Can I retire at age 52 with 534,000?

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 $534,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$44,097$43,704$43,321$42,947$42,582$41,120
2 years$21,830$21,424$21,030$20,648$20,277$18,819
3 years$14,409$14,001$13,608$13,229$12,865$11,457
4 years$10,699$10,292$9,903$9,531$9,175$7,828
5 years$8,474$8,069$7,685$7,321$6,975$5,691
6 years$6,991$6,589$6,211$5,854$5,519$4,300
7 years$5,932$5,533$5,161$4,813$4,488$3,335
8 years$5,138$4,743$4,377$4,038$3,724$2,634
9 years$4,521$4,130$3,770$3,439$3,136$2,109
10 years$4,027$3,640$3,287$2,965$2,672$1,706
11 years$3,624$3,241$2,894$2,580$2,298$1,391
12 years$3,288$2,909$2,568$2,263$1,991$1,141
13 years$3,004$2,629$2,294$1,998$1,736$941
14 years$2,761$2,389$2,061$1,774$1,522$779
15 years$2,550$2,183$1,861$1,582$1,340$647
16 years$2,366$2,003$1,687$1,416$1,184$539
17 years$2,204$1,844$1,536$1,272$1,050$450
18 years$2,059$1,704$1,402$1,147$934$376
19 years$1,931$1,579$1,283$1,036$832$315
20 years$1,815$1,468$1,178$938$743$264
21 years$1,710$1,367$1,083$852$665$222
22 years$1,615$1,276$998$774$596$186
23 years$1,529$1,194$922$705$535$157
24 years$1,450$1,118$853$643$481$132
25 years$1,377$1,049$790$587$433$111
26 years$1,310$986$732$537$390$93
27 years$1,248$928$680$492$352$79
28 years$1,190$875$632$450$317$66
29 years$1,137$825$588$413$286$56
30 years$1,087$779$548$379$259$47
31 years$1,041$737$511$348$234$40
32 years$997$697$477$320$212$33
33 years$956$660$445$294$192$28
34 years$918$626$416$271$173$24
35 years$882$593$389$249$157$20
36 years$848$563$364$230$142$17
37 years$816$535$340$211$129$14
38 years$786$508$319$195$117$12
39 years$757$483$299$180$106$10
40 years$730$460$280$166$96$9
41 years$704$438$262$153$87$7
42 years$680$417$246$141$79$6
43 years$657$397$231$130$72$5
44 years$634$379$217$120$65$4
45 years$613$361$204$111$59$4
46 years$593$344$191$103$54$3
47 years$574$329$180$95$49$3
48 years$556$314$169$88$44$2
49 years$538$300$159$81$40$2
50 years$521$286$149$75$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $534,000, adding $3,941 every year, while hoping to spend $23,763 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: 30/44/26 Blend
51$534,000$534,000$534,000$534,000
52$592,533$564,231$555,954$605,461
53$627,688$566,595$549,295$618,171
54$665,632$568,278$541,616$629,477
55$706,625$569,222$532,859$641,162
56$750,952$569,365$522,961$653,274
57$798,925$568,641$511,857$665,870
58$850,891$566,979$499,479$679,012
59$907,227$564,306$485,757$692,772
60$968,350$560,543$470,616$707,232
61$1,034,719$555,606$453,978$722,484
62$1,106,835$549,407$435,762$738,632
63$1,185,255$541,850$415,882$755,792
64$1,270,588$532,838$394,251$774,097
65$1,363,505$522,263$370,775$793,695
66$1,464,743$510,015$345,357$814,751
67$1,575,116$495,975$317,896$837,453
68$1,695,518$480,018$288,285$862,011
69$1,826,932$462,010$256,414$888,658
70$1,970,442$441,812$222,167$917,657
71$2,127,241$419,274$185,423$949,301
72$2,298,642$394,241$146,057$983,918
73$2,486,089$366,545$103,936$1,021,874
74$2,691,176$336,011$58,923$1,063,577
75$2,915,654$302,453$10,875$1,109,482
76$3,161,452$265,675$0$1,160,097
77$3,430,697$225,470$0$1,227,195
78$3,725,729$181,618$0$1,304,143
79$4,049,124$133,889$0$1,388,668
80$4,403,722$82,036$0$1,481,595
81$4,792,648$25,803$0$1,583,836
82$5,219,348$0$0$1,696,406
83$5,687,612$0$0$1,837,410
84$6,201,621$0$0$2,005,990
85$6,765,975$0$0$2,191,171
86$7,385,745$0$0$2,394,628
87$8,066,514$0$0$2,618,207
88$8,814,437$0$0$2,863,940
89$9,636,289$0$0$3,134,066
90$10,539,537$0$0$3,431,051
91$11,532,408$0$0$3,757,615
92$12,623,964$0$0$4,116,751
93$13,824,189$0$0$4,511,758
94$15,144,082$0$0$4,946,272
95$16,595,765$0$0$5,424,296
96$18,192,589$0$0$5,950,245
97$19,949,267$0$0$6,528,980
98$21,882,009$0$0$7,165,858
99$24,008,675$0$0$7,866,781
100$26,348,944$0$0$8,638,253