Can I retire at age 52 with 535,000?

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 $535,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$44,180$43,786$43,402$43,028$42,662$41,529
2 years$21,871$21,464$21,069$20,686$20,315$19,182
3 years$14,436$14,027$13,633$13,254$12,889$11,791
4 years$10,719$10,311$9,921$9,549$9,192$8,138
5 years$8,490$8,084$7,699$7,334$6,988$5,979
6 years$7,004$6,601$6,222$5,865$5,529$4,568
7 years$5,943$5,544$5,171$4,822$4,497$3,583
8 years$5,147$4,752$4,385$4,045$3,731$2,863
9 years$4,529$4,137$3,777$3,446$3,142$2,320
10 years$4,035$3,647$3,293$2,970$2,677$1,901
11 years$3,631$3,247$2,899$2,585$2,302$1,570
12 years$3,294$2,914$2,573$2,267$1,995$1,305
13 years$3,009$2,633$2,299$2,002$1,740$1,091
14 years$2,766$2,394$2,065$1,777$1,525$916
15 years$2,555$2,187$1,865$1,585$1,343$771
16 years$2,370$2,006$1,691$1,419$1,187$652
17 years$2,208$1,848$1,538$1,275$1,052$552
18 years$2,063$1,707$1,404$1,149$936$468
19 years$1,934$1,582$1,286$1,038$834$398
20 years$1,818$1,470$1,180$940$745$339
21 years$1,714$1,370$1,085$853$667$289
22 years$1,618$1,279$1,000$776$597$247
23 years$1,532$1,196$924$707$536$211
24 years$1,452$1,120$854$644$482$180
25 years$1,379$1,051$791$589$434$154
26 years$1,312$988$734$538$391$132
27 years$1,250$930$681$493$352$113
28 years$1,192$876$633$451$318$97
29 years$1,139$827$589$414$287$83
30 years$1,089$781$549$380$259$71
31 years$1,042$738$512$349$234$61
32 years$999$698$478$321$212$52
33 years$958$661$446$295$192$45
34 years$920$627$417$271$174$38
35 years$884$595$389$250$157$33
36 years$850$564$364$230$143$28
37 years$818$536$341$212$129$24
38 years$787$509$319$195$117$21
39 years$759$484$299$180$106$18
40 years$731$461$280$166$96$15
41 years$706$439$263$153$87$13
42 years$681$418$247$141$79$11
43 years$658$398$231$131$72$10
44 years$636$379$217$121$65$8
45 years$615$362$204$111$59$7
46 years$594$345$192$103$54$6
47 years$575$329$180$95$49$5
48 years$557$314$169$88$44$4
49 years$539$300$159$81$40$4
50 years$522$287$149$75$37$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $535,000, adding $3,784 every year, while hoping to spend $42,080 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: 32/49/19 Blend
51$535,000$535,000$535,000$535,000
52$593,473$565,118$556,826$608,854
53$609,235$548,036$530,707$603,570
54$625,193$528,707$502,302$593,774
55$641,325$506,976$471,491$582,334
56$657,602$482,679$438,148$569,132
57$673,991$455,644$402,139$554,042
58$690,455$425,687$363,328$536,929
59$706,952$392,616$321,570$517,651
60$723,432$356,226$276,714$496,057
61$739,841$316,300$228,602$471,984
62$756,116$272,610$177,072$445,262
63$772,187$224,915$121,951$415,707
64$787,974$172,960$63,060$383,125
65$803,388$116,475$213$347,311
66$818,327$55,176$0$308,044
67$832,680$0$0$278,643
68$846,319$0$0$252,293
69$859,104$0$0$255,348
70$870,877$0$0$258,000
71$881,460$0$0$260,185
72$890,659$0$0$261,833
73$898,253$0$0$262,866
74$904,000$0$0$263,194
75$907,628$0$0$262,722
76$908,835$0$0$261,342
77$907,287$0$0$258,933
78$902,613$0$0$255,363
79$894,400$0$0$250,484
80$882,190$0$0$244,133
81$865,476$0$0$236,130
82$843,696$0$0$226,274
83$816,228$0$0$214,343
84$782,383$0$0$200,093
85$741,396$0$0$183,252
86$692,424$0$0$163,519
87$634,532$0$0$140,563
88$566,687$0$0$114,017
89$487,745$0$0$83,476
90$396,445$0$0$48,492
91$291,388$0$0$8,568
92$171,032$0$0$0
93$33,673$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0