Can I retire at age 52 with 533,000?

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 $533,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$44,015$43,623$43,240$42,867$42,502$42,181
2 years$21,789$21,384$20,990$20,609$20,239$19,916
3 years$14,382$13,974$13,582$13,204$12,841$12,524
4 years$10,679$10,273$9,884$9,513$9,158$8,852
5 years$8,458$8,054$7,671$7,307$6,962$6,666
6 years$6,977$6,577$6,199$5,843$5,509$5,224
7 years$5,920$5,523$5,151$4,804$4,480$4,207
8 years$5,128$4,734$4,369$4,030$3,717$3,455
9 years$4,512$4,122$3,763$3,433$3,130$2,879
10 years$4,020$3,633$3,281$2,959$2,667$2,427
11 years$3,617$3,235$2,888$2,575$2,294$2,065
12 years$3,282$2,903$2,563$2,259$1,988$1,769
13 years$2,998$2,624$2,290$1,994$1,733$1,525
14 years$2,755$2,385$2,058$1,770$1,519$1,322
15 years$2,545$2,179$1,858$1,579$1,338$1,150
16 years$2,361$1,999$1,684$1,414$1,182$1,004
17 years$2,199$1,841$1,533$1,270$1,048$879
18 years$2,056$1,701$1,399$1,145$932$772
19 years$1,927$1,576$1,281$1,034$831$679
20 years$1,811$1,465$1,175$937$742$599
21 years$1,707$1,365$1,081$850$664$529
22 years$1,612$1,274$996$773$595$468
23 years$1,526$1,191$920$704$534$415
24 years$1,447$1,116$851$642$480$368
25 years$1,374$1,047$788$586$432$326
26 years$1,307$984$731$536$389$290
27 years$1,245$926$679$491$351$258
28 years$1,188$873$631$450$317$229
29 years$1,135$824$587$412$286$204
30 years$1,085$778$547$378$258$182
31 years$1,039$735$510$348$234$162
32 years$995$696$476$319$211$144
33 years$955$659$444$294$191$129
34 years$916$624$415$270$173$115
35 years$880$592$388$249$157$102
36 years$847$562$363$229$142$91
37 years$815$534$340$211$129$82
38 years$784$507$318$195$117$73
39 years$756$483$298$179$106$65
40 years$729$459$279$165$96$58
41 years$703$437$262$153$87$52
42 years$679$416$246$141$79$46
43 years$655$397$231$130$72$41
44 years$633$378$216$120$65$37
45 years$612$360$203$111$59$33
46 years$592$344$191$102$54$30
47 years$573$328$179$95$49$26
48 years$555$313$169$87$44$24
49 years$537$299$158$81$40$21
50 years$520$286$149$75$37$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $533,000, adding $2,329 every year, while hoping to spend $31,179 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: 34/46/20 Blend
51$533,000$533,000$533,000$533,000
52$589,768$561,519$553,258$606,135
53$616,751$555,860$538,618$612,761
54$645,440$548,878$522,442$616,865
55$675,978$540,475$504,647$620,643
56$708,518$530,550$485,144$624,086
57$743,231$518,991$463,840$627,184
58$780,302$505,683$440,640$629,932
59$819,934$490,502$415,442$632,326
60$862,349$473,319$388,142$634,364
61$907,793$453,995$358,628$636,049
62$956,532$432,385$326,787$637,387
63$1,008,861$408,335$292,497$638,389
64$1,065,103$381,682$255,634$639,072
65$1,125,612$352,252$216,066$639,458
66$1,190,777$319,865$173,656$639,576
67$1,261,024$284,327$128,262$639,465
68$1,336,824$245,434$79,734$639,170
69$1,418,691$202,971$27,916$638,750
70$1,507,192$156,711$0$638,273
71$1,602,950$106,414$0$643,665
72$1,706,649$51,826$0$655,917
73$1,819,041$0$0$669,219
74$1,940,954$0$0$687,448
75$2,073,298$0$0$735,782
76$2,217,074$0$0$788,359
77$2,373,382$0$0$845,591
78$2,543,434$0$0$907,930
79$2,728,563$0$0$975,875
80$2,930,233$0$0$1,049,974
81$3,150,060$0$0$1,130,829
82$3,389,820$0$0$1,219,105
83$3,651,465$0$0$1,315,532
84$3,937,149$0$0$1,420,915
85$4,249,240$0$0$1,536,140
86$4,590,345$0$0$1,662,182
87$4,963,334$0$0$1,800,115
88$5,371,369$0$0$1,951,122
89$5,817,929$0$0$2,116,505
90$6,306,847$0$0$2,297,696
91$6,842,342$0$0$2,496,277
92$7,429,062$0$0$2,713,986
93$8,072,124$0$0$2,952,738
94$8,777,166$0$0$3,214,644
95$9,550,395$0$0$3,502,027
96$10,398,650$0$0$3,817,447
97$11,329,460$0$0$4,163,724
98$12,351,124$0$0$4,543,963
99$13,472,777$0$0$4,961,585
100$14,704,488$0$0$5,420,361