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%17.3%
1 years$44,262$43,868$43,483$43,108$42,741$41,473
2 years$21,912$21,504$21,108$20,725$20,353$19,086
3 years$14,463$14,053$13,659$13,279$12,913$11,686
4 years$10,739$10,331$9,940$9,567$9,210$8,033
5 years$8,505$8,099$7,714$7,348$7,001$5,878
6 years$7,017$6,614$6,234$5,876$5,540$4,471
7 years$5,954$5,554$5,180$4,831$4,505$3,490
8 years$5,157$4,761$4,393$4,053$3,737$2,776
9 years$4,538$4,145$3,784$3,452$3,147$2,239
10 years$4,042$3,654$3,299$2,976$2,682$1,825
11 years$3,637$3,253$2,904$2,590$2,306$1,500
12 years$3,300$2,920$2,578$2,272$1,999$1,240
13 years$3,015$2,638$2,303$2,005$1,743$1,031
14 years$2,771$2,398$2,069$1,780$1,528$861
15 years$2,559$2,191$1,868$1,588$1,345$721
16 years$2,375$2,010$1,694$1,422$1,189$606
17 years$2,212$1,851$1,541$1,277$1,054$510
18 years$2,067$1,711$1,407$1,151$937$430
19 years$1,938$1,585$1,288$1,040$835$364
20 years$1,822$1,473$1,182$942$746$308
21 years$1,717$1,372$1,087$855$668$261
22 years$1,621$1,281$1,002$777$599$221
23 years$1,534$1,198$925$708$537$188
24 years$1,455$1,122$856$646$483$159
25 years$1,382$1,053$793$590$435$135
26 years$1,315$990$735$539$391$115
27 years$1,252$932$683$494$353$98
28 years$1,195$878$635$452$318$83
29 years$1,141$828$590$415$288$71
30 years$1,091$782$550$381$260$60
31 years$1,044$739$513$349$235$51
32 years$1,001$700$478$321$212$44
33 years$960$663$447$295$192$37
34 years$921$628$417$272$174$32
35 years$885$596$390$250$158$27
36 years$851$565$365$230$143$23
37 years$819$537$342$212$130$20
38 years$789$510$320$196$117$17
39 years$760$485$300$180$106$14
40 years$733$462$281$166$97$12
41 years$707$439$263$154$88$10
42 years$682$419$247$142$79$9
43 years$659$399$232$131$72$8
44 years$637$380$218$121$65$6
45 years$616$362$204$112$59$5
46 years$595$346$192$103$54$5
47 years$576$330$180$95$49$4
48 years$558$315$169$88$45$3
49 years$540$301$159$81$40$3
50 years$523$287$150$75$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $536,000, adding $2,600 every year, while hoping to spend $20,816 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: 71/12/17 Blend
51$536,000$536,000$536,000$536,000
52$593,354$564,946$556,638$632,941
53$631,728$570,480$553,137$665,132
54$673,318$575,588$548,822$697,617
55$718,432$580,226$543,642$732,649
56$767,404$584,350$537,546$770,476
57$820,606$587,910$530,480$811,373
58$878,444$590,854$522,388$855,643
59$941,368$593,128$513,211$903,617
60$1,009,869$594,673$502,885$955,665
61$1,084,491$595,427$491,346$1,012,191
62$1,165,830$595,324$478,527$1,073,642
63$1,254,543$594,293$464,357$1,140,511
64$1,351,353$592,261$448,760$1,213,341
65$1,457,057$589,147$431,659$1,292,732
66$1,572,531$584,869$412,973$1,379,344
67$1,698,738$579,337$392,617$1,473,907
68$1,836,742$572,457$370,503$1,577,222
69$1,987,711$564,129$346,536$1,690,178
70$2,152,934$554,247$320,621$1,813,750
71$2,333,827$542,699$292,655$1,949,017
72$2,531,951$529,366$262,534$2,097,165
73$2,749,027$514,122$230,145$2,259,506
74$2,986,948$496,833$195,375$2,437,483
75$3,247,798$477,359$158,101$2,632,690
76$3,533,874$455,551$118,198$2,846,882
77$3,847,706$431,250$75,535$3,081,995
78$4,192,081$404,290$29,975$3,340,166
79$4,570,067$374,494$0$3,623,747
80$4,985,045$341,676$0$3,938,717
81$5,440,739$305,637$0$4,290,577
82$5,941,252$266,170$0$4,677,067
83$6,491,101$223,054$0$5,101,696
84$7,095,266$176,057$0$5,568,328
85$7,759,232$124,932$0$6,081,225
86$8,489,039$69,420$0$6,645,081
87$9,291,346$9,246$0$7,265,069
88$10,173,485$0$0$7,946,890
89$11,143,537$0$0$8,704,208
90$12,210,403$0$0$9,538,482
91$13,383,891$0$0$10,456,164
92$14,674,809$0$0$11,465,711
93$16,095,061$0$0$12,576,436
94$17,657,767$0$0$13,798,603
95$19,377,380$0$0$15,143,522
96$21,269,828$0$0$16,623,652
97$23,352,658$0$0$18,252,724
98$25,645,206$0$0$20,045,865
99$28,168,776$0$0$22,019,744
100$30,946,846$0$0$24,192,729