Can I retire at age 52 with 545,000?

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 $545,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$45,006$44,605$44,214$43,832$43,459$42,722
2 years$22,280$21,865$21,463$21,073$20,695$19,954
3 years$14,706$14,289$13,888$13,502$13,130$12,409
4 years$10,919$10,504$10,107$9,727$9,364$8,669
5 years$8,648$8,235$7,843$7,471$7,118$6,450
6 years$7,135$6,725$6,339$5,975$5,633$4,993
7 years$6,054$5,647$5,267$4,912$4,581$3,969
8 years$5,244$4,841$4,467$4,121$3,800$3,217
9 years$4,614$4,215$3,848$3,510$3,200$2,645
10 years$4,110$3,715$3,354$3,026$2,727$2,199
11 years$3,698$3,307$2,953$2,633$2,345$1,844
12 years$3,356$2,969$2,621$2,310$2,032$1,557
13 years$3,066$2,683$2,342$2,039$1,772$1,322
14 years$2,817$2,438$2,104$1,810$1,553$1,128
15 years$2,602$2,228$1,900$1,614$1,368$967
16 years$2,415$2,044$1,722$1,445$1,209$831
17 years$2,249$1,882$1,567$1,299$1,072$716
18 years$2,102$1,739$1,431$1,170$953$618
19 years$1,970$1,612$1,310$1,058$849$535
20 years$1,852$1,498$1,202$958$759$464
21 years$1,746$1,395$1,106$869$679$403
22 years$1,649$1,302$1,019$790$609$350
23 years$1,560$1,218$941$720$546$305
24 years$1,479$1,141$870$657$491$265
25 years$1,405$1,071$806$600$442$231
26 years$1,337$1,007$747$548$398$202
27 years$1,273$947$694$502$359$176
28 years$1,215$893$645$460$324$154
29 years$1,160$842$600$422$292$134
30 years$1,109$795$559$387$264$117
31 years$1,062$752$521$355$239$103
32 years$1,018$711$486$327$216$90
33 years$976$674$454$300$196$79
34 years$937$639$424$276$177$69
35 years$900$606$397$254$160$60
36 years$866$575$371$234$145$53
37 years$833$546$347$216$132$46
38 years$802$519$325$199$119$40
39 years$773$493$305$183$108$35
40 years$745$469$286$169$98$31
41 years$719$447$268$156$89$27
42 years$694$426$251$144$81$24
43 years$670$405$236$133$73$21
44 years$648$386$221$123$67$18
45 years$626$369$208$113$60$16
46 years$605$352$195$105$55$14
47 years$586$336$183$97$50$12
48 years$567$320$172$89$45$11
49 years$549$306$162$83$41$9
50 years$532$292$152$76$37$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $545,000, adding $4,604 every year, while hoping to spend $24,632 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: 57/21/22 Blend
51$545,000$545,000$545,000$545,000
52$605,339$576,454$568,007$636,012
53$640,875$578,492$560,826$659,497
54$679,211$579,804$552,580$682,054
55$720,605$580,329$543,206$706,104
56$765,343$580,002$532,640$731,798
57$813,738$578,752$520,814$759,301
58$866,135$576,506$507,656$788,798
59$922,912$573,187$493,095$820,493
60$984,486$568,710$477,050$854,612
61$1,051,315$562,988$459,443$891,403
62$1,123,903$555,928$440,188$931,145
63$1,202,803$547,430$419,196$974,144
64$1,288,625$537,391$396,375$1,020,737
65$1,382,040$525,698$371,629$1,071,300
66$1,483,785$512,234$344,856$1,126,248
67$1,594,673$496,876$315,950$1,186,039
68$1,715,597$479,490$284,802$1,251,180
69$1,847,540$459,937$251,295$1,322,234
70$1,991,586$438,071$215,310$1,399,818
71$2,148,926$413,735$176,721$1,484,621
72$2,320,872$386,763$135,396$1,577,399
73$2,508,868$356,981$91,199$1,678,989
74$2,714,504$324,205$43,986$1,790,319
75$2,939,532$288,240$0$1,912,411
76$3,185,880$248,879$0$2,047,897
77$3,455,670$205,904$0$2,207,641
78$3,751,241$159,086$0$2,382,724
79$4,075,167$108,181$0$2,574,710
80$4,430,285$52,933$0$2,785,322
81$4,819,718$0$0$3,016,465
82$5,246,905$0$0$3,271,834
83$5,715,637$0$0$3,565,509
84$6,230,085$0$0$3,887,876
85$6,794,848$0$0$4,241,823
86$7,414,990$0$0$4,630,531
87$8,096,089$0$0$5,057,502
88$8,844,290$0$0$5,526,596
89$9,666,363$0$0$6,042,064
90$10,569,766$0$0$6,608,590
91$11,562,716$0$0$7,231,334
92$12,654,264$0$0$7,915,982
93$13,854,382$0$0$8,668,795
94$15,174,058$0$0$9,496,675
95$16,625,397$0$0$10,407,224
96$18,221,735$0$0$11,408,818
97$19,977,767$0$0$12,510,687
98$21,909,683$0$0$13,722,999
99$24,035,320$0$0$15,056,958
100$26,374,335$0$0$16,524,908