Can I retire at age 52 with 541,000?

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 $541,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$44,675$44,277$43,889$43,510$43,140$42,200
2 years$22,116$21,705$21,305$20,918$20,543$19,601
3 years$14,598$14,184$13,786$13,403$13,033$12,118
4 years$10,839$10,427$10,033$9,656$9,295$8,414
5 years$8,585$8,175$7,786$7,417$7,066$6,222
6 years$7,082$6,675$6,292$5,931$5,591$4,784
7 years$6,009$5,606$5,229$4,876$4,547$3,778
8 years$5,205$4,805$4,434$4,091$3,772$3,041
9 years$4,580$4,184$3,819$3,484$3,177$2,482
10 years$4,080$3,688$3,330$3,003$2,707$2,048
11 years$3,671$3,283$2,931$2,614$2,328$1,705
12 years$3,331$2,947$2,602$2,293$2,017$1,428
13 years$3,043$2,663$2,324$2,024$1,759$1,204
14 years$2,797$2,421$2,088$1,797$1,542$1,019
15 years$2,583$2,211$1,886$1,602$1,358$865
16 years$2,397$2,029$1,710$1,435$1,200$737
17 years$2,232$1,868$1,556$1,289$1,064$630
18 years$2,086$1,727$1,420$1,162$946$539
19 years$1,956$1,600$1,300$1,050$843$463
20 years$1,839$1,487$1,193$951$753$398
21 years$1,733$1,385$1,097$863$674$342
22 years$1,637$1,293$1,011$785$604$295
23 years$1,549$1,209$934$715$542$254
24 years$1,469$1,133$864$652$487$219
25 years$1,395$1,063$800$595$439$189
26 years$1,327$999$742$544$395$163
27 years$1,264$940$689$498$356$141
28 years$1,206$886$640$456$321$122
29 years$1,152$836$596$419$290$106
30 years$1,101$789$555$384$262$91
31 years$1,054$746$518$353$237$79
32 years$1,010$706$483$324$214$69
33 years$969$669$451$298$194$59
34 years$930$634$421$274$176$51
35 years$894$601$394$253$159$45
36 years$859$571$368$233$144$39
37 years$827$542$345$214$131$33
38 years$796$515$323$197$119$29
39 years$767$490$303$182$107$25
40 years$740$466$284$168$97$22
41 years$714$444$266$155$88$19
42 years$689$422$249$143$80$16
43 years$665$402$234$132$73$14
44 years$643$384$220$122$66$12
45 years$621$366$206$113$60$11
46 years$601$349$194$104$54$9
47 years$582$333$182$96$49$8
48 years$563$318$171$89$45$7
49 years$545$304$161$82$41$6
50 years$528$290$151$76$37$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $541,000, adding $3,048 every year, while hoping to spend $22,748 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: 73/13/14 Blend
51$541,000$541,000$541,000$541,000
52$599,326$570,653$562,268$641,039
53$636,254$574,411$556,900$672,821
54$676,185$577,591$550,590$704,530
55$719,404$580,141$543,282$738,655
56$766,219$582,004$534,918$775,430
57$816,973$583,122$525,437$815,111
58$872,041$583,431$514,776$857,984
59$931,835$582,865$502,867$904,362
60$996,810$581,353$489,641$954,591
61$1,067,465$578,820$475,024$1,009,050
62$1,144,349$575,186$458,941$1,068,162
63$1,228,068$570,365$441,311$1,132,388
64$1,319,287$564,269$422,051$1,202,241
65$1,418,738$556,801$401,073$1,278,283
66$1,527,226$547,862$378,286$1,361,136
67$1,645,640$537,343$353,595$1,451,486
68$1,774,954$525,132$326,899$1,550,087
69$1,916,245$511,109$298,096$1,657,774
70$2,070,695$495,146$267,075$1,775,464
71$2,239,607$477,110$233,723$1,904,172
72$2,424,415$456,857$197,921$2,045,015
73$2,626,700$434,237$159,546$2,199,226
74$2,848,200$409,092$118,468$2,368,162
75$3,090,831$381,252$74,551$2,553,323
76$3,356,702$350,539$27,654$2,756,361
77$3,648,136$316,765$0$2,979,097
78$3,967,691$279,732$0$3,226,886
79$4,318,185$239,229$0$3,503,223
80$4,702,722$195,033$0$3,806,440
81$5,124,720$146,910$0$4,139,254
82$5,587,946$94,613$0$4,504,661
83$6,096,546$37,878$0$4,905,961
84$6,655,090$0$0$5,346,794
85$7,268,611$0$0$5,834,539
86$7,942,655$0$0$6,376,378
87$8,683,330$0$0$6,971,806
88$9,497,365$0$0$7,626,237
89$10,392,174$0$0$8,345,634
90$11,375,926$0$0$9,136,567
91$12,457,617$0$0$10,006,275
92$13,647,164$0$0$10,962,734
93$14,955,490$0$0$12,014,729
94$16,394,628$0$0$13,171,943
95$17,977,839$0$0$14,445,041
96$19,719,733$0$0$15,845,777
97$21,636,407$0$0$17,387,098
98$23,745,597$0$0$19,083,274
99$26,066,847$0$0$20,950,025
100$28,621,688$0$0$23,004,672