Can I retire at age 52 with 542,000?

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 $542,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$44,758$44,359$43,970$43,591$43,220$42,840
2 years$22,157$21,745$21,345$20,957$20,581$20,198
3 years$14,625$14,210$13,811$13,427$13,057$12,683
4 years$10,859$10,446$10,051$9,674$9,313$8,950
5 years$8,601$8,190$7,800$7,430$7,079$6,730
6 years$7,095$6,688$6,304$5,942$5,602$5,266
7 years$6,020$5,616$5,238$4,885$4,556$4,233
8 years$5,215$4,814$4,443$4,098$3,779$3,470
9 years$4,588$4,192$3,826$3,491$3,183$2,887
10 years$4,088$3,695$3,336$3,009$2,712$2,429
11 years$3,678$3,289$2,937$2,619$2,332$2,063
12 years$3,337$2,952$2,606$2,297$2,021$1,764
13 years$3,049$2,668$2,329$2,028$1,762$1,518
14 years$2,802$2,425$2,092$1,800$1,545$1,313
15 years$2,588$2,215$1,889$1,605$1,360$1,140
16 years$2,401$2,033$1,713$1,437$1,202$993
17 years$2,237$1,872$1,559$1,292$1,066$868
18 years$2,090$1,730$1,423$1,164$948$761
19 years$1,960$1,603$1,302$1,052$845$668
20 years$1,842$1,490$1,195$953$755$588
21 years$1,736$1,388$1,099$864$675$518
22 years$1,640$1,295$1,013$786$605$457
23 years$1,552$1,211$936$716$543$404
24 years$1,471$1,135$865$653$488$357
25 years$1,397$1,065$801$596$439$316
26 years$1,329$1,001$743$545$396$280
27 years$1,266$942$690$499$357$249
28 years$1,208$888$642$457$322$221
29 years$1,154$837$597$419$291$196
30 years$1,103$791$556$385$263$174
31 years$1,056$748$519$353$238$155
32 years$1,012$707$484$325$215$138
33 years$971$670$452$299$194$122
34 years$932$635$422$275$176$109
35 years$895$602$395$253$159$97
36 years$861$572$369$233$144$86
37 years$828$543$345$215$131$77
38 years$798$516$324$198$119$68
39 years$769$491$303$182$108$61
40 years$741$467$284$168$98$54
41 years$715$444$266$155$89$48
42 years$690$423$250$143$80$43
43 years$666$403$234$132$73$38
44 years$644$384$220$122$66$34
45 years$623$367$207$113$60$31
46 years$602$350$194$104$55$27
47 years$583$334$182$96$50$24
48 years$564$319$171$89$45$22
49 years$546$304$161$82$41$19
50 years$529$291$151$76$37$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $542,000, adding $6,815 every year, while hoping to spend $22,575 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: 49/30/21 Blend
51$542,000$542,000$542,000$542,000
52$604,314$575,588$567,187$630,050
53$641,934$579,772$562,168$652,818
54$682,635$583,404$556,224$674,704
55$726,707$586,435$549,301$698,009
56$774,470$588,808$541,341$722,876
57$826,273$590,468$532,284$749,465
58$882,505$591,352$522,066$777,951
59$943,588$591,396$510,623$808,529
60$1,009,990$590,531$497,886$841,413
61$1,082,225$588,683$483,781$876,844
62$1,160,859$585,775$468,235$915,085
63$1,246,513$581,725$451,167$956,429
64$1,339,872$576,444$432,496$1,001,201
65$1,441,690$569,840$412,135$1,049,759
66$1,552,795$561,815$389,994$1,102,502
67$1,674,100$552,264$365,979$1,159,868
68$1,806,611$541,077$339,992$1,222,344
69$1,951,433$528,138$311,929$1,290,468
70$2,109,784$513,321$281,684$1,364,837
71$2,283,004$496,497$249,143$1,446,107
72$2,472,571$477,526$214,190$1,535,008
73$2,680,110$456,261$176,702$1,632,345
74$2,907,412$432,548$136,551$1,739,007
75$3,156,446$406,221$93,604$1,855,979
76$3,429,385$377,108$47,722$1,984,348
77$3,728,620$345,024$0$2,125,316
78$4,056,784$309,775$0$2,280,489
79$4,416,778$271,156$0$2,462,487
80$4,811,797$228,950$0$2,662,260
81$5,245,360$182,928$0$2,881,638
82$5,721,342$132,847$0$3,122,637
83$6,244,016$78,453$0$3,387,482
84$6,818,083$19,475$0$3,678,628
85$7,448,727$0$0$3,998,783
86$8,141,655$0$0$4,365,582
87$8,903,156$0$0$4,775,809
88$9,740,158$0$0$5,226,774
89$10,660,294$0$0$5,722,599
90$11,671,974$0$0$6,267,822
91$12,784,461$0$0$6,867,446
92$14,007,962$0$0$7,526,982
93$15,353,725$0$0$8,252,500
94$16,834,140$0$0$9,050,691
95$18,462,859$0$0$9,928,925
96$20,254,923$0$0$10,895,324
97$22,226,907$0$0$11,958,835
98$24,397,072$0$0$13,129,318
99$26,785,538$0$0$14,417,637
100$29,414,477$0$0$15,835,762