Can I retire at age 52 with 557,000?

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 $557,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$45,997$45,587$45,187$44,797$44,416$44,229
2 years$22,771$22,346$21,935$21,537$21,150$20,962
3 years$15,030$14,604$14,194$13,799$13,419$13,234
4 years$11,160$10,735$10,329$9,941$9,570$9,391
5 years$8,839$8,417$8,016$7,636$7,275$7,102
6 years$7,292$6,873$6,478$6,107$5,757$5,589
7 years$6,187$5,772$5,383$5,021$4,682$4,521
8 years$5,359$4,947$4,566$4,212$3,884$3,729
9 years$4,715$4,308$3,932$3,587$3,271$3,123
10 years$4,201$3,797$3,428$3,092$2,787$2,645
11 years$3,780$3,380$3,018$2,691$2,397$2,261
12 years$3,429$3,034$2,679$2,361$2,077$1,947
13 years$3,133$2,742$2,393$2,084$1,811$1,687
14 years$2,879$2,492$2,150$1,850$1,588$1,470
15 years$2,660$2,277$1,941$1,650$1,398$1,286
16 years$2,468$2,089$1,760$1,477$1,236$1,129
17 years$2,298$1,924$1,602$1,327$1,095$994
18 years$2,148$1,778$1,462$1,196$974$878
19 years$2,014$1,647$1,338$1,081$868$777
20 years$1,893$1,531$1,228$979$775$689
21 years$1,784$1,426$1,130$888$694$612
22 years$1,685$1,331$1,041$808$622$545
23 years$1,595$1,245$962$736$558$485
24 years$1,512$1,166$889$671$502$433
25 years$1,436$1,095$824$613$452$387
26 years$1,366$1,029$764$560$407$346
27 years$1,301$968$709$513$367$309
28 years$1,241$912$659$470$331$277
29 years$1,186$861$614$431$299$248
30 years$1,134$813$572$395$270$222
31 years$1,085$768$533$363$244$199
32 years$1,040$727$497$334$221$179
33 years$998$689$464$307$200$161
34 years$958$653$434$282$181$144
35 years$920$619$406$260$164$129
36 years$885$587$379$239$148$116
37 years$851$558$355$221$135$105
38 years$820$530$332$203$122$94
39 years$790$504$312$187$111$85
40 years$762$480$292$173$100$76
41 years$735$457$274$160$91$68
42 years$709$435$257$147$83$62
43 years$685$414$241$136$75$55
44 years$662$395$226$125$68$50
45 years$640$377$212$116$62$45
46 years$619$359$199$107$56$40
47 years$599$343$187$99$51$36
48 years$580$327$176$91$46$33
49 years$561$313$166$84$42$29
50 years$544$299$156$78$38$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $557,000, adding $5,668 every year, while hoping to spend $20,803 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: 66/14/20 Blend
51$557,000$557,000$557,000$557,000
52$619,661$590,140$581,506$657,084
53$660,732$596,922$578,852$689,666
54$705,295$603,340$575,412$722,366
55$753,684$609,353$571,138$757,618
56$806,268$614,919$565,979$795,674
57$863,449$619,992$559,881$836,810
58$925,674$624,525$552,790$881,331
59$993,431$628,465$544,647$929,574
60$1,067,260$631,759$535,392$981,910
61$1,147,754$634,348$524,960$1,038,748
62$1,235,564$636,170$513,286$1,100,541
63$1,331,409$637,160$500,298$1,167,786
64$1,436,079$637,247$485,925$1,241,034
65$1,550,445$636,358$470,089$1,320,890
66$1,675,465$634,414$452,712$1,408,024
67$1,812,193$631,331$433,708$1,503,173
68$1,961,791$627,021$412,992$1,607,150
69$2,125,538$621,389$390,472$1,720,855
70$2,304,842$614,336$366,052$1,845,275
71$2,501,254$605,757$339,632$1,981,504
72$2,716,481$595,538$311,109$2,130,745
73$2,952,405$583,562$280,374$2,294,327
74$3,211,096$569,703$247,312$2,473,714
75$3,494,837$553,827$211,806$2,670,522
76$3,806,139$535,794$173,731$2,886,531
77$4,147,772$515,454$132,957$3,123,708
78$4,522,783$492,650$89,350$3,384,217
79$4,934,532$467,215$42,768$3,670,449
80$5,386,718$438,971$0$3,985,037
81$5,883,415$407,733$0$4,332,368
82$6,429,114$373,303$0$4,724,001
83$7,028,761$335,472$0$5,154,364
84$7,687,804$294,019$0$5,627,389
85$8,412,245$248,711$0$6,147,407
86$9,208,698$199,303$0$6,719,190
87$10,084,450$145,533$0$7,348,001
88$11,047,527$87,127$0$8,039,637
89$12,106,773$23,794$0$8,800,487
90$13,271,933$0$0$9,637,593
91$14,553,742$0$0$10,565,615
92$15,964,031$0$0$11,590,728
93$17,515,831$0$0$12,718,746
94$19,223,505$0$0$13,960,114
95$21,102,875$0$0$15,326,339
96$23,171,376$0$0$16,830,102
97$25,448,217$0$0$18,485,373
98$27,954,568$0$0$20,307,548
99$30,713,751$0$0$22,313,589
100$33,751,468$0$0$24,522,189