Can I retire at age 52 with 546,000?

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 $546,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$45,088$44,687$44,295$43,912$43,539$42,870
2 years$22,321$21,905$21,502$21,112$20,733$20,061
3 years$14,733$14,315$13,913$13,526$13,154$12,500
4 years$10,939$10,523$10,125$9,745$9,381$8,750
5 years$8,664$8,250$7,858$7,485$7,132$6,524
6 years$7,148$6,737$6,350$5,986$5,643$5,061
7 years$6,065$5,658$5,277$4,921$4,589$4,032
8 years$5,253$4,850$4,475$4,128$3,807$3,276
9 years$4,622$4,223$3,855$3,516$3,206$2,699
10 years$4,118$3,722$3,361$3,031$2,732$2,250
11 years$3,705$3,313$2,959$2,638$2,349$1,891
12 years$3,362$2,974$2,626$2,314$2,036$1,601
13 years$3,071$2,688$2,346$2,043$1,775$1,364
14 years$2,823$2,443$2,108$1,813$1,556$1,167
15 years$2,607$2,232$1,903$1,617$1,370$1,002
16 years$2,419$2,048$1,725$1,448$1,211$864
17 years$2,253$1,886$1,570$1,301$1,074$746
18 years$2,106$1,742$1,433$1,173$955$646
19 years$1,974$1,615$1,312$1,059$851$561
20 years$1,856$1,501$1,204$960$760$488
21 years$1,749$1,398$1,108$871$680$425
22 years$1,652$1,305$1,021$792$610$370
23 years$1,563$1,220$943$721$547$323
24 years$1,482$1,143$872$658$492$283
25 years$1,408$1,073$807$601$443$247
26 years$1,339$1,008$749$549$399$216
27 years$1,276$949$695$503$360$189
28 years$1,217$894$646$461$324$166
29 years$1,162$844$602$422$293$145
30 years$1,111$797$560$388$265$127
31 years$1,064$753$522$356$239$112
32 years$1,019$713$487$327$216$98
33 years$978$675$455$301$196$86
34 years$939$640$425$277$177$76
35 years$902$607$397$255$161$66
36 years$867$576$372$235$146$58
37 years$834$547$348$216$132$51
38 years$803$520$326$199$120$45
39 years$774$494$305$184$108$40
40 years$746$470$286$170$98$35
41 years$720$448$268$156$89$31
42 years$695$426$252$144$81$27
43 years$671$406$236$133$73$24
44 years$649$387$222$123$67$21
45 years$627$369$208$114$61$18
46 years$607$352$196$105$55$16
47 years$587$336$184$97$50$14
48 years$568$321$173$90$45$12
49 years$550$306$162$83$41$11
50 years$533$293$153$77$37$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $546,000, adding $6,862 every year, while hoping to spend $37,691 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: 46/33/21 Blend
51$546,000$546,000$546,000$546,000
52$608,770$579,832$571,369$632,829
53$630,762$568,141$550,407$638,689
54$653,733$554,614$527,480$640,763
55$677,745$539,121$502,481$642,238
56$702,862$521,524$475,301$643,074
57$729,154$501,679$445,824$643,232
58$756,698$479,432$413,929$642,671
59$785,576$454,619$379,491$641,350
60$815,878$427,069$342,377$639,225
61$847,702$396,599$302,451$636,254
62$881,152$363,017$259,568$632,392
63$916,345$326,120$213,578$627,595
64$953,404$285,692$164,325$621,818
65$992,467$241,507$111,646$615,015
66$1,033,681$193,323$55,369$607,142
67$1,077,209$140,888$0$598,155
68$1,123,226$83,934$0$589,060
69$1,171,926$22,177$0$592,073
70$1,223,518$0$0$594,777
71$1,278,232$0$0$613,404
72$1,336,320$0$0$641,761
73$1,398,055$0$0$671,933
74$1,463,738$0$0$704,071
75$1,533,698$0$0$738,341
76$1,608,295$0$0$774,923
77$1,687,923$0$0$814,017
78$1,773,013$0$0$855,839
79$1,864,040$0$0$900,630
80$1,961,522$0$0$948,651
81$2,066,028$0$0$1,000,188
82$2,178,185$0$0$1,055,558
83$2,298,675$0$0$1,115,106
84$2,428,253$0$0$1,179,212
85$2,567,744$0$0$1,248,294
86$2,718,054$0$0$1,322,809
87$2,880,181$0$0$1,403,261
88$3,055,219$0$0$1,490,203
89$3,244,371$0$0$1,584,244
90$3,448,957$0$0$1,686,050
91$3,670,432$0$0$1,796,358
92$3,910,393$0$0$1,915,975
93$4,170,595$0$0$2,045,788
94$4,452,969$0$0$2,186,776
95$4,759,641$0$0$2,340,013
96$5,092,946$0$0$2,506,680
97$5,455,454$0$0$2,688,079
98$5,849,994$0$0$2,885,641
99$6,279,676$0$0$3,100,941
100$6,747,925$0$0$3,335,711