Can I retire at age 52 with 557,000?

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 $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%12.8%
1 years$45,997$45,587$45,187$44,797$44,416$43,897
2 years$22,771$22,346$21,935$21,537$21,150$20,628
3 years$15,030$14,604$14,194$13,799$13,419$12,910
4 years$11,160$10,735$10,329$9,941$9,570$9,078
5 years$8,839$8,417$8,016$7,636$7,275$6,801
6 years$7,292$6,873$6,478$6,107$5,757$5,301
7 years$6,187$5,772$5,383$5,021$4,682$4,245
8 years$5,359$4,947$4,566$4,212$3,884$3,466
9 years$4,715$4,308$3,932$3,587$3,271$2,872
10 years$4,201$3,797$3,428$3,092$2,787$2,406
11 years$3,780$3,380$3,018$2,691$2,397$2,034
12 years$3,429$3,034$2,679$2,361$2,077$1,732
13 years$3,133$2,742$2,393$2,084$1,811$1,484
14 years$2,879$2,492$2,150$1,850$1,588$1,277
15 years$2,660$2,277$1,941$1,650$1,398$1,104
16 years$2,468$2,089$1,760$1,477$1,236$957
17 years$2,298$1,924$1,602$1,327$1,095$833
18 years$2,148$1,778$1,462$1,196$974$726
19 years$2,014$1,647$1,338$1,081$868$634
20 years$1,893$1,531$1,228$979$775$555
21 years$1,784$1,426$1,130$888$694$487
22 years$1,685$1,331$1,041$808$622$427
23 years$1,595$1,245$962$736$558$376
24 years$1,512$1,166$889$671$502$330
25 years$1,436$1,095$824$613$452$291
26 years$1,366$1,029$764$560$407$256
27 years$1,301$968$709$513$367$226
28 years$1,241$912$659$470$331$200
29 years$1,186$861$614$431$299$176
30 years$1,134$813$572$395$270$156
31 years$1,085$768$533$363$244$138
32 years$1,040$727$497$334$221$122
33 years$998$689$464$307$200$108
34 years$958$653$434$282$181$95
35 years$920$619$406$260$164$84
36 years$885$587$379$239$148$75
37 years$851$558$355$221$135$66
38 years$820$530$332$203$122$58
39 years$790$504$312$187$111$52
40 years$762$480$292$173$100$46
41 years$735$457$274$160$91$41
42 years$709$435$257$147$83$36
43 years$685$414$241$136$75$32
44 years$662$395$226$125$68$28
45 years$640$377$212$116$62$25
46 years$619$359$199$107$56$22
47 years$599$343$187$99$51$20
48 years$580$327$176$91$46$17
49 years$561$313$166$84$42$15
50 years$544$299$156$78$38$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $557,000, adding $2,150 every year, while hoping to spend $26,843 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: 35/35/30 Blend
51$557,000$557,000$557,000$557,000
52$616,032$586,511$577,877$631,972
53$650,306$586,689$568,675$644,340
54$687,177$585,976$558,266$655,129
55$726,881$584,301$546,579$666,262
56$769,677$581,586$533,544$677,791
57$815,851$577,751$519,085$689,771
58$865,716$572,709$503,122$702,268
59$919,617$566,369$485,575$715,355
60$977,932$558,636$466,356$729,117
61$1,041,078$549,405$445,375$743,649
62$1,109,511$538,570$422,539$759,057
63$1,183,735$526,014$397,748$775,464
64$1,264,304$511,616$370,900$793,006
65$1,351,825$495,247$341,887$811,837
66$1,446,967$476,770$310,596$832,130
67$1,550,468$456,042$276,912$854,081
68$1,663,137$432,910$240,709$877,907
69$1,785,866$407,211$201,862$903,854
70$1,919,635$378,775$160,235$932,195
71$2,065,525$347,422$115,690$963,238
72$2,224,723$312,960$68,080$997,325
73$2,398,537$275,188$17,253$1,034,841
74$2,588,408$233,892$0$1,076,212
75$2,795,919$188,847$0$1,133,756
76$3,022,818$139,815$0$1,202,828
77$3,271,023$86,544$0$1,278,549
78$3,542,652$28,769$0$1,361,636
79$3,840,034$0$0$1,452,885
80$4,165,733$0$0$1,566,189
81$4,522,575$0$0$1,702,547
82$4,913,672$0$0$1,852,075
83$5,342,448$0$0$2,016,096
84$5,812,679$0$0$2,196,062
85$6,328,520$0$0$2,393,577
86$6,894,549$0$0$2,610,404
87$7,515,810$0$0$2,848,486
88$8,197,858$0$0$3,109,965
89$8,946,810$0$0$3,397,200
90$9,769,408$0$0$3,712,788
91$10,673,076$0$0$4,059,592
92$11,665,995$0$0$4,440,764
93$12,757,176$0$0$4,859,780
94$13,956,547$0$0$5,320,467
95$15,275,045$0$0$5,827,041
96$16,724,721$0$0$6,384,147
97$18,318,849$0$0$6,996,905
98$20,072,057$0$0$7,670,954
99$22,000,459$0$0$8,412,508
100$24,121,812$0$0$9,228,412