Can I retire at age 52 with 537,000?

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 $537,000?

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$44,345$43,950$43,565$43,188$42,821$41,550
2 years$21,953$21,544$21,148$20,764$20,391$19,121
3 years$14,490$14,079$13,684$13,303$12,937$11,708
4 years$10,759$10,350$9,958$9,584$9,227$8,048
5 years$8,521$8,114$7,728$7,362$7,014$5,889
6 years$7,030$6,626$6,246$5,887$5,550$4,479
7 years$5,965$5,564$5,190$4,840$4,514$3,497
8 years$5,167$4,770$4,402$4,060$3,744$2,782
9 years$4,546$4,153$3,791$3,459$3,153$2,243
10 years$4,050$3,661$3,305$2,981$2,687$1,828
11 years$3,644$3,259$2,910$2,595$2,311$1,502
12 years$3,306$2,925$2,582$2,276$2,002$1,242
13 years$3,021$2,643$2,307$2,009$1,746$1,033
14 years$2,776$2,403$2,073$1,784$1,531$862
15 years$2,564$2,195$1,872$1,591$1,348$722
16 years$2,379$2,014$1,697$1,424$1,191$607
17 years$2,216$1,855$1,544$1,280$1,056$511
18 years$2,071$1,714$1,410$1,153$939$431
19 years$1,942$1,588$1,290$1,042$837$364
20 years$1,825$1,476$1,184$944$748$308
21 years$1,720$1,375$1,089$857$669$261
22 years$1,624$1,283$1,004$779$600$221
23 years$1,537$1,200$927$709$538$188
24 years$1,458$1,125$857$647$484$160
25 years$1,384$1,055$794$591$435$136
26 years$1,317$992$736$540$392$115
27 years$1,255$933$684$494$354$98
28 years$1,197$880$636$453$319$83
29 years$1,143$830$592$415$288$71
30 years$1,093$784$551$381$260$60
31 years$1,046$741$514$350$235$51
32 years$1,003$701$479$322$213$44
33 years$962$664$448$296$193$37
34 years$923$629$418$272$174$32
35 years$887$597$391$251$158$27
36 years$853$566$366$231$143$23
37 years$821$538$342$213$130$20
38 years$790$511$321$196$118$17
39 years$761$486$300$181$107$14
40 years$734$463$281$167$97$12
41 years$708$440$264$154$88$10
42 years$684$419$248$142$80$9
43 years$660$400$232$131$72$8
44 years$638$381$218$121$66$6
45 years$617$363$205$112$60$5
46 years$597$346$192$103$54$5
47 years$577$331$181$95$49$4
48 years$559$316$170$88$45$3
49 years$541$301$160$81$41$3
50 years$524$288$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 $537,000, adding $3,251 every year, while hoping to spend $28,187 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: 32/41/27 Blend
51$537,000$537,000$537,000$537,000
52$595,127$566,666$558,343$609,179
53$625,840$564,442$547,057$617,963
54$658,740$561,165$534,448$624,695
55$694,021$556,752$520,442$631,391
56$731,896$551,117$504,961$638,066
57$772,598$544,170$487,926$644,742
58$816,382$535,813$469,250$651,442
59$863,528$525,943$448,845$658,197
60$914,345$514,452$426,619$665,043
61$969,172$501,224$402,474$672,023
62$1,028,381$486,137$376,310$679,188
63$1,092,380$469,062$348,021$686,595
64$1,161,618$449,862$317,495$694,316
65$1,236,591$428,392$284,618$702,428
66$1,317,839$404,500$249,270$711,024
67$1,405,961$378,023$211,323$720,211
68$1,501,614$348,790$170,646$730,108
69$1,605,518$316,621$127,103$740,856
70$1,718,469$281,324$80,549$752,611
71$1,841,341$242,696$30,835$765,554
72$1,975,094$200,525$0$779,887
73$2,120,788$154,584$0$802,243
74$2,279,585$104,636$0$836,378
75$2,452,768$50,428$0$873,741
76$2,641,746$0$0$914,716
77$2,848,072$0$0$963,475
78$3,073,455$0$0$1,041,667
79$3,319,776$0$0$1,127,201
80$3,589,105$0$0$1,220,808
81$3,883,723$0$0$1,323,289
82$4,206,142$0$0$1,435,529
83$4,559,124$0$0$1,558,502
84$4,945,716$0$0$1,693,279
85$5,369,269$0$0$1,841,041
86$5,833,475$0$0$2,003,089
87$6,342,402$0$0$2,180,855
88$6,900,527$0$0$2,375,917
89$7,512,784$0$0$2,590,012
90$8,184,607$0$0$2,825,056
91$8,921,978$0$0$3,083,156
92$9,731,492$0$0$3,366,635
93$10,620,409$0$0$3,678,053
94$11,596,730$0$0$4,020,229
95$12,669,266$0$0$4,396,267
96$13,847,726$0$0$4,809,589
97$15,142,803$0$0$5,263,964
98$16,566,280$0$0$5,763,545
99$18,131,138$0$0$6,312,908
100$19,851,677$0$0$6,917,091