Can I retire at age 52 with 544,000?

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 $544,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$44,923$44,523$44,132$43,751$43,379$42,382
2 years$22,239$21,825$21,424$21,034$20,657$19,658
3 years$14,679$14,263$13,862$13,477$13,106$12,136
4 years$10,899$10,485$10,088$9,709$9,347$8,414
5 years$8,632$8,220$7,829$7,458$7,105$6,212
6 years$7,121$6,712$6,327$5,964$5,622$4,769
7 years$6,043$5,637$5,258$4,903$4,572$3,759
8 years$5,234$4,832$4,459$4,113$3,793$3,020
9 years$4,605$4,207$3,841$3,504$3,194$2,461
10 years$4,103$3,708$3,348$3,020$2,722$2,027
11 years$3,692$3,301$2,948$2,628$2,341$1,684
12 years$3,349$2,963$2,616$2,305$2,029$1,408
13 years$3,060$2,678$2,337$2,035$1,769$1,184
14 years$2,812$2,434$2,100$1,807$1,551$1,000
15 years$2,598$2,224$1,896$1,611$1,365$848
16 years$2,410$2,040$1,719$1,443$1,207$721
17 years$2,245$1,879$1,564$1,296$1,070$615
18 years$2,098$1,736$1,428$1,168$951$525
19 years$1,967$1,609$1,307$1,056$848$449
20 years$1,849$1,495$1,200$956$757$385
21 years$1,742$1,393$1,104$868$678$331
22 years$1,646$1,300$1,017$789$608$284
23 years$1,557$1,216$939$718$545$244
24 years$1,477$1,139$868$655$490$210
25 years$1,403$1,069$804$598$441$181
26 years$1,334$1,005$746$547$397$156
27 years$1,271$946$693$501$358$135
28 years$1,212$891$644$459$323$116
29 years$1,158$841$599$421$292$100
30 years$1,107$794$558$386$264$87
31 years$1,060$750$520$355$238$75
32 years$1,016$710$486$326$216$65
33 years$974$672$453$300$195$56
34 years$935$637$424$276$177$48
35 years$899$605$396$254$160$42
36 years$864$574$370$234$145$36
37 years$831$545$347$215$131$31
38 years$801$518$325$199$119$27
39 years$771$492$304$183$108$23
40 years$744$469$285$169$98$20
41 years$718$446$267$156$89$17
42 years$693$425$251$144$81$15
43 years$669$405$235$133$73$13
44 years$646$386$221$123$66$11
45 years$625$368$207$113$60$10
46 years$604$351$195$105$55$8
47 years$585$335$183$97$50$7
48 years$566$320$172$89$45$6
49 years$548$305$162$82$41$5
50 years$531$292$152$76$37$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $544,000, adding $3,412 every year, while hoping to spend $32,111 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: 34/47/19 Blend
51$544,000$544,000$544,000$544,000
52$603,007$574,175$565,743$619,887
53$630,348$568,144$550,530$626,585
54$659,402$560,741$533,731$630,591
55$690,309$551,865$515,258$634,239
56$723,223$541,409$495,022$637,516
57$758,313$529,260$472,927$640,410
58$795,764$515,297$448,873$642,913
59$835,779$499,393$422,757$645,017
60$878,578$481,413$394,469$646,717
61$924,406$461,215$363,897$648,012
62$973,529$438,649$330,921$648,904
63$1,026,240$413,553$295,418$649,401
64$1,082,859$385,761$257,258$649,513
65$1,143,741$355,092$216,305$649,259
66$1,209,270$321,360$172,420$648,663
67$1,279,873$284,364$125,453$647,757
68$1,356,016$243,894$75,252$646,582
69$1,438,212$199,727$21,655$645,189
70$1,527,024$151,628$0$643,640
71$1,623,072$99,349$0$649,216
72$1,727,036$42,628$0$659,955
73$1,839,664$0$0$671,605
74$1,961,779$0$0$694,061
75$2,094,285$0$0$742,418
76$2,238,177$0$0$795,000
77$2,394,551$0$0$852,217
78$2,564,609$0$0$914,518
79$2,749,676$0$0$982,397
80$2,951,209$0$0$1,056,400
81$3,170,813$0$0$1,137,127
82$3,410,251$0$0$1,225,236
83$3,671,466$0$0$1,321,453
84$3,956,597$0$0$1,426,580
85$4,267,996$0$0$1,541,495
86$4,608,254$0$0$1,667,167
87$4,980,224$0$0$1,804,664
88$5,387,045$0$0$1,955,160
89$5,832,176$0$0$2,119,949
90$6,319,422$0$0$2,300,455
91$6,852,978$0$0$2,498,247
92$7,437,459$0$0$2,715,054
93$8,077,949$0$0$2,952,777
94$8,780,049$0$0$3,213,512
95$9,549,924$0$0$3,499,569
96$10,394,367$0$0$3,813,489
97$11,320,859$0$0$4,158,074
98$12,337,641$0$0$4,536,407
99$13,453,790$0$0$4,951,889
100$14,679,304$0$0$5,408,261