Can I retire at age 52 with 558,000?

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 $558,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$46,079$45,669$45,268$44,877$44,496$43,003
2 years$22,811$22,387$21,975$21,576$21,188$19,699
3 years$15,057$14,630$14,219$13,824$13,443$12,004
4 years$11,180$10,755$10,348$9,959$9,588$8,210
5 years$8,854$8,432$8,030$7,650$7,288$5,975
6 years$7,305$6,885$6,490$6,117$5,767$4,520
7 years$6,198$5,782$5,393$5,030$4,690$3,509
8 years$5,369$4,956$4,574$4,219$3,891$2,775
9 years$4,724$4,315$3,939$3,594$3,277$2,224
10 years$4,208$3,804$3,434$3,098$2,792$1,801
11 years$3,787$3,386$3,024$2,696$2,401$1,471
12 years$3,436$3,039$2,683$2,365$2,081$1,208
13 years$3,139$2,747$2,397$2,088$1,814$998
14 years$2,885$2,497$2,154$1,853$1,591$827
15 years$2,665$2,281$1,945$1,653$1,400$688
16 years$2,472$2,093$1,763$1,480$1,238$574
17 years$2,303$1,927$1,605$1,330$1,097$480
18 years$2,152$1,781$1,465$1,198$976$402
19 years$2,017$1,650$1,341$1,083$870$337
20 years$1,896$1,534$1,231$981$777$283
21 years$1,787$1,429$1,132$890$695$238
22 years$1,688$1,333$1,043$809$623$200
23 years$1,597$1,247$963$737$559$168
24 years$1,515$1,169$891$672$503$142
25 years$1,439$1,097$825$614$452$120
26 years$1,369$1,031$765$561$408$101
27 years$1,304$970$711$514$367$85
28 years$1,244$914$661$471$332$72
29 years$1,188$862$615$432$299$61
30 years$1,136$814$573$396$271$51
31 years$1,087$770$534$364$245$43
32 years$1,042$728$498$334$221$37
33 years$999$690$465$307$200$31
34 years$959$654$435$283$181$26
35 years$922$620$406$260$164$22
36 years$886$589$380$240$149$19
37 years$853$559$356$221$135$16
38 years$821$531$333$204$122$13
39 years$791$505$312$188$111$11
40 years$763$481$293$173$101$9
41 years$736$457$274$160$91$8
42 years$710$436$257$148$83$7
43 years$686$415$241$136$75$6
44 years$663$396$227$126$68$5
45 years$641$377$213$116$62$4
46 years$620$360$200$107$56$3
47 years$600$344$188$99$51$3
48 years$581$328$176$92$46$2
49 years$562$313$166$85$42$2
50 years$545$299$156$78$38$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $558,000, adding $5,415 every year, while hoping to spend $21,372 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: 64/23/13 Blend
51$558,000$558,000$558,000$558,000
52$620,502$590,928$582,279$657,981
53$661,053$597,143$579,045$689,938
54$705,025$602,947$574,987$721,863
55$752,742$608,297$570,055$756,205
56$804,565$613,147$564,194$793,199
57$860,888$617,448$557,352$833,104
58$922,144$621,149$549,469$876,207
59$988,812$624,195$540,486$922,822
60$1,061,418$626,527$530,339$973,299
61$1,140,539$628,084$518,962$1,028,020
62$1,226,813$628,798$506,286$1,087,411
63$1,320,940$628,601$492,239$1,151,939
64$1,423,691$627,418$476,744$1,222,119
65$1,535,915$625,169$459,722$1,298,520
66$1,658,547$621,771$441,091$1,381,771
67$1,792,615$617,134$420,764$1,472,563
68$1,939,252$611,164$398,650$1,571,661
69$2,099,706$603,761$374,655$1,679,908
70$2,275,349$594,818$348,679$1,798,234
71$2,467,694$584,224$320,620$1,927,663
72$2,678,407$571,859$290,369$2,069,328
73$2,909,322$557,597$257,813$2,224,477
74$3,162,457$541,304$222,834$2,394,486
75$3,440,039$522,839$185,310$2,580,873
76$3,744,517$502,052$145,112$2,785,314
77$4,078,589$478,784$102,105$3,009,655
78$4,445,229$452,869$56,150$3,255,934
79$4,847,712$424,128$7,100$3,526,398
80$5,289,643$392,375$0$3,823,525
81$5,774,996$357,411$0$4,156,325
82$6,308,148$319,027$0$4,522,995
83$6,893,921$277,001$0$4,925,895
84$7,537,627$231,100$0$5,368,716
85$8,245,117$181,076$0$5,855,525
86$9,022,839$126,668$0$6,390,807
87$9,877,895$67,602$0$6,979,503
88$10,818,110$3,584$0$7,627,063
89$11,852,107$0$0$8,339,493
90$12,989,383$0$0$9,140,039
91$14,240,405$0$0$10,021,695
92$15,616,704$0$0$10,991,685
93$17,130,984$0$0$12,058,969
94$18,797,245$0$0$13,233,419
95$20,630,909$0$0$14,525,913
96$22,648,971$0$0$15,948,435
97$24,870,158$0$0$17,514,193
98$27,315,102$0$0$19,237,737
99$30,006,539$0$0$21,135,101
100$32,969,519$0$0$23,223,952