,083$3,728$3,401$3,101$2,056
10 years$3,982$3,599$3,250$2,931$2,642$1,660
11 years$3,583$3,204$2,861$2,551$2,272$1,351
12 years$3,251$2,876$2,539$2,238$1,969$1,106
13 years$2,970$2,599$2,269$1,976$1,717$910
14 years$2,730$2,362$2,038$1,754$1,505$752
15 years$2,521$2,158$1,840$1,564$1,325$623
16 years$2,339$1,980$1,668$1,400$1,171$518
17 years$2,179$1,824$1,518$1,258$1,038$431
18 years$2,036$1,685$1,386$1,134$923$360
19 years$1,909$1,562$1,269$1,025$823$301
20 years$1,795$1,451$1,164$928$735$251
21 years$1,691$1,352$1,071$842$658$211
22 years$1,597$1,262$987$766$590$177
23 years$1,512$1,180$911$697$529$148
24 years$1,433$1,106$843$636$476$124
25 years$1,361$1,038$781$581$428$104
26 years$1,295$975$724$531$386$88
27 years$1,234$918$672$486$348$74
28 years$1,177$865$625$445$314$62
29 years$1,124$816$582$408$283$52
30 years$1,075$770$542$375$256$44
31 years$1,029$728$505$344$231$37
32 years$986$689$471$316$209$31
33 years$946$653$440$291$189$26
34 years$908$619$411$268$172$22
35 years$872$587$384$246$155$18
36 years$839$557$360$227$141$15
37 years$807$529$337$209$128$13
38 years$777$503$315$193$116$11
39 years$749$478$295$178$105$9
40 years$722$455$277$164$95$8
41 years$696$433$260$151$86$7
42 years$672$412$243$140$78$6
43 years$649$393$228$129$71$5
44 years$627$374$214$119$65$4
45 years$606$357$201$110$59$3
46 years$587$341$189$101$53$3
47 years$568$325$178$94$48$2
48 years$549$310$167$87$44$2
49 years$532$296$157$80$40$2
50 years$516$283$148$74$36$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $528,000, adding $6,880 every year, while hoping to spend $34,202 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: 60/27/13 Blend
51$528,000$528,000$528,000$528,000
52$588,953$560,969$552,785$622,009
53$612,635$552,066$534,912$636,171
54$637,587$541,580$515,295$647,154
55$663,902$529,398$493,838$658,313
56$691,680$515,399$470,442$669,669
57$721,035$499,457$445,005$681,244
58$752,085$481,435$417,418$693,066
59$784,965$461,192$387,568$705,167
60$819,817$438,576$355,337$717,585
61$856,800$413,428$320,603$730,360
62$896,086$385,579$283,235$743,544
63$937,864$354,849$243,101$757,191
64$982,340$321,051$200,059$771,366
65$1,029,740$283,984$153,962$786,142
66$1,080,312$243,437$104,659$801,603
67$1,134,327$199,189$51,988$817,844
68$1,192,082$151,002$0$834,971
69$1,253,902$98,629$0$853,693
70$1,320,145$41,807$0$881,295
71$1,391,203$0$0$910,738
72$1,467,505$0$0$948,089
73$1,549,524$0$0$1,001,620
74$1,637,778$0$0$1,059,251
75$1,732,834$0$0$1,121,357
76$1,835,319$0$0$1,188,352
77$1,945,917$0$0$1,260,687
78$2,065,384$0$0$1,338,861
79$2,194,547$0$0$1,423,420
80$2,334,317$0$0$1,514,966
81$2,485,695$0$0$1,614,160
82$2,649,783$0$0$1,721,729
83$2,827,789$0$0$1,838,473
84$3,021,046$0$0$1,965,269
85$3,231,016$0$0$2,103,086
86$3,459,311$0$0$2,252,987
87$3,707,703$0$0$2,416,142
88$3,978,139$0$0$2,593,840
89$4,272,767$0$0$2,787,498
90$4,593,945$0$0$2,998,675
91$4,944,272$0$0$3,229,088
92$5,326,607$0$0$3,480,626
93$5,744,098$0$0$3,755,369
94$6,200,210$0$0$4,055,607
95$6,698,757$0$0$4,383,861
96$7,243,939$0$0$4,742,907
97$7,840,379$0$0$5,135,799
98$8,493,169$0$0$5,565,904
99$9,207,916$0$0$6,036,927
100$9,990,793$0$0$6,552,948