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%19.8%
1 years$43,849$43,459$43,078$42,706$42,343$40,679
2 years$21,708$21,303$20,912$20,532$20,163$18,507
3 years$14,328$13,922$13,531$13,155$12,792$11,196
4 years$10,639$10,234$9,847$9,477$9,124$7,600
5 years$8,426$8,024$7,642$7,279$6,936$5,488
6 years$6,951$6,552$6,176$5,821$5,488$4,117
7 years$5,898$5,502$5,132$4,786$4,463$3,169
8 years$5,109$4,716$4,352$4,015$3,703$2,484
9 years$4,495$4,107$3,749$3,420$3,118$1,973
10 years$4,005$3,620$3,268$2,948$2,657$1,583
11 years$3,603$3,222$2,877$2,566$2,285$1,279
12 years$3,269$2,892$2,554$2,250$1,980$1,041
13 years$2,987$2,614$2,281$1,987$1,727$851
14 years$2,745$2,376$2,050$1,764$1,514$698
15 years$2,536$2,170$1,851$1,573$1,333$574
16 years$2,353$1,991$1,678$1,408$1,178$474
17 years$2,191$1,834$1,527$1,265$1,044$392
18 years$2,048$1,695$1,394$1,140$929$324
19 years$1,920$1,571$1,276$1,030$828$269
20 years$1,805$1,459$1,171$933$739$223
21 years$1,701$1,359$1,077$847$662$185
22 years$1,606$1,269$993$770$593$154
23 years$1,520$1,187$917$701$532$128
24 years$1,441$1,112$848$640$478$107
25 years$1,369$1,044$785$584$431$89
26 years$1,302$981$728$534$388$74
27 years$1,241$923$676$489$350$62
28 years$1,183$870$629$448$315$52
29 years$1,130$821$585$411$285$43
30 years$1,081$775$545$377$257$36
31 years$1,035$733$508$346$233$30
32 years$991$693$474$318$211$25
33 years$951$656$443$293$191$21
34 years$913$622$413$269$172$17
35 years$877$590$387$248$156$14
36 years$843$560$362$228$142$12
37 years$812$532$338$210$128$10
38 years$781$506$317$194$116$8
39 years$753$481$297$179$105$7
40 years$726$457$278$165$96$6
41 years$700$435$261$152$87$5
42 years$676$415$245$140$79$4
43 years$653$395$230$130$71$3
44 years$631$377$216$120$65$3
45 years$610$359$202$110$59$2
46 years$590$343$190$102$53$2
47 years$571$327$179$94$49$2
48 years$553$312$168$87$44$1
49 years$535$298$158$81$40$1
50 years$518$285$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 $531,000, adding $6,677 every year, while hoping to spend $25,266 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: 49/30/21 Blend
51$531,000$531,000$531,000$531,000
52$592,049$563,906$555,676$617,263
53$625,556$564,655$547,408$636,219
54$661,633$564,593$538,017$653,703
55$700,516$563,655$527,437$672,171
56$742,464$561,770$515,602$691,725
57$787,762$558,864$502,441$712,480
58$836,722$554,856$487,881$734,565
59$889,687$549,663$471,844$758,121
60$947,034$543,195$454,250$783,306
61$1,009,178$535,359$435,014$810,297
62$1,076,576$526,053$414,048$839,290
63$1,149,728$515,171$391,261$870,501
64$1,229,188$502,602$366,556$904,173
65$1,315,562$488,226$339,832$940,574
66$1,409,517$471,917$310,984$980,003
67$1,511,788$453,541$279,902$1,022,789
68$1,623,183$432,958$246,472$1,069,301
69$1,744,593$410,017$210,574$1,119,946
70$1,876,995$384,562$172,082$1,175,175
71$2,021,467$356,425$130,865$1,235,490
72$2,179,196$325,429$86,789$1,301,446
73$2,351,487$291,387$39,709$1,373,659
74$2,539,777$254,103$0$1,452,809
75$2,745,648$213,368$0$1,542,013
76$2,970,843$168,962$0$1,649,396
77$3,217,279$120,652$0$1,767,012
78$3,487,069$68,191$0$1,895,925
79$3,782,540$11,322$0$2,037,309
80$4,106,251$0$0$2,192,460
81$4,461,025$0$0$2,379,393
82$4,849,967$0$0$2,588,486
83$5,276,500$0$0$2,817,848
84$5,744,393$0$0$3,069,513
85$6,257,796$0$0$3,345,721
86$6,821,281$0$0$3,648,941
87$7,439,885$0$0$3,981,891
88$8,119,156$0$0$4,347,565
89$8,865,205$0$0$4,749,264
90$9,684,765$0$0$5,190,620
91$10,585,253$0$0$5,675,638
92$11,574,838$0$0$6,208,728
93$12,662,522$0$0$6,794,751
94$13,858,223$0$0$7,439,058
95$15,172,865$0$0$8,147,549
96$16,618,485$0$0$8,926,722
97$18,208,345$0$0$9,783,736
98$19,957,056$0$0$10,726,480
99$21,880,716$0$0$11,763,646
100$23,997,063$0$0$12,904,809