Can I retire at age 52 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$44,262$43,868$43,483$43,108$42,741$42,401
2 years$21,912$21,504$21,108$20,725$20,353$20,010
3 years$14,463$14,053$13,659$13,279$12,913$12,578
4 years$10,739$10,331$9,940$9,567$9,210$8,885
5 years$8,505$8,099$7,714$7,348$7,001$6,688
6 years$7,017$6,614$6,234$5,876$5,540$5,238
7 years$5,954$5,554$5,180$4,831$4,505$4,216
8 years$5,157$4,761$4,393$4,053$3,737$3,460
9 years$4,538$4,145$3,784$3,452$3,147$2,882
10 years$4,042$3,654$3,299$2,976$2,682$2,428
11 years$3,637$3,253$2,904$2,590$2,306$2,064
12 years$3,300$2,920$2,578$2,272$1,999$1,768
13 years$3,015$2,638$2,303$2,005$1,743$1,523
14 years$2,771$2,398$2,069$1,780$1,528$1,319
15 years$2,559$2,191$1,868$1,588$1,345$1,147
16 years$2,375$2,010$1,694$1,422$1,189$1,000
17 years$2,212$1,851$1,541$1,277$1,054$876
18 years$2,067$1,711$1,407$1,151$937$768
19 years$1,938$1,585$1,288$1,040$835$676
20 years$1,822$1,473$1,182$942$746$595
21 years$1,717$1,372$1,087$855$668$525
22 years$1,621$1,281$1,002$777$599$464
23 years$1,534$1,198$925$708$537$411
24 years$1,455$1,122$856$646$483$364
25 years$1,382$1,053$793$590$435$323
26 years$1,315$990$735$539$391$287
27 years$1,252$932$683$494$353$255
28 years$1,195$878$635$452$318$226
29 years$1,141$828$590$415$288$201
30 years$1,091$782$550$381$260$179
31 years$1,044$739$513$349$235$159
32 years$1,001$700$478$321$212$142
33 years$960$663$447$295$192$127
34 years$921$628$417$272$174$113
35 years$885$596$390$250$158$101
36 years$851$565$365$230$143$90
37 years$819$537$342$212$130$80
38 years$789$510$320$196$117$71
39 years$760$485$300$180$106$64
40 years$733$462$281$166$97$57
41 years$707$439$263$154$88$51
42 years$682$419$247$142$79$45
43 years$659$399$232$131$72$40
44 years$637$380$218$121$65$36
45 years$616$362$204$112$59$32
46 years$595$346$192$103$54$29
47 years$576$330$180$95$49$26
48 years$558$315$169$88$45$23
49 years$540$301$159$81$40$21
50 years$523$287$150$75$37$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $536,000, adding $6,841 every year, while hoping to spend $25,448 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: 40/50/10 Blend
51$536,000$536,000$536,000$536,000
52$597,728$569,320$561,012$619,584
53$631,620$570,141$552,730$636,440
54$668,116$570,148$543,317$651,618
55$707,455$569,276$532,709$667,465
56$749,899$567,454$520,838$684,054
57$795,736$564,607$507,633$701,465
58$845,282$560,654$493,021$719,788
59$898,887$555,512$476,923$739,124
60$956,932$549,090$459,258$759,587
61$1,019,837$541,295$439,942$781,304
62$1,088,066$532,024$418,886$804,415
63$1,162,127$521,171$395,996$829,081
64$1,242,579$508,623$371,177$855,478
65$1,330,038$494,261$344,327$883,804
66$1,425,180$477,958$315,340$914,280
67$1,528,749$459,579$284,105$947,154
68$1,641,566$438,983$250,507$982,699
69$1,764,533$416,020$214,426$1,021,223
70$1,898,641$390,531$175,735$1,063,066
71$2,044,983$362,348$134,303$1,108,609
72$2,204,761$331,293$89,992$1,158,273
73$2,379,300$297,179$42,660$1,212,531
74$2,570,055$259,807$0$1,271,904
75$2,778,631$218,969$0$1,337,811
76$3,006,795$174,441$0$1,414,972
77$3,256,491$125,992$0$1,499,566
78$3,529,861$73,373$0$1,592,406
79$3,829,262$16,323$0$1,694,396
80$4,157,292$0$0$1,806,535
81$4,516,810$0$0$1,954,927
82$4,910,967$0$0$2,127,535
83$5,343,231$0$0$2,316,904
84$5,817,423$0$0$2,524,719
85$6,337,752$0$0$2,752,833
86$6,908,854$0$0$3,003,288
87$7,535,835$0$0$3,278,334
88$8,224,319$0$0$3,580,449
89$8,980,504$0$0$3,912,363
90$9,811,215$0$0$4,277,083
91$10,723,970$0$0$4,677,923
92$11,727,056$0$0$5,118,534
93$12,829,597$0$0$5,602,935
94$14,041,649$0$0$6,135,558
95$15,374,288$0$0$6,721,284
96$16,839,718$0$0$7,365,492
97$18,451,386$0$0$8,074,105
98$20,224,105$0$0$8,853,653
99$22,174,198$0$0$9,711,328
100$24,319,648$0$0$10,655,056