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%16.6%
1 years$43,849$43,459$43,078$42,706$42,343$41,202
2 years$21,708$21,303$20,912$20,532$20,163$19,022
3 years$14,328$13,922$13,531$13,155$12,792$11,687
4 years$10,639$10,234$9,847$9,477$9,124$8,062
5 years$8,426$8,024$7,642$7,279$6,936$5,921
6 years$6,951$6,552$6,176$5,821$5,488$4,521
7 years$5,898$5,502$5,132$4,786$4,463$3,544
8 years$5,109$4,716$4,352$4,015$3,703$2,830
9 years$4,495$4,107$3,749$3,420$3,118$2,292
10 years$4,005$3,620$3,268$2,948$2,657$1,876
11 years$3,603$3,222$2,877$2,566$2,285$1,549
12 years$3,269$2,892$2,554$2,250$1,980$1,287
13 years$2,987$2,614$2,281$1,987$1,727$1,075
14 years$2,745$2,376$2,050$1,764$1,514$902
15 years$2,536$2,170$1,851$1,573$1,333$759
16 years$2,353$1,991$1,678$1,408$1,178$641
17 years$2,191$1,834$1,527$1,265$1,044$542
18 years$2,048$1,695$1,394$1,140$929$460
19 years$1,920$1,571$1,276$1,030$828$391
20 years$1,805$1,459$1,171$933$739$332
21 years$1,701$1,359$1,077$847$662$283
22 years$1,606$1,269$993$770$593$241
23 years$1,520$1,187$917$701$532$206
24 years$1,441$1,112$848$640$478$176
25 years$1,369$1,044$785$584$431$150
26 years$1,302$981$728$534$388$129
27 years$1,241$923$676$489$350$110
28 years$1,183$870$629$448$315$94
29 years$1,130$821$585$411$285$81
30 years$1,081$775$545$377$257$69
31 years$1,035$733$508$346$233$59
32 years$991$693$474$318$211$51
33 years$951$656$443$293$191$43
34 years$913$622$413$269$172$37
35 years$877$590$387$248$156$32
36 years$843$560$362$228$142$27
37 years$812$532$338$210$128$23
38 years$781$506$317$194$116$20
39 years$753$481$297$179$105$17
40 years$726$457$278$165$96$15
41 years$700$435$261$152$87$13
42 years$676$415$245$140$79$11
43 years$653$395$230$130$71$9
44 years$631$377$216$120$65$8
45 years$610$359$202$110$59$7
46 years$590$343$190$102$53$6
47 years$571$327$179$94$49$5
48 years$553$312$168$87$44$4
49 years$535$298$158$81$40$4
50 years$518$285$148$74$36$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $531,000, adding $6,822 every year, while hoping to spend $32,754 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: 52/21/27 Blend
51$531,000$531,000$531,000$531,000
52$592,199$564,056$555,825$618,201
53$617,753$556,845$539,596$629,758
54$644,816$548,182$521,724$638,451
55$673,507$537,963$502,122$647,253
56$703,957$526,075$480,695$656,188
57$736,308$512,400$457,345$665,286
58$770,715$496,812$431,970$674,578
59$807,350$479,178$404,464$684,104
60$846,400$459,357$374,713$693,909
61$888,069$437,202$342,602$704,044
62$932,581$412,554$308,009$714,571
63$980,183$385,247$270,805$725,556
64$1,031,142$355,105$230,858$737,079
65$1,085,756$321,943$188,029$749,230
66$1,144,347$285,562$142,172$762,110
67$1,207,272$245,756$93,136$775,835
68$1,274,920$202,304$40,762$790,537
69$1,347,720$154,976$0$806,363
70$1,426,143$103,525$0$827,840
71$1,510,706$47,693$0$863,614
72$1,601,975$0$0$902,194
73$1,700,574$0$0$946,829
74$1,807,190$0$0$1,007,053
75$1,922,574$0$0$1,072,274
76$2,047,556$0$0$1,142,966
77$2,183,046$0$0$1,219,651
78$2,330,045$0$0$1,302,900
79$2,489,654$0$0$1,393,345
80$2,663,085$0$0$1,491,678
81$2,851,669$0$0$1,598,662
82$3,056,873$0$0$1,715,135
83$3,280,310$0$0$1,842,020
84$3,523,753$0$0$1,980,335
85$3,789,156$0$0$2,131,195
86$4,078,669$0$0$2,295,833
87$4,394,657$0$0$2,475,603
88$4,739,725$0$0$2,671,995
89$5,116,739$0$0$2,886,651
90$5,528,856$0$0$3,121,379
91$5,979,550$0$0$3,378,169
92$6,472,648$0$0$3,659,211
93$7,012,362$0$0$3,966,917
94$7,603,332$0$0$4,303,946
95$8,250,665$0$0$4,673,222
96$8,959,988$0$0$5,077,968
97$9,737,496$0$0$5,521,733
98$10,590,012$0$0$6,008,424
99$11,525,054$0$0$6,542,348
100$12,550,897$0$0$7,128,245