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%17.1%
1 years$44,180$43,786$43,402$43,028$42,662$41,429
2 years$21,871$21,464$21,069$20,686$20,315$19,083
3 years$14,436$14,027$13,633$13,254$12,889$11,696
4 years$10,719$10,311$9,921$9,549$9,192$8,048
5 years$8,490$8,084$7,699$7,334$6,988$5,895
6 years$7,004$6,601$6,222$5,865$5,529$4,488
7 years$5,943$5,544$5,171$4,822$4,497$3,508
8 years$5,147$4,752$4,385$4,045$3,731$2,794
9 years$4,529$4,137$3,777$3,446$3,142$2,256
10 years$4,035$3,647$3,293$2,970$2,677$1,841
11 years$3,631$3,247$2,899$2,585$2,302$1,515
12 years$3,294$2,914$2,573$2,267$1,995$1,254
13 years$3,009$2,633$2,299$2,002$1,740$1,044
14 years$2,766$2,394$2,065$1,777$1,525$873
15 years$2,555$2,187$1,865$1,585$1,343$732
16 years$2,370$2,006$1,691$1,419$1,187$616
17 years$2,208$1,848$1,538$1,275$1,052$519
18 years$2,063$1,707$1,404$1,149$936$439
19 years$1,934$1,582$1,286$1,038$834$371
20 years$1,818$1,470$1,180$940$745$315
21 years$1,714$1,370$1,085$853$667$267
22 years$1,618$1,279$1,000$776$597$227
23 years$1,532$1,196$924$707$536$193
24 years$1,452$1,120$854$644$482$164
25 years$1,379$1,051$791$589$434$140
26 years$1,312$988$734$538$391$119
27 years$1,250$930$681$493$352$101
28 years$1,192$876$633$451$318$86
29 years$1,139$827$589$414$287$74
30 years$1,089$781$549$380$259$63
31 years$1,042$738$512$349$234$53
32 years$999$698$478$321$212$46
33 years$958$661$446$295$192$39
34 years$920$627$417$271$174$33
35 years$884$595$389$250$157$28
36 years$850$564$364$230$143$24
37 years$818$536$341$212$129$21
38 years$787$509$319$195$117$18
39 years$759$484$299$180$106$15
40 years$731$461$280$166$96$13
41 years$706$439$263$153$87$11
42 years$681$418$247$141$79$9
43 years$658$398$231$131$72$8
44 years$636$379$217$121$65$7
45 years$615$362$204$111$59$6
46 years$594$345$192$103$54$5
47 years$575$329$180$95$49$4
48 years$557$314$169$88$44$4
49 years$539$300$159$81$40$3
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 $4,387 every year, while hoping to spend $40,810 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: 60/26/14 Blend
51$535,000$535,000$535,000$535,000
52$594,095$565,740$557,448$627,417
53$611,271$550,040$532,701$634,681
54$628,832$532,203$505,757$637,636
55$646,772$512,080$476,500$639,888
56$665,088$489,517$444,807$641,373
57$683,770$464,347$410,551$642,022
58$702,810$436,394$373,600$641,763
59$722,194$405,476$333,813$640,516
60$741,908$371,394$291,046$638,197
61$761,933$333,943$245,147$634,716
62$782,248$292,904$195,957$629,976
63$802,827$248,046$143,311$623,873
64$823,640$199,125$87,037$616,296
65$844,652$145,883$26,953$607,126
66$865,823$88,047$0$596,234
67$887,106$25,331$0$589,035
68$908,449$0$0$584,488
69$929,790$0$0$590,614
70$951,062$0$0$603,918
71$972,186$0$0$617,100
72$993,075$0$0$630,102
73$1,013,628$0$0$642,856
74$1,033,735$0$0$655,289
75$1,053,269$0$0$667,316
76$1,072,089$0$0$678,843
77$1,090,038$0$0$689,765
78$1,106,938$0$0$699,964
79$1,122,593$0$0$709,309
80$1,136,780$0$0$717,652
81$1,149,255$0$0$724,829
82$1,159,742$0$0$730,659
83$1,167,937$0$0$734,939
84$1,173,500$0$0$737,442
85$1,176,053$0$0$737,918
86$1,175,176$0$0$736,088
87$1,170,404$0$0$731,643
88$1,161,218$0$0$724,239
89$1,147,046$0$0$713,496
90$1,127,251$0$0$698,993
91$1,101,128$0$0$680,260
92$1,067,895$0$0$656,781
93$1,026,688$0$0$627,981
94$976,549$0$0$593,227
95$916,417$0$0$551,815
96$845,120$0$0$502,969
97$761,360$0$0$445,828
98$663,704$0$0$379,444
99$550,563$0$0$302,765
100$420,186$0$0$214,629