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%16%
1 years$45,006$44,605$44,214$43,832$43,459$42,391
2 years$22,280$21,865$21,463$21,073$20,695$19,626
3 years$14,706$14,289$13,888$13,502$13,130$12,092
4 years$10,919$10,504$10,107$9,727$9,364$8,367
5 years$8,648$8,235$7,843$7,471$7,118$6,164
6 years$7,135$6,725$6,339$5,975$5,633$4,722
7 years$6,054$5,647$5,267$4,912$4,581$3,714
8 years$5,244$4,841$4,467$4,121$3,800$2,977
9 years$4,614$4,215$3,848$3,510$3,200$2,420
10 years$4,110$3,715$3,354$3,026$2,727$1,988
11 years$3,698$3,307$2,953$2,633$2,345$1,647
12 years$3,356$2,969$2,621$2,310$2,032$1,374
13 years$3,066$2,683$2,342$2,039$1,772$1,152
14 years$2,817$2,438$2,104$1,810$1,553$971
15 years$2,602$2,228$1,900$1,614$1,368$821
16 years$2,415$2,044$1,722$1,445$1,209$696
17 years$2,249$1,882$1,567$1,299$1,072$591
18 years$2,102$1,739$1,431$1,170$953$504
19 years$1,970$1,612$1,310$1,058$849$430
20 years$1,852$1,498$1,202$958$759$367
21 years$1,746$1,395$1,106$869$679$314
22 years$1,649$1,302$1,019$790$609$269
23 years$1,560$1,218$941$720$546$231
24 years$1,479$1,141$870$657$491$198
25 years$1,405$1,071$806$600$442$170
26 years$1,337$1,007$747$548$398$146
27 years$1,273$947$694$502$359$126
28 years$1,215$893$645$460$324$108
29 years$1,160$842$600$422$292$93
30 years$1,109$795$559$387$264$80
31 years$1,062$752$521$355$239$69
32 years$1,018$711$486$327$216$59
33 years$976$674$454$300$196$51
34 years$937$639$424$276$177$44
35 years$900$606$397$254$160$38
36 years$866$575$371$234$145$33
37 years$833$546$347$216$132$28
38 years$802$519$325$199$119$24
39 years$773$493$305$183$108$21
40 years$745$469$286$169$98$18
41 years$719$447$268$156$89$15
42 years$694$426$251$144$81$13
43 years$670$405$236$133$73$11
44 years$648$386$221$123$67$10
45 years$626$369$208$113$60$9
46 years$605$352$195$105$55$7
47 years$586$336$183$97$50$6
48 years$567$320$172$89$45$5
49 years$549$306$162$83$41$5
50 years$532$292$152$76$37$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $545,000, adding $6,193 every year, while hoping to spend $42,607 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: 65/12/23 Blend
51$545,000$545,000$545,000$545,000
52$606,978$578,093$569,646$642,446
53$623,556$561,086$543,395$650,072
54$640,398$541,818$514,837$653,036
55$657,484$520,132$483,850$655,297
56$674,793$495,865$450,305$656,788
57$692,301$468,841$414,069$657,439
58$709,978$438,877$375,003$657,172
59$727,790$405,776$332,960$655,904
60$745,699$369,334$287,789$653,545
61$763,661$329,332$239,330$649,998
62$781,625$285,539$187,418$645,159
63$799,533$237,713$131,879$638,915
64$817,320$185,596$72,532$631,145
65$834,914$128,917$9,188$621,715
66$852,230$67,389$0$610,485
67$869,175$708$0$611,634
68$885,644$0$0$614,001
69$901,519$0$0$624,633
70$916,667$0$0$634,819
71$930,942$0$0$644,357
72$944,177$0$0$653,129
73$956,187$0$0$661,002
74$966,768$0$0$667,828
75$975,688$0$0$673,440
76$982,693$0$0$677,657
77$987,499$0$0$680,272
78$989,789$0$0$681,060
79$989,211$0$0$679,766
80$985,377$0$0$676,112
81$977,852$0$0$669,786
82$966,156$0$0$660,443
83$949,758$0$0$647,701
84$928,065$0$0$631,136
85$900,426$0$0$610,278
86$866,114$0$0$584,607
87$824,329$0$0$553,549
88$774,183$0$0$516,467
89$714,693$0$0$472,655
90$644,775$0$0$421,335
91$563,226$0$0$361,645
92$468,718$0$0$292,633
93$359,784$0$0$213,245
94$234,802$0$0$122,320
95$91,978$0$0$18,570
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0