Can I retire at age 52 with 531,000?

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 $531,000?

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$43,849$43,459$43,078$42,706$42,343$41,641
2 years$21,708$21,303$20,912$20,532$20,163$19,459
3 years$14,328$13,922$13,531$13,155$12,792$12,106
4 years$10,639$10,234$9,847$9,477$9,124$8,462
5 years$8,426$8,024$7,642$7,279$6,936$6,300
6 years$6,951$6,552$6,176$5,821$5,488$4,879
7 years$5,898$5,502$5,132$4,786$4,463$3,881
8 years$5,109$4,716$4,352$4,015$3,703$3,147
9 years$4,495$4,107$3,749$3,420$3,118$2,589
10 years$4,005$3,620$3,268$2,948$2,657$2,153
11 years$3,603$3,222$2,877$2,566$2,285$1,807
12 years$3,269$2,892$2,554$2,250$1,980$1,527
13 years$2,987$2,614$2,281$1,987$1,727$1,298
14 years$2,745$2,376$2,050$1,764$1,514$1,108
15 years$2,536$2,170$1,851$1,573$1,333$950
16 years$2,353$1,991$1,678$1,408$1,178$817
17 years$2,191$1,834$1,527$1,265$1,044$704
18 years$2,048$1,695$1,394$1,140$929$609
19 years$1,920$1,571$1,276$1,030$828$527
20 years$1,805$1,459$1,171$933$739$457
21 years$1,701$1,359$1,077$847$662$397
22 years$1,606$1,269$993$770$593$346
23 years$1,520$1,187$917$701$532$301
24 years$1,441$1,112$848$640$478$262
25 years$1,369$1,044$785$584$431$229
26 years$1,302$981$728$534$388$200
27 years$1,241$923$676$489$350$175
28 years$1,183$870$629$448$315$153
29 years$1,130$821$585$411$285$133
30 years$1,081$775$545$377$257$117
31 years$1,035$733$508$346$233$102
32 years$991$693$474$318$211$89
33 years$951$656$443$293$191$78
34 years$913$622$413$269$172$69
35 years$877$590$387$248$156$60
36 years$843$560$362$228$142$53
37 years$812$532$338$210$128$46
38 years$781$506$317$194$116$40
39 years$753$481$297$179$105$35
40 years$726$457$278$165$96$31
41 years$700$435$261$152$87$27
42 years$676$415$245$140$79$24
43 years$653$395$230$130$71$21
44 years$631$377$216$120$65$18
45 years$610$359$202$110$59$16
46 years$590$343$190$102$53$14
47 years$571$327$179$94$49$12
48 years$553$312$168$87$44$11
49 years$535$298$158$81$40$10
50 years$518$285$148$74$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $531,000, adding $6,406 every year, while hoping to spend $32,083 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: 43/29/28 Blend
51$531,000$531,000$531,000$531,000
52$591,770$563,627$555,396$612,152
53$617,994$557,108$539,866$620,850
54$645,818$549,195$522,740$626,744
55$675,371$539,785$503,931$632,517
56$706,795$528,770$483,349$638,177
57$740,243$516,035$460,896$643,735
58$775,886$501,459$436,474$649,206
59$813,908$484,913$409,978$654,607
60$854,514$466,261$381,299$659,962
61$897,925$445,359$350,324$665,301
62$944,387$422,054$316,933$670,658
63$994,166$396,186$281,002$676,075
64$1,047,556$367,585$242,400$681,602
65$1,104,879$336,069$200,994$687,298
66$1,166,490$301,449$156,640$693,231
67$1,232,775$263,523$109,190$699,481
68$1,304,161$222,079$58,492$706,141
69$1,381,117$176,893$4,382$713,319
70$1,464,156$127,725$0$721,136
71$1,553,843$74,327$0$745,676
72$1,650,799$16,433$0$773,590
73$1,755,707$0$0$803,807
74$1,869,315$0$0$851,345
75$1,992,449$0$0$908,608
76$2,126,015$0$0$970,781
77$2,271,011$0$0$1,038,334
78$2,428,532$0$0$1,111,786
79$2,599,786$0$0$1,191,708
80$2,786,100$0$0$1,278,727
81$2,988,933$0$0$1,373,535
82$3,209,893$0$0$1,476,891
83$3,450,747$0$0$1,589,631
84$3,713,442$0$0$1,712,677
85$4,000,120$0$0$1,847,043
86$4,313,137$0$0$1,993,843
87$4,655,091$0$0$2,154,307
88$5,028,837$0$0$2,329,786
89$5,437,521$0$0$2,521,770
90$5,884,607$0$0$2,731,898
91$6,373,908$0$0$2,961,976
92$6,909,623$0$0$3,213,992
93$7,496,378$0$0$3,490,135
94$8,139,263$0$0$3,792,816
95$8,843,887$0$0$4,124,692
96$9,616,428$0$0$4,488,687
97$10,463,687$0$0$4,888,022
98$11,393,158$0$0$5,326,247
99$12,413,093$0$0$5,807,269
100$13,532,584$0$0$6,335,394