Can I retire at age 52 with 539,000?

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 $539,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$44,510$44,114$43,727$43,349$42,981$41,621
2 years$22,035$21,624$21,227$20,841$20,467$19,110
3 years$14,544$14,132$13,735$13,353$12,985$11,673
4 years$10,799$10,388$9,996$9,620$9,261$8,004
5 years$8,553$8,145$7,757$7,389$7,040$5,841
6 years$7,056$6,651$6,269$5,909$5,571$4,430
7 years$5,987$5,585$5,209$4,858$4,530$3,449
8 years$5,186$4,788$4,418$4,075$3,758$2,736
9 years$4,563$4,168$3,805$3,471$3,165$2,200
10 years$4,065$3,674$3,317$2,992$2,697$1,787
11 years$3,658$3,271$2,921$2,604$2,319$1,464
12 years$3,319$2,936$2,592$2,284$2,010$1,206
13 years$3,032$2,653$2,316$2,017$1,753$1,000
14 years$2,786$2,412$2,081$1,790$1,536$832
15 years$2,574$2,203$1,879$1,597$1,353$694
16 years$2,388$2,021$1,703$1,430$1,196$581
17 years$2,224$1,862$1,550$1,284$1,060$487
18 years$2,079$1,720$1,415$1,158$943$410
19 years$1,949$1,594$1,295$1,046$840$345
20 years$1,832$1,481$1,189$947$750$291
21 years$1,726$1,380$1,093$860$672$245
22 years$1,630$1,288$1,008$782$602$207
23 years$1,543$1,205$930$712$540$175
24 years$1,463$1,129$861$649$486$148
25 years$1,390$1,059$797$593$437$125
26 years$1,322$996$739$542$394$106
27 years$1,259$937$686$496$355$90
28 years$1,201$883$638$455$320$76
29 years$1,147$833$594$417$289$65
30 years$1,097$787$553$383$261$55
31 years$1,050$744$516$351$236$46
32 years$1,006$704$481$323$214$39
33 years$965$666$449$297$193$33
34 years$927$631$420$273$175$28
35 years$890$599$392$252$159$24
36 years$856$568$367$232$144$20
37 years$824$540$344$213$130$17
38 years$793$513$322$197$118$15
39 years$764$488$301$181$107$12
40 years$737$464$283$167$97$11
41 years$711$442$265$154$88$9
42 years$686$421$249$142$80$8
43 years$663$401$233$132$73$6
44 years$640$382$219$121$66$5
45 years$619$364$206$112$60$5
46 years$599$348$193$104$54$4
47 years$579$332$181$96$49$3
48 years$561$317$170$88$45$3
49 years$543$302$160$82$41$2
50 years$526$289$151$76$37$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $539,000, adding $5,920 every year, while hoping to spend $22,682 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: 48/31/21 Blend
51$539,000$539,000$539,000$539,000
52$600,084$571,517$563,163$625,064
53$637,160$575,388$557,895$646,943
54$677,256$578,689$551,691$667,934
55$720,659$581,367$544,495$690,257
56$767,679$583,367$536,249$714,047
57$818,661$584,631$526,892$739,454
58$873,983$585,096$516,362$766,644
59$934,060$584,697$504,590$795,801
60$999,349$583,362$491,509$827,128
61$1,070,353$581,017$477,045$860,852
62$1,147,625$577,583$461,122$897,223
63$1,231,774$572,976$443,661$936,518
64$1,323,470$567,106$424,578$979,045
65$1,423,449$559,879$403,787$1,025,143
66$1,532,523$551,196$381,196$1,075,191
67$1,651,585$540,949$356,711$1,129,605
68$1,781,618$529,027$330,232$1,188,846
69$1,923,704$515,309$301,655$1,253,427
70$2,079,033$499,672$270,872$1,323,913
71$2,248,919$481,979$237,771$1,400,930
72$2,434,804$462,092$202,231$1,485,170
73$2,638,279$439,859$164,131$1,577,398
74$2,861,095$415,124$123,341$1,678,463
75$3,105,180$387,718$79,726$1,789,300
76$3,372,657$357,466$33,146$1,910,945
77$3,665,866$324,180$0$2,044,542
78$3,987,382$287,662$0$2,195,068
79$4,340,042$247,704$0$2,368,376
80$4,726,971$204,086$0$2,558,613
81$5,151,610$156,574$0$2,767,524
82$5,617,751$104,923$0$2,997,033
83$6,129,569$48,872$0$3,249,264
84$6,691,665$0$0$3,526,563
85$7,309,107$0$0$3,835,557
86$7,987,476$0$0$4,193,421
87$8,732,925$0$0$4,586,737
88$9,552,226$0$0$5,019,087
89$10,452,846$0$0$5,494,418
90$11,443,006$0$0$6,017,080
91$12,531,769$0$0$6,591,863
92$13,729,115$0$0$7,224,048
93$15,046,041$0$0$7,919,449
94$16,494,666$0$0$8,684,476
95$18,088,340$0$0$9,526,188
96$19,841,771$0$0$10,452,366
97$21,771,168$0$0$11,471,581
98$23,894,388$0$0$12,593,277
99$26,231,106$0$0$13,827,862
100$28,803,004$0$0$15,186,802