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%15%
1 years$45,997$45,587$45,187$44,797$44,416$43,501
2 years$22,771$22,346$21,935$21,537$21,150$20,233
3 years$15,030$14,604$14,194$13,799$13,419$12,527
4 years$11,160$10,735$10,329$9,941$9,570$8,712
5 years$8,839$8,417$8,016$7,636$7,275$6,452
6 years$7,292$6,873$6,478$6,107$5,757$4,969
7 years$6,187$5,772$5,383$5,021$4,682$3,931
8 years$5,359$4,947$4,566$4,212$3,884$3,169
9 years$4,715$4,308$3,932$3,587$3,271$2,592
10 years$4,201$3,797$3,428$3,092$2,787$2,143
11 years$3,780$3,380$3,018$2,691$2,397$1,787
12 years$3,429$3,034$2,679$2,361$2,077$1,500
13 years$3,133$2,742$2,393$2,084$1,811$1,266
14 years$2,879$2,492$2,150$1,850$1,588$1,074
15 years$2,660$2,277$1,941$1,650$1,398$914
16 years$2,468$2,089$1,760$1,477$1,236$781
17 years$2,298$1,924$1,602$1,327$1,095$668
18 years$2,148$1,778$1,462$1,196$974$574
19 years$2,014$1,647$1,338$1,081$868$493
20 years$1,893$1,531$1,228$979$775$425
21 years$1,784$1,426$1,130$888$694$366
22 years$1,685$1,331$1,041$808$622$316
23 years$1,595$1,245$962$736$558$273
24 years$1,512$1,166$889$671$502$236
25 years$1,436$1,095$824$613$452$204
26 years$1,366$1,029$764$560$407$177
27 years$1,301$968$709$513$367$153
28 years$1,241$912$659$470$331$133
29 years$1,186$861$614$431$299$115
30 years$1,134$813$572$395$270$100
31 years$1,085$768$533$363$244$87
32 years$1,040$727$497$334$221$75
33 years$998$689$464$307$200$65
34 years$958$653$434$282$181$57
35 years$920$619$406$260$164$49
36 years$885$587$379$239$148$43
37 years$851$558$355$221$135$37
38 years$820$530$332$203$122$32
39 years$790$504$312$187$111$28
40 years$762$480$292$173$100$24
41 years$735$457$274$160$91$21
42 years$709$435$257$147$83$18
43 years$685$414$241$136$75$16
44 years$662$395$226$125$68$14
45 years$640$377$212$116$62$12
46 years$619$359$199$107$56$11
47 years$599$343$187$99$51$9
48 years$580$327$176$91$46$8
49 years$561$313$166$84$42$7
50 years$544$299$156$78$38$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $557,000, adding $3,233 every year, while hoping to spend $35,846 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: 35/39/26 Blend
51$557,000$557,000$557,000$557,000
52$617,149$587,628$578,994$633,808
53$641,958$578,282$560,251$637,152
54$668,097$567,276$539,678$637,279
55$695,662$554,492$517,177$636,713
56$724,761$539,804$492,643$635,416
57$755,509$523,077$465,969$633,349
58$788,033$504,170$437,042$630,472
59$822,472$482,934$405,742$626,746
60$858,977$459,210$371,947$622,131
61$897,713$432,831$335,527$616,588
62$938,859$403,620$296,348$610,077
63$982,615$371,389$254,267$602,561
64$1,029,195$335,941$209,139$594,003
65$1,078,837$297,066$160,808$584,366
66$1,131,799$254,543$109,116$573,617
67$1,188,365$208,138$53,894$561,725
68$1,248,846$157,605$0$548,663
69$1,313,583$102,682$0$535,803
70$1,382,950$43,095$0$537,775
71$1,457,357$0$0$539,652
72$1,537,254$0$0$550,684
73$1,623,135$0$0$582,477
74$1,715,542$0$0$616,746
75$1,815,069$0$0$653,719
76$1,922,372$0$0$693,645
77$2,038,168$0$0$736,801
78$2,163,246$0$0$783,490
79$2,298,473$0$0$834,045
80$2,444,802$0$0$888,831
81$2,603,282$0$0$948,252
82$2,775,063$0$0$1,012,749
83$2,961,413$0$0$1,082,810
84$3,163,724$0$0$1,158,970
85$3,383,529$0$0$1,241,819
86$3,622,513$0$0$1,332,004
87$3,882,530$0$0$1,430,238
88$4,165,619$0$0$1,537,308
89$4,474,027$0$0$1,654,075
90$4,810,223$0$0$1,781,492
91$5,176,927$0$0$1,920,604
92$5,577,129$0$0$2,072,564
93$6,014,126$0$0$2,238,640
94$6,491,542$0$0$2,420,228
95$7,013,370$0$0$2,618,865
96$7,584,004$0$0$2,836,243
97$8,208,285$0$0$3,074,228
98$8,891,539$0$0$3,334,870
99$9,639,634$0$0$3,620,431
100$10,459,032$0$0$3,933,399