Can I retire at age 52 with 540,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $540,000?

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$44,593$44,195$43,808$43,430$43,060$42,717
2 years$22,076$21,664$21,266$20,880$20,505$20,159
3 years$14,571$14,158$13,761$13,378$13,009$12,671
4 years$10,819$10,408$10,014$9,638$9,278$8,951
5 years$8,569$8,160$7,771$7,403$7,053$6,738
6 years$7,069$6,663$6,280$5,920$5,581$5,277
7 years$5,998$5,596$5,219$4,867$4,539$4,247
8 years$5,195$4,796$4,426$4,083$3,765$3,486
9 years$4,571$4,176$3,812$3,478$3,171$2,903
10 years$4,072$3,681$3,324$2,998$2,702$2,446
11 years$3,665$3,277$2,926$2,609$2,324$2,079
12 years$3,325$2,941$2,597$2,289$2,014$1,781
13 years$3,038$2,658$2,320$2,020$1,756$1,534
14 years$2,792$2,416$2,085$1,794$1,539$1,329
15 years$2,579$2,207$1,882$1,599$1,355$1,155
16 years$2,392$2,025$1,706$1,432$1,198$1,008
17 years$2,228$1,865$1,553$1,287$1,062$882
18 years$2,083$1,723$1,417$1,160$944$774
19 years$1,952$1,597$1,298$1,048$842$681
20 years$1,835$1,484$1,191$949$752$600
21 years$1,730$1,382$1,095$861$673$529
22 years$1,633$1,290$1,010$783$603$468
23 years$1,546$1,207$932$713$541$414
24 years$1,466$1,131$862$650$487$367
25 years$1,392$1,061$798$594$438$325
26 years$1,324$997$741$543$394$289
27 years$1,262$939$688$497$356$257
28 years$1,204$884$639$456$321$228
29 years$1,150$834$595$418$290$203
30 years$1,099$788$554$383$262$180
31 years$1,052$745$517$352$237$161
32 years$1,008$705$482$324$214$143
33 years$967$668$450$298$194$128
34 years$928$633$420$274$175$114
35 years$892$600$393$252$159$101
36 years$858$570$368$232$144$90
37 years$825$541$344$214$130$81
38 years$795$514$322$197$118$72
39 years$766$489$302$182$107$64
40 years$738$465$283$168$97$57
41 years$712$443$265$155$88$51
42 years$687$422$249$143$80$46
43 years$664$402$234$132$73$41
44 years$642$383$219$122$66$36
45 years$620$365$206$112$60$32
46 years$600$348$193$104$54$29
47 years$581$332$182$96$49$26
48 years$562$317$171$89$45$23
49 years$544$303$160$82$41$21
50 years$527$289$151$76$37$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $540,000, adding $5,064 every year, while hoping to spend $35,379 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: 60/23/17 Blend
51$540,000$540,000$540,000$540,000
52$600,304$571,684$563,314$633,414
53$623,891$562,053$544,542$646,739
54$648,700$550,765$523,955$656,895
55$674,815$537,701$501,456$667,153
56$702,333$522,734$476,941$677,528
57$731,356$505,734$450,304$688,038
58$761,997$486,557$421,432$698,703
59$794,379$465,057$390,208$709,549
60$828,635$441,074$356,509$720,604
61$864,913$414,444$320,209$731,903
62$903,371$384,988$281,173$743,485
63$944,184$352,522$239,262$755,397
64$987,543$316,848$194,329$767,691
65$1,033,657$277,758$146,224$780,429
66$1,082,755$235,033$94,787$793,681
67$1,135,085$188,439$39,852$807,527
68$1,190,923$137,732$0$822,059
69$1,250,569$82,652$0$840,787
70$1,314,350$22,925$0$868,359
71$1,382,628$0$0$897,708
72$1,455,799$0$0$939,584
73$1,534,295$0$0$990,761
74$1,618,593$0$0$1,045,752
75$1,709,215$0$0$1,104,901
76$1,806,734$0$0$1,168,586
77$1,911,781$0$0$1,237,223
78$2,025,047$0$0$1,311,269
79$2,147,290$0$0$1,391,224
80$2,279,347$0$0$1,477,640
81$2,422,134$0$0$1,571,123
82$2,576,660$0$0$1,672,338
83$2,744,033$0$0$1,782,017
84$2,925,471$0$0$1,900,965
85$3,122,314$0$0$2,030,067
86$3,336,037$0$0$2,170,297
87$3,568,259$0$0$2,322,725
88$3,820,765$0$0$2,488,528
89$4,095,515$0$0$2,669,003
90$4,394,668$0$0$2,865,576
91$4,720,599$0$0$3,079,817
92$5,075,922$0$0$3,313,451
93$5,463,514$0$0$3,568,379
94$5,886,540$0$0$3,846,695
95$6,348,485$0$0$4,150,701
96$6,853,187$0$0$4,482,932
97$7,404,869$0$0$4,846,179
98$8,008,181$0$0$5,243,517
99$8,668,243$0$0$5,678,328
100$9,390,693$0$0$6,154,339