Can I retire at age 52 with 541,000?

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 $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%18.7%
1 years$44,675$44,277$43,889$43,510$43,140$41,626
2 years$22,116$21,705$21,305$20,918$20,543$19,033
3 years$14,598$14,184$13,786$13,403$13,033$11,576
4 years$10,839$10,427$10,033$9,656$9,295$7,901
5 years$8,585$8,175$7,786$7,417$7,066$5,739
6 years$7,082$6,675$6,292$5,931$5,591$4,332
7 years$6,009$5,606$5,229$4,876$4,547$3,355
8 years$5,205$4,805$4,434$4,091$3,772$2,647
9 years$4,580$4,184$3,819$3,484$3,177$2,116
10 years$4,080$3,688$3,330$3,003$2,707$1,710
11 years$3,671$3,283$2,931$2,614$2,328$1,392
12 years$3,331$2,947$2,602$2,293$2,017$1,141
13 years$3,043$2,663$2,324$2,024$1,759$939
14 years$2,797$2,421$2,088$1,797$1,542$777
15 years$2,583$2,211$1,886$1,602$1,358$644
16 years$2,397$2,029$1,710$1,435$1,200$536
17 years$2,232$1,868$1,556$1,289$1,064$446
18 years$2,086$1,727$1,420$1,162$946$373
19 years$1,956$1,600$1,300$1,050$843$312
20 years$1,839$1,487$1,193$951$753$261
21 years$1,733$1,385$1,097$863$674$219
22 years$1,637$1,293$1,011$785$604$183
23 years$1,549$1,209$934$715$542$154
24 years$1,469$1,133$864$652$487$129
25 years$1,395$1,063$800$595$439$109
26 years$1,327$999$742$544$395$91
27 years$1,264$940$689$498$356$77
28 years$1,206$886$640$456$321$65
29 years$1,152$836$596$419$290$54
30 years$1,101$789$555$384$262$46
31 years$1,054$746$518$353$237$38
32 years$1,010$706$483$324$214$32
33 years$969$669$451$298$194$27
34 years$930$634$421$274$176$23
35 years$894$601$394$253$159$19
36 years$859$571$368$233$144$16
37 years$827$542$345$214$131$14
38 years$796$515$323$197$119$12
39 years$767$490$303$182$107$10
40 years$740$466$284$168$97$8
41 years$714$444$266$155$88$7
42 years$689$422$249$143$80$6
43 years$665$402$234$132$73$5
44 years$643$384$220$122$66$4
45 years$621$366$206$113$60$3
46 years$601$349$194$104$54$3
47 years$582$333$182$96$49$2
48 years$563$318$171$89$45$2
49 years$545$304$161$82$41$2
50 years$528$290$151$76$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $541,000, adding $5,974 every year, while hoping to spend $36,072 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: 31/43/26 Blend
51$541,000$541,000$541,000$541,000
52$602,344$573,671$565,286$616,058
53$625,403$563,401$545,842$616,813
54$649,605$551,418$524,539$614,026
55$675,028$537,601$501,275$610,304
56$701,758$521,821$475,944$605,590
57$729,888$503,941$448,439$599,825
58$759,518$483,815$418,644$592,947
59$790,759$461,292$386,438$584,893
60$823,730$436,209$351,697$575,596
61$858,562$408,395$314,291$564,990
62$895,398$377,669$274,082$553,005
63$934,392$343,839$230,928$539,568
64$975,716$306,702$184,679$524,608
65$1,019,554$266,045$135,181$508,048
66$1,066,109$221,642$82,270$489,814
67$1,115,604$173,254$25,777$469,827
68$1,168,280$120,629$0$448,009
69$1,224,405$63,499$0$433,855
70$1,284,268$1,585$0$425,966
71$1,348,189$0$0$417,158
72$1,416,518$0$0$438,360
73$1,489,636$0$0$461,903
74$1,567,965$0$0$487,182
75$1,651,964$0$0$514,351
76$1,742,139$0$0$543,582
77$1,839,045$0$0$575,063
78$1,943,290$0$0$608,999
79$2,055,544$0$0$645,619
80$2,176,539$0$0$685,170
81$2,307,082$0$0$727,928
82$2,448,060$0$0$774,192
83$2,600,446$0$0$824,293
84$2,765,310$0$0$878,596
85$2,943,828$0$0$937,499
86$3,137,293$0$0$1,001,443
87$3,347,127$0$0$1,070,912
88$3,574,894$0$0$1,146,437
89$3,822,313$0$0$1,228,603
90$4,091,277$0$0$1,318,056
91$4,383,866$0$0$1,415,502
92$4,702,371$0$0$1,521,723
93$5,049,310$0$0$1,637,577
94$5,427,458$0$0$1,764,007
95$5,839,864$0$0$1,902,055
96$6,289,889$0$0$2,052,864
97$6,781,228$0$0$2,217,695
98$7,317,951$0$0$2,397,935
99$7,904,540$0$0$2,595,111
100$8,545,925$0$0$2,810,906