Can I retire at age 52 with 549,000?

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 $549,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$45,336$44,932$44,538$44,154$43,778$42,326
2 years$22,444$22,026$21,620$21,228$20,847$19,398
3 years$14,814$14,394$13,990$13,601$13,226$11,826
4 years$11,000$10,581$10,181$9,799$9,433$8,092
5 years$8,712$8,296$7,901$7,526$7,171$5,893
6 years$7,187$6,774$6,385$6,019$5,674$4,460
7 years$6,098$5,689$5,306$4,948$4,614$3,465
8 years$5,282$4,876$4,500$4,151$3,828$2,741
9 years$4,648$4,246$3,876$3,536$3,224$2,199
10 years$4,140$3,742$3,379$3,048$2,747$1,782
11 years$3,726$3,332$2,975$2,653$2,362$1,456
12 years$3,380$2,990$2,640$2,327$2,047$1,197
13 years$3,088$2,702$2,359$2,054$1,785$989
14 years$2,838$2,456$2,119$1,823$1,565$820
15 years$2,622$2,244$1,913$1,626$1,378$683
16 years$2,432$2,059$1,735$1,456$1,218$570
17 years$2,265$1,896$1,579$1,308$1,080$477
18 years$2,117$1,752$1,441$1,179$960$400
19 years$1,985$1,624$1,319$1,065$856$335
20 years$1,866$1,509$1,211$965$764$282
21 years$1,758$1,405$1,114$876$684$237
22 years$1,661$1,312$1,026$796$613$200
23 years$1,572$1,227$948$725$550$168
24 years$1,490$1,150$876$661$495$142
25 years$1,415$1,079$812$604$445$120
26 years$1,346$1,014$753$552$401$101
27 years$1,283$954$699$505$362$85
28 years$1,224$899$650$463$326$72
29 years$1,169$848$605$425$295$61
30 years$1,118$801$563$390$266$51
31 years$1,070$757$525$358$241$43
32 years$1,025$717$490$329$218$37
33 years$983$679$458$303$197$31
34 years$944$643$427$278$178$26
35 years$907$610$400$256$162$22
36 years$872$579$374$236$146$19
37 years$839$550$350$217$133$16
38 years$808$523$328$200$120$13
39 years$778$497$307$185$109$11
40 years$751$473$288$170$99$10
41 years$724$450$270$157$90$8
42 years$699$429$253$145$81$7
43 years$675$408$238$134$74$6
44 years$652$389$223$124$67$5
45 years$631$371$209$114$61$4
46 years$610$354$197$106$55$4
47 years$590$338$185$97$50$3
48 years$571$323$174$90$46$3
49 years$553$308$163$83$41$2
50 years$536$294$153$77$38$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $549,000, adding $2,166 every year, while hoping to spend $34,902 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: 47/23/30 Blend
51$549,000$549,000$549,000$549,000
52$607,232$578,135$569,626$630,454
53$632,034$569,328$551,573$638,305
54$658,197$558,920$531,745$643,278
55$685,821$546,796$510,047$648,016
56$715,018$532,832$486,377$652,517
57$745,910$516,901$460,630$656,779
58$778,628$498,864$432,697$660,805
59$813,318$478,578$402,462$664,597
60$850,136$455,889$369,805$668,165
61$889,257$430,634$334,600$671,520
62$930,870$402,643$296,717$674,678
63$975,180$371,734$256,018$677,659
64$1,022,414$337,715$212,361$680,490
65$1,072,822$300,385$165,597$683,206
66$1,126,673$259,527$115,568$685,846
67$1,184,267$214,917$62,113$688,461
68$1,245,930$166,315$5,061$691,108
69$1,312,019$113,470$0$693,859
70$1,382,928$56,113$0$714,663
71$1,459,089$0$0$738,637
72$1,540,973$0$0$765,861
73$1,629,100$0$0$810,489
74$1,724,042$0$0$858,615
75$1,826,424$0$0$910,561
76$1,936,935$0$0$966,683
77$2,056,330$0$0$1,027,372
78$2,185,442$0$0$1,093,057
79$2,325,182$0$0$1,164,210
80$2,476,557$0$0$1,241,350
81$2,640,669$0$0$1,325,047
82$2,818,733$0$0$1,415,930
83$3,012,083$0$0$1,514,688
84$3,222,190$0$0$1,622,081
85$3,450,668$0$0$1,738,944
86$3,699,295$0$0$1,866,196
87$3,970,027$0$0$2,004,850
88$4,265,015$0$0$2,156,017
89$4,586,629$0$0$2,320,924
90$4,937,475$0$0$2,500,919
91$5,320,422$0$0$2,697,486
92$5,738,628$0$0$2,912,259
93$6,195,570$0$0$3,147,038
94$6,695,075$0$0$3,403,802
95$7,241,359$0$0$3,684,733
96$7,839,060$0$0$3,992,232
97$8,493,287$0$0$4,328,942
98$9,209,667$0$0$4,697,777
99$9,994,394$0$0$5,101,942
100$10,854,292$0$0$5,544,969