Can I retire at age 52 with 531,000?

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 $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%11.7%
1 years$43,849$43,459$43,078$42,706$42,343$42,041
2 years$21,708$21,303$20,912$20,532$20,163$19,859
3 years$14,328$13,922$13,531$13,155$12,792$12,495
4 years$10,639$10,234$9,847$9,477$9,124$8,835
5 years$8,426$8,024$7,642$7,279$6,936$6,657
6 years$6,951$6,552$6,176$5,821$5,488$5,220
7 years$5,898$5,502$5,132$4,786$4,463$4,206
8 years$5,109$4,716$4,352$4,015$3,703$3,456
9 years$4,495$4,107$3,749$3,420$3,118$2,882
10 years$4,005$3,620$3,268$2,948$2,657$2,431
11 years$3,603$3,222$2,877$2,566$2,285$2,069
12 years$3,269$2,892$2,554$2,250$1,980$1,774
13 years$2,987$2,614$2,281$1,987$1,727$1,530
14 years$2,745$2,376$2,050$1,764$1,514$1,327
15 years$2,536$2,170$1,851$1,573$1,333$1,155
16 years$2,353$1,991$1,678$1,408$1,178$1,009
17 years$2,191$1,834$1,527$1,265$1,044$885
18 years$2,048$1,695$1,394$1,140$929$777
19 years$1,920$1,571$1,276$1,030$828$685
20 years$1,805$1,459$1,171$933$739$604
21 years$1,701$1,359$1,077$847$662$534
22 years$1,606$1,269$993$770$593$473
23 years$1,520$1,187$917$701$532$419
24 years$1,441$1,112$848$640$478$372
25 years$1,369$1,044$785$584$431$330
26 years$1,302$981$728$534$388$294
27 years$1,241$923$676$489$350$261
28 years$1,183$870$629$448$315$233
29 years$1,130$821$585$411$285$207
30 years$1,081$775$545$377$257$185
31 years$1,035$733$508$346$233$165
32 years$991$693$474$318$211$147
33 years$951$656$443$293$191$131
34 years$913$622$413$269$172$117
35 years$877$590$387$248$156$105
36 years$843$560$362$228$142$93
37 years$812$532$338$210$128$83
38 years$781$506$317$194$116$75
39 years$753$481$297$179$105$67
40 years$726$457$278$165$96$60
41 years$700$435$261$152$87$53
42 years$676$415$245$140$79$48
43 years$653$395$230$130$71$43
44 years$631$377$216$120$65$38
45 years$610$359$202$110$59$34
46 years$590$343$190$102$53$30
47 years$571$327$179$94$49$27
48 years$553$312$168$87$44$24
49 years$535$298$158$81$40$22
50 years$518$285$148$74$36$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $531,000, adding $6,571 every year, while hoping to spend $22,094 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: 48/30/22 Blend
51$531,000$531,000$531,000$531,000
52$591,940$563,797$555,566$616,377
53$628,810$567,915$550,670$638,214
54$668,700$571,495$544,869$659,174
55$711,896$574,486$538,110$681,482
56$758,709$576,836$530,337$705,272
57$809,484$578,488$521,490$730,697
58$864,601$579,383$511,509$757,923
59$924,474$579,457$500,329$787,136
60$989,563$578,642$487,882$818,542
61$1,060,371$576,868$474,099$852,370
62$1,137,452$574,058$458,904$888,871
63$1,221,416$570,131$442,222$928,325
64$1,312,935$565,002$423,971$971,043
65$1,412,747$558,580$404,067$1,017,367
66$1,521,666$550,769$382,422$1,067,678
67$1,640,587$541,467$358,943$1,122,395
68$1,770,494$530,566$333,535$1,181,984
69$1,912,472$517,952$306,097$1,246,961
70$2,067,716$503,504$276,523$1,317,894
71$2,237,541$487,093$244,704$1,395,414
72$2,423,393$468,583$210,524$1,480,218
73$2,626,868$447,832$173,865$1,573,077
74$2,849,719$424,687$134,601$1,674,844
75$3,093,882$398,988$92,601$1,786,460
76$3,361,484$370,565$47,730$1,908,967
77$3,654,870$339,237$0$2,043,517
78$3,976,623$304,816$0$2,191,420
79$4,329,587$267,100$0$2,366,003
80$4,716,894$225,878$0$2,557,641
81$5,141,997$180,925$0$2,768,089
82$5,608,695$132,004$0$2,999,283
83$6,121,175$78,867$0$3,253,358
84$6,684,052$21,248$0$3,532,670
85$7,302,405$0$0$3,839,821
86$7,981,832$0$0$4,191,255
87$8,728,500$0$0$4,585,242
88$9,549,203$0$0$5,018,360
89$10,451,425$0$0$5,494,566
90$11,443,412$0$0$6,018,223
91$12,534,248$0$0$6,594,133
92$13,733,944$0$0$7,227,590
93$15,053,527$0$0$7,924,428
94$16,505,147$0$0$8,691,070
95$18,102,191$0$0$9,534,599
96$19,859,409$0$0$10,462,814
97$21,793,053$0$0$11,484,311
98$23,921,031$0$0$12,608,561
99$26,263,073$0$0$13,845,999
100$28,840,919$0$0$15,208,124