Can I retire at age 52 with 555,000?

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 $555,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$45,831$45,423$45,025$44,636$44,256$43,559
2 years$22,689$22,266$21,857$21,460$21,075$20,374
3 years$14,976$14,551$14,143$13,749$13,371$12,688
4 years$11,120$10,697$10,292$9,906$9,536$8,877
5 years$8,807$8,386$7,987$7,609$7,249$6,616
6 years$7,265$6,848$6,455$6,085$5,736$5,129
7 years$6,165$5,751$5,364$5,002$4,665$4,085
8 years$5,340$4,930$4,549$4,196$3,870$3,316
9 years$4,698$4,292$3,918$3,574$3,259$2,731
10 years$4,186$3,783$3,416$3,081$2,777$2,275
11 years$3,766$3,368$3,007$2,682$2,388$1,911
12 years$3,417$3,023$2,669$2,352$2,070$1,617
13 years$3,122$2,732$2,385$2,077$1,805$1,376
14 years$2,869$2,483$2,143$1,843$1,582$1,177
15 years$2,650$2,268$1,934$1,644$1,393$1,010
16 years$2,459$2,081$1,754$1,472$1,231$870
17 years$2,290$1,917$1,596$1,323$1,092$751
18 years$2,140$1,771$1,457$1,192$971$650
19 years$2,007$1,642$1,334$1,077$865$564
20 years$1,886$1,525$1,224$975$773$490
21 years$1,778$1,421$1,126$885$691$426
22 years$1,679$1,326$1,038$805$620$371
23 years$1,589$1,240$958$733$556$324
24 years$1,507$1,162$886$669$500$283
25 years$1,431$1,091$821$611$450$247
26 years$1,361$1,025$761$558$405$216
27 years$1,297$965$707$511$365$189
28 years$1,237$909$657$468$330$165
29 years$1,181$858$611$429$298$145
30 years$1,130$810$570$394$269$127
31 years$1,081$766$531$362$243$111
32 years$1,036$724$495$333$220$98
33 years$994$686$463$306$199$86
34 years$954$650$432$281$180$75
35 years$917$617$404$259$163$66
36 years$881$585$378$239$148$58
37 years$848$556$354$220$134$51
38 years$817$528$331$203$122$45
39 years$787$502$310$187$110$39
40 years$759$478$291$172$100$34
41 years$732$455$273$159$91$30
42 years$707$433$256$147$82$26
43 years$682$413$240$135$75$23
44 years$659$394$225$125$68$20
45 years$637$375$212$115$62$18
46 years$617$358$199$107$56$16
47 years$597$342$187$99$51$14
48 years$578$326$175$91$46$12
49 years$559$311$165$84$42$11
50 years$542$298$155$78$38$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $555,000, adding $4,618 every year, while hoping to spend $48,694 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: 54/24/22 Blend
51$555,000$555,000$555,000$555,000
52$616,373$586,958$578,356$645,711
53$627,434$563,909$545,921$643,314
54$637,990$538,099$510,767$635,226
55$647,939$509,340$472,752$625,388
56$657,167$477,436$431,728$613,648
57$665,545$442,177$387,537$599,842
58$672,930$403,343$340,019$583,793
59$679,162$360,701$289,004$565,308
60$684,065$314,003$234,313$544,179
61$687,439$262,989$175,762$520,182
62$689,067$207,384$113,159$493,072
63$688,702$146,897$46,301$462,586
64$686,075$81,220$0$428,436
65$680,885$10,030$0$396,193
66$672,798$0$0$371,621
67$661,443$0$0$361,226
68$646,410$0$0$351,260
69$627,245$0$0$338,803
70$603,445$0$0$323,555
71$574,453$0$0$305,182
72$539,651$0$0$283,317
73$498,357$0$0$257,553
74$449,816$0$0$227,439
75$393,194$0$0$192,477
76$327,568$0$0$152,116
77$251,918$0$0$105,750
78$165,115$0$0$52,704
79$65,916$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
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