Can I retire at age 52 with 538,000?

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 $538,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$44,428$44,032$43,646$43,269$42,901$42,453
2 years$21,994$21,584$21,187$20,802$20,429$19,978
3 years$14,517$14,106$13,710$13,328$12,961$12,521
4 years$10,779$10,369$9,977$9,602$9,244$8,818
5 years$8,537$8,129$7,743$7,375$7,027$6,616
6 years$7,043$6,638$6,257$5,898$5,560$5,166
7 years$5,976$5,575$5,200$4,849$4,522$4,144
8 years$5,176$4,779$4,410$4,068$3,751$3,389
9 years$4,555$4,161$3,798$3,465$3,159$2,813
10 years$4,057$3,667$3,311$2,987$2,692$2,361
11 years$3,651$3,265$2,915$2,599$2,315$2,000
12 years$3,312$2,930$2,587$2,280$2,006$1,706
13 years$3,026$2,648$2,311$2,013$1,749$1,464
14 years$2,781$2,407$2,077$1,787$1,534$1,263
15 years$2,569$2,199$1,875$1,594$1,350$1,094
16 years$2,384$2,018$1,700$1,427$1,193$950
17 years$2,220$1,858$1,547$1,282$1,058$828
18 years$2,075$1,717$1,412$1,155$941$724
19 years$1,945$1,591$1,293$1,044$839$634
20 years$1,828$1,479$1,186$946$749$556
21 years$1,723$1,377$1,091$858$670$488
22 years$1,627$1,286$1,006$780$601$430
23 years$1,540$1,202$929$711$539$379
24 years$1,460$1,127$859$648$485$334
25 years$1,387$1,057$796$592$436$295
26 years$1,319$994$738$541$393$260
27 years$1,257$935$685$495$354$230
28 years$1,199$881$637$454$320$204
29 years$1,145$831$593$416$289$180
30 years$1,095$785$552$382$261$160
31 years$1,048$742$515$351$236$141
32 years$1,005$702$480$322$213$125
33 years$963$665$448$296$193$111
34 years$925$630$419$273$175$99
35 years$889$598$392$251$158$87
36 years$854$567$366$231$143$78
37 years$822$539$343$213$130$69
38 years$792$512$321$196$118$61
39 years$763$487$301$181$107$54
40 years$736$463$282$167$97$48
41 years$710$441$264$154$88$43
42 years$685$420$248$142$80$38
43 years$662$400$233$131$72$34
44 years$639$382$218$121$66$30
45 years$618$364$205$112$60$27
46 years$598$347$193$103$54$24
47 years$578$331$181$96$49$21
48 years$560$316$170$88$45$19
49 years$542$302$160$82$41$17
50 years$525$288$150$75$37$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $538,000, adding $5,402 every year, while hoping to spend $20,385 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: 62/32/6 Blend
51$538,000$538,000$538,000$538,000
52$598,448$569,934$561,595$634,573
53$637,800$576,171$558,719$665,581
54$680,483$582,031$555,064$696,540
55$726,815$587,473$550,581$729,801
56$777,146$592,455$545,221$765,588
57$831,861$596,931$538,931$804,145
58$891,383$600,853$531,658$845,741
59$956,178$604,169$523,343$890,674
60$1,026,760$606,825$513,927$939,272
61$1,103,692$608,762$503,346$991,898
62$1,187,596$609,919$491,535$1,048,951
63$1,279,155$610,229$478,425$1,110,872
64$1,379,120$609,622$463,945$1,178,146
65$1,488,322$608,025$448,018$1,251,311
66$1,607,671$605,358$430,567$1,330,958
67$1,738,171$601,538$411,508$1,417,739
68$1,880,927$596,476$390,756$1,512,375
69$2,037,156$590,078$368,221$1,615,661
70$2,208,199$582,245$343,809$1,728,471
71$2,395,530$572,870$317,422$1,851,774
72$2,600,775$561,841$288,957$1,986,635
73$2,825,724$549,041$258,306$2,134,231
74$3,072,347$534,343$225,359$2,295,860
75$3,342,815$517,615$189,997$2,472,952
76$3,639,519$498,715$152,099$2,667,087
77$3,965,092$477,494$111,537$2,880,006
78$4,322,436$453,796$68,178$3,113,631
79$4,714,746$427,453$21,883$3,370,079
80$5,145,540$398,289$0$3,651,687
81$5,618,698$366,117$0$3,962,795
82$6,138,489$330,741$0$4,306,093
83$6,709,620$291,952$0$4,683,323
84$7,337,273$249,530$0$5,097,954
85$8,027,160$203,242$0$5,553,808
86$8,785,573$152,843$0$6,055,103
87$9,619,442$98,073$0$6,606,487
88$10,536,405$38,659$0$7,213,085
89$11,544,875$0$0$7,880,550
90$12,654,122$0$0$8,624,158
91$13,874,360$0$0$9,457,192
92$15,216,843$0$0$10,373,726
93$16,693,968$0$0$11,382,232
94$18,319,398$0$0$12,492,042
95$20,108,185$0$0$13,713,441
96$22,076,915$0$0$15,057,760
97$24,243,862$0$0$16,537,484
98$26,629,164$0$0$18,166,371
99$29,255,009$0$0$19,959,579
100$32,145,844$0$0$21,933,812