Can I retire at age 52 with 532,000?

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 $532,000?

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%
1 years$43,932$43,541$43,159$42,786$42,422$41,702
2 years$21,749$21,343$20,951$20,570$20,201$19,478
3 years$14,355$13,948$13,557$13,180$12,816$12,113
4 years$10,659$10,253$9,866$9,495$9,141$8,462
5 years$8,442$8,039$7,656$7,293$6,949$6,296
6 years$6,964$6,564$6,187$5,832$5,498$4,873
7 years$5,909$5,513$5,142$4,795$4,472$3,874
8 years$5,119$4,725$4,361$4,023$3,710$3,140
9 years$4,504$4,114$3,756$3,426$3,124$2,582
10 years$4,012$3,627$3,274$2,954$2,662$2,146
11 years$3,610$3,229$2,883$2,570$2,289$1,800
12 years$3,276$2,898$2,558$2,255$1,984$1,520
13 years$2,993$2,619$2,286$1,990$1,730$1,291
14 years$2,750$2,380$2,054$1,767$1,516$1,101
15 years$2,540$2,174$1,854$1,576$1,335$943
16 years$2,357$1,995$1,681$1,411$1,180$811
17 years$2,195$1,837$1,530$1,268$1,046$699
18 years$2,052$1,698$1,396$1,142$930$603
19 years$1,923$1,574$1,278$1,032$829$522
20 years$1,808$1,462$1,173$935$741$453
21 years$1,704$1,362$1,079$849$663$393
22 years$1,609$1,271$995$772$594$342
23 years$1,523$1,189$918$703$533$297
24 years$1,444$1,114$849$641$479$259
25 years$1,372$1,045$787$585$431$226
26 years$1,305$983$730$535$389$197
27 years$1,243$925$677$490$350$172
28 years$1,186$871$630$449$316$150
29 years$1,132$822$586$412$285$131
30 years$1,083$776$546$378$258$115
31 years$1,037$734$509$347$233$100
32 years$993$694$475$319$211$88
33 years$953$658$443$293$191$77
34 years$915$623$414$270$173$67
35 years$879$591$387$248$157$59
36 years$845$561$362$229$142$51
37 years$813$533$339$211$129$45
38 years$783$506$318$194$117$39
39 years$754$482$298$179$106$34
40 years$727$458$279$165$96$30
41 years$702$436$261$152$87$26
42 years$677$415$245$141$79$23
43 years$654$396$230$130$72$20
44 years$632$377$216$120$65$18
45 years$611$360$203$111$59$16
46 years$591$343$191$102$54$14
47 years$572$328$179$94$49$12
48 years$554$313$168$87$44$10
49 years$536$299$158$81$40$9
50 years$519$285$149$75$36$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $532,000, adding $3,667 every year, while hoping to spend $33,109 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: 53/38/9 Blend
51$532,000$532,000$532,000$532,000
52$590,047$561,851$553,605$619,795
53$615,004$554,153$536,923$632,704
54$641,397$544,970$518,572$642,835
55$669,337$534,191$498,462$653,074
56$698,947$521,704$476,498$663,436
57$730,359$507,387$452,580$673,943
58$763,718$491,112$426,605$684,619
59$799,185$472,744$398,463$695,492
60$836,933$452,139$368,043$706,597
61$877,152$429,146$335,224$717,974
62$920,051$403,604$299,884$729,668
63$965,859$375,343$261,893$741,735
64$1,014,826$344,185$221,116$754,236
65$1,067,228$309,939$177,412$767,244
66$1,123,364$272,404$130,635$780,839
67$1,183,565$231,370$80,629$795,118
68$1,248,194$186,613$27,235$810,187
69$1,317,648$137,895$0$826,169
70$1,392,363$84,967$0$846,060
71$1,472,820$27,566$0$870,137
72$1,559,544$0$0$895,980
73$1,653,113$0$0$938,271
74$1,754,163$0$0$996,432
75$1,863,392$0$0$1,059,343
76$1,981,566$0$0$1,127,451
77$2,109,530$0$0$1,201,248
78$2,248,210$0$0$1,281,273
79$2,398,626$0$0$1,368,123
80$2,561,899$0$0$1,462,451
81$2,739,262$0$0$1,564,975
82$2,932,072$0$0$1,676,488
83$3,141,821$0$0$1,797,859
84$3,370,150$0$0$1,930,047
85$3,618,867$0$0$2,074,105
86$3,889,959$0$0$2,231,194
87$4,185,615$0$0$2,402,590
88$4,508,242$0$0$2,589,699
89$4,860,491$0$0$2,794,067
90$5,245,281$0$0$3,017,398
91$5,665,824$0$0$3,261,566
92$6,125,655$0$0$3,528,635
93$6,628,670$0$0$3,820,879
94$7,179,156$0$0$4,140,800
95$7,781,834$0$0$4,491,154
96$8,441,903$0$0$4,874,975
97$9,165,087$0$0$5,295,607
98$9,957,693$0$0$5,756,730
99$10,826,665$0$0$6,262,398
100$11,779,650$0$0$6,817,076