Can I retire at age 52 with 554,000?

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 $554,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$45,749$45,341$44,944$44,556$44,177$43,179
2 years$22,648$22,226$21,817$21,421$21,037$20,037
3 years$14,949$14,525$14,117$13,725$13,346$12,376
4 years$11,100$10,677$10,274$9,888$9,519$8,585
5 years$8,791$8,371$7,973$7,595$7,236$6,341
6 years$7,252$6,836$6,443$6,074$5,726$4,871
7 years$6,154$5,741$5,354$4,993$4,656$3,842
8 years$5,330$4,921$4,541$4,189$3,863$3,088
9 years$4,690$4,284$3,911$3,568$3,253$2,518
10 years$4,178$3,777$3,410$3,076$2,772$2,075
11 years$3,760$3,362$3,002$2,677$2,384$1,725
12 years$3,411$3,018$2,664$2,348$2,066$1,444
13 years$3,116$2,727$2,380$2,073$1,801$1,215
14 years$2,864$2,479$2,139$1,840$1,579$1,027
15 years$2,645$2,264$1,931$1,641$1,390$871
16 years$2,454$2,078$1,751$1,469$1,229$741
17 years$2,286$1,913$1,593$1,320$1,090$632
18 years$2,137$1,768$1,454$1,190$969$541
19 years$2,003$1,639$1,331$1,075$864$463
20 years$1,883$1,523$1,222$974$771$397
21 years$1,774$1,418$1,124$884$690$341
22 years$1,676$1,324$1,036$803$619$293
23 years$1,586$1,238$956$732$555$253
24 years$1,504$1,160$884$667$499$218
25 years$1,428$1,089$819$609$449$188
26 years$1,359$1,023$760$557$405$162
27 years$1,294$963$705$510$365$140
28 years$1,235$907$656$467$329$121
29 years$1,179$856$610$429$297$104
30 years$1,128$808$568$393$269$90
31 years$1,080$764$530$361$243$78
32 years$1,034$723$494$332$220$67
33 years$992$685$462$305$199$58
34 years$952$649$431$281$180$50
35 years$915$616$403$259$163$43
36 years$880$584$377$238$148$38
37 years$847$555$353$219$134$33
38 years$815$527$331$202$121$28
39 years$786$502$310$186$110$24
40 years$757$477$290$172$100$21
41 years$731$454$272$159$91$18
42 years$705$433$255$146$82$16
43 years$681$412$240$135$75$14
44 years$658$393$225$125$68$12
45 years$636$375$211$115$61$10
46 years$615$357$198$106$56$9
47 years$596$341$186$98$51$8
48 years$577$326$175$91$46$7
49 years$558$311$165$84$42$6
50 years$541$297$155$78$38$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $554,000, adding $5,649 every year, while hoping to spend $35,391 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: 60/32/8 Blend
51$554,000$554,000$554,000$554,000
52$616,335$586,973$578,386$651,913
53$641,545$578,079$560,106$667,545
54$668,141$567,563$540,028$680,034
55$696,226$555,308$518,053$692,771
56$725,914$541,191$494,081$705,780
57$757,327$525,080$468,003$719,090
58$790,603$506,836$439,709$732,735
59$825,887$486,314$409,082$746,754
60$863,341$463,358$376,000$761,191
61$903,143$437,802$340,336$776,098
62$945,483$409,475$301,958$791,532
63$990,574$378,191$260,725$807,561
64$1,038,648$343,757$216,494$824,260
65$1,089,956$305,967$169,113$841,715
66$1,144,776$264,605$118,423$860,023
67$1,203,413$219,440$64,260$879,297
68$1,266,201$170,232$6,452$899,659
69$1,333,503$116,723$0$921,252
70$1,405,722$58,644$0$948,950
71$1,483,298$0$0$979,111
72$1,566,714$0$0$1,012,913
73$1,656,500$0$0$1,071,555
74$1,753,238$0$0$1,134,771
75$1,857,568$0$0$1,202,984
76$1,970,194$0$0$1,276,657
77$2,091,887$0$0$1,356,300
78$2,223,495$0$0$1,442,473
79$2,365,952$0$0$1,535,793
80$2,520,283$0$0$1,636,937
81$2,687,615$0$0$1,746,648
82$2,869,189$0$0$1,865,747
83$3,066,367$0$0$1,995,133
84$3,280,650$0$0$2,135,798
85$3,513,687$0$0$2,288,831
86$3,767,294$0$0$2,455,432
87$4,043,468$0$0$2,636,920
88$4,344,407$0$0$2,834,747
89$4,672,529$0$0$3,050,512
90$5,030,498$0$0$3,285,973
91$5,421,242$0$0$3,543,068
92$5,847,988$0$0$3,823,926
93$6,314,286$0$0$4,130,895
94$6,824,045$0$0$4,466,558
95$7,381,569$0$0$4,833,760
96$7,991,597$0$0$5,235,632
97$8,659,347$0$0$5,675,623
98$9,390,564$0$0$6,157,531
99$10,191,576$0$0$6,685,538
100$11,069,352$0$0$7,264,249