Can I retire at age 52 with 530,000?

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 $530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$43,767$43,377$42,997$42,625$42,263$41,308
2 years$21,667$21,263$20,872$20,493$20,125$19,169
3 years$14,301$13,896$13,506$13,130$12,768$11,840
4 years$10,619$10,215$9,829$9,459$9,106$8,213
5 years$8,410$8,009$7,627$7,266$6,923$6,066
6 years$6,938$6,540$6,164$5,811$5,478$4,660
7 years$5,887$5,492$5,122$4,777$4,455$3,675
8 years$5,099$4,708$4,344$4,007$3,696$2,955
9 years$4,487$4,099$3,742$3,413$3,112$2,409
10 years$3,997$3,613$3,262$2,942$2,652$1,985
11 years$3,597$3,216$2,872$2,561$2,281$1,650
12 years$3,263$2,887$2,549$2,246$1,976$1,381
13 years$2,981$2,609$2,277$1,983$1,723$1,162
14 years$2,740$2,371$2,046$1,760$1,511$982
15 years$2,531$2,166$1,847$1,570$1,330$833
16 years$2,348$1,988$1,675$1,406$1,176$709
17 years$2,187$1,830$1,524$1,263$1,042$605
18 years$2,044$1,691$1,391$1,138$927$517
19 years$1,916$1,568$1,274$1,028$826$443
20 years$1,801$1,457$1,169$931$738$380
21 years$1,697$1,357$1,075$845$660$326
22 years$1,603$1,267$991$769$592$281
23 years$1,517$1,185$915$700$531$242
24 years$1,439$1,110$846$638$478$208
25 years$1,366$1,042$784$583$430$179
26 years$1,300$979$727$533$387$155
27 years$1,238$921$675$488$349$134
28 years$1,181$868$627$447$315$115
29 years$1,128$819$584$410$284$100
30 years$1,079$773$544$376$257$86
31 years$1,033$731$507$346$232$74
32 years$990$692$473$318$210$64
33 years$949$655$442$292$190$56
34 years$911$621$413$269$172$48
35 years$875$589$386$247$156$42
36 years$842$559$361$228$141$36
37 years$810$531$338$210$128$31
38 years$780$505$316$193$116$27
39 years$752$480$296$178$105$23
40 years$725$456$278$165$95$20
41 years$699$435$261$152$87$17
42 years$675$414$244$140$79$15
43 years$652$394$229$129$71$13
44 years$630$376$215$119$65$11
45 years$609$358$202$110$59$10
46 years$589$342$190$102$53$8
47 years$570$326$178$94$48$7
48 years$552$311$168$87$44$6
49 years$534$297$158$80$40$5
50 years$517$284$148$74$36$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $530,000, adding $4,086 every year, while hoping to spend $38,507 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: 80/14/6 Blend
51$530,000$530,000$530,000$530,000
52$588,275$560,185$551,970$634,738
53$607,308$546,663$529,490$652,226
54$626,991$531,187$504,966$665,902
55$647,351$513,623$478,289$679,738
56$668,415$493,824$449,346$693,730
57$690,211$471,639$418,016$707,872
58$712,769$446,905$384,176$722,160
59$736,120$419,453$347,695$736,590
60$760,299$389,101$308,438$751,155
61$785,341$355,658$266,262$765,850
62$811,283$318,922$221,018$780,669
63$838,165$278,681$172,554$795,608
64$866,029$234,707$120,705$810,659
65$894,920$186,764$65,305$825,817
66$924,885$134,599$6,176$841,076
67$955,975$77,946$0$856,431
68$988,244$16,525$0$875,520
69$1,021,749$0$0$895,352
70$1,056,553$0$0$923,238
71$1,092,719$0$0$954,864
72$1,130,319$0$0$987,745
73$1,169,428$0$0$1,021,947
74$1,210,126$0$0$1,057,543
75$1,252,500$0$0$1,094,606
76$1,296,642$0$0$1,133,220
77$1,342,654$0$0$1,173,472
78$1,390,642$0$0$1,215,456
79$1,440,722$0$0$1,259,275
80$1,493,020$0$0$1,305,039
81$1,547,670$0$0$1,352,866
82$1,604,819$0$0$1,402,884
83$1,664,625$0$0$1,455,234
84$1,727,259$0$0$1,510,064
85$1,792,906$0$0$1,567,539
86$1,861,767$0$0$1,627,835
87$1,934,061$0$0$1,691,144
88$2,010,024$0$0$1,757,674
89$2,089,914$0$0$1,827,652
90$2,174,011$0$0$1,901,325
91$2,262,620$0$0$1,978,962
92$2,356,073$0$0$2,060,853
93$2,454,732$0$0$2,147,319
94$2,558,992$0$0$2,238,707
95$2,669,284$0$0$2,335,395
96$2,786,078$0$0$2,437,799
97$2,909,888$0$0$2,546,369
98$3,041,274$0$0$2,661,601
99$3,180,851$0$0$2,784,036
100$3,329,290$0$0$2,914,263