Can I retire at age 52 with 535,000?

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 $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%19.5%
1 years$44,180$43,786$43,402$43,028$42,662$41,034
2 years$21,871$21,464$21,069$20,686$20,315$18,694
3 years$14,436$14,027$13,633$13,254$12,889$11,326
4 years$10,719$10,311$9,921$9,549$9,192$7,699
5 years$8,490$8,084$7,699$7,334$6,988$5,569
6 years$7,004$6,601$6,222$5,865$5,529$4,185
7 years$5,943$5,544$5,171$4,822$4,497$3,226
8 years$5,147$4,752$4,385$4,045$3,731$2,533
9 years$4,529$4,137$3,777$3,446$3,142$2,016
10 years$4,035$3,647$3,293$2,970$2,677$1,620
11 years$3,631$3,247$2,899$2,585$2,302$1,312
12 years$3,294$2,914$2,573$2,267$1,995$1,070
13 years$3,009$2,633$2,299$2,002$1,740$876
14 years$2,766$2,394$2,065$1,777$1,525$720
15 years$2,555$2,187$1,865$1,585$1,343$594
16 years$2,370$2,006$1,691$1,419$1,187$491
17 years$2,208$1,848$1,538$1,275$1,052$407
18 years$2,063$1,707$1,404$1,149$936$338
19 years$1,934$1,582$1,286$1,038$834$281
20 years$1,818$1,470$1,180$940$745$234
21 years$1,714$1,370$1,085$853$667$194
22 years$1,618$1,279$1,000$776$597$162
23 years$1,532$1,196$924$707$536$135
24 years$1,452$1,120$854$644$482$113
25 years$1,379$1,051$791$589$434$94
26 years$1,312$988$734$538$391$79
27 years$1,250$930$681$493$352$66
28 years$1,192$876$633$451$318$55
29 years$1,139$827$589$414$287$46
30 years$1,089$781$549$380$259$38
31 years$1,042$738$512$349$234$32
32 years$999$698$478$321$212$27
33 years$958$661$446$295$192$22
34 years$920$627$417$271$174$19
35 years$884$595$389$250$157$16
36 years$850$564$364$230$143$13
37 years$818$536$341$212$129$11
38 years$787$509$319$195$117$9
39 years$759$484$299$180$106$8
40 years$731$461$280$166$96$6
41 years$706$439$263$153$87$5
42 years$681$418$247$141$79$5
43 years$658$398$231$131$72$4
44 years$636$379$217$121$65$3
45 years$615$362$204$111$59$3
46 years$594$345$192$103$54$2
47 years$575$329$180$95$49$2
48 years$557$314$169$88$44$2
49 years$539$300$159$81$40$1
50 years$522$287$149$75$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $535,000, adding $4,992 every year, while hoping to spend $24,639 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: 61/16/23 Blend
51$535,000$535,000$535,000$535,000
52$594,719$566,364$558,072$627,097
53$629,165$567,900$550,551$651,161
54$666,298$568,686$541,953$674,275
55$706,367$568,658$532,216$698,957
56$749,645$567,751$521,273$725,364
57$796,430$565,892$509,057$753,669
58$847,053$563,008$495,497$784,064
59$901,875$559,018$480,519$816,761
60$961,294$553,837$464,044$851,996
61$1,025,748$547,377$445,992$890,027
62$1,095,718$539,542$426,276$931,143
63$1,171,733$530,232$404,808$975,661
64$1,254,376$519,339$381,495$1,023,933
65$1,344,286$506,751$356,239$1,076,347
66$1,442,169$492,347$328,939$1,133,332
67$1,548,801$476,003$299,489$1,195,364
68$1,665,034$457,582$267,777$1,262,968
69$1,791,808$436,944$233,688$1,336,723
70$1,930,156$413,939$197,101$1,417,271
71$2,081,217$388,407$157,889$1,505,320
72$2,246,243$360,180$115,920$1,601,652
73$2,426,613$329,082$71,057$1,707,132
74$2,623,845$294,925$23,155$1,822,716
75$2,839,611$257,510$0$1,949,457
76$3,075,752$216,628$0$2,095,384
77$3,334,293$172,058$0$2,261,430
78$3,617,468$123,565$0$2,443,369
79$3,927,733$70,903$0$2,642,810
80$4,267,795$13,811$0$2,861,528
81$4,640,636$0$0$3,101,482
82$5,049,539$0$0$3,373,278
83$5,498,120$0$0$3,674,158
84$5,990,362$0$0$4,004,367
85$6,530,654$0$0$4,366,853
86$7,123,827$0$0$4,764,866
87$7,775,205$0$0$5,201,983
88$8,490,654$0$0$5,682,145
89$9,276,634$0$0$6,209,695
90$10,140,262$0$0$6,789,416
91$11,089,378$0$0$7,426,578
92$12,132,620$0$0$8,126,986
93$13,279,505$0$0$8,897,038
94$14,540,517$0$0$9,743,780
95$15,927,207$0$0$10,674,975
96$17,452,301$0$0$11,699,178
97$19,129,822$0$0$12,825,814
98$20,975,217$0$0$14,065,266
99$23,005,508$0$0$15,428,976
100$25,239,450$0$0$16,929,549