Can I retire at age 52 with 558,000?

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 $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%15.2%
1 years$46,079$45,669$45,268$44,877$44,496$43,544
2 years$22,811$22,387$21,975$21,576$21,188$20,234
3 years$15,057$14,630$14,219$13,824$13,443$12,516
4 years$11,180$10,755$10,348$9,959$9,588$8,695
5 years$8,854$8,432$8,030$7,650$7,288$6,433
6 years$7,305$6,885$6,490$6,117$5,767$4,949
7 years$6,198$5,782$5,393$5,030$4,690$3,910
8 years$5,369$4,956$4,574$4,219$3,891$3,149
9 years$4,724$4,315$3,939$3,594$3,277$2,572
10 years$4,208$3,804$3,434$3,098$2,792$2,124
11 years$3,787$3,386$3,024$2,696$2,401$1,769
12 years$3,436$3,039$2,683$2,365$2,081$1,483
13 years$3,139$2,747$2,397$2,088$1,814$1,250
14 years$2,885$2,497$2,154$1,853$1,591$1,059
15 years$2,665$2,281$1,945$1,653$1,400$900
16 years$2,472$2,093$1,763$1,480$1,238$768
17 years$2,303$1,927$1,605$1,330$1,097$656
18 years$2,152$1,781$1,465$1,198$976$562
19 years$2,017$1,650$1,341$1,083$870$483
20 years$1,896$1,534$1,231$981$777$415
21 years$1,787$1,429$1,132$890$695$357
22 years$1,688$1,333$1,043$809$623$308
23 years$1,597$1,247$963$737$559$266
24 years$1,515$1,169$891$672$503$229
25 years$1,439$1,097$825$614$452$198
26 years$1,369$1,031$765$561$408$171
27 years$1,304$970$711$514$367$148
28 years$1,244$914$661$471$332$128
29 years$1,188$862$615$432$299$111
30 years$1,136$814$573$396$271$96
31 years$1,087$770$534$364$245$83
32 years$1,042$728$498$334$221$72
33 years$999$690$465$307$200$63
34 years$959$654$435$283$181$54
35 years$922$620$406$260$164$47
36 years$886$589$380$240$149$41
37 years$853$559$356$221$135$35
38 years$821$531$333$204$122$31
39 years$791$505$312$188$111$27
40 years$763$481$293$173$101$23
41 years$736$457$274$160$91$20
42 years$710$436$257$148$83$17
43 years$686$415$241$136$75$15
44 years$663$396$227$126$68$13
45 years$641$377$213$116$62$11
46 years$620$360$200$107$56$10
47 years$600$344$188$99$51$9
48 years$581$328$176$92$46$7
49 years$562$313$166$85$42$6
50 years$545$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 $558,000, adding $2,152 every year, while hoping to spend $23,113 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: 38/44/18 Blend
51$558,000$558,000$558,000$558,000
52$617,136$587,562$578,913$637,175
53$655,492$591,760$573,714$655,986
54$696,985$595,390$567,567$673,945
55$741,912$598,398$560,415$692,870
56$790,597$600,730$552,199$712,859
57$843,397$602,325$542,857$734,025
58$900,707$603,122$532,326$756,491
59$962,957$603,053$520,537$780,394
60$1,030,624$602,048$507,420$805,888
61$1,104,231$600,031$492,901$833,144
62$1,184,352$596,923$476,904$862,350
63$1,271,622$592,638$459,346$893,719
64$1,366,737$587,087$440,143$927,485
65$1,470,464$580,174$419,208$963,909
66$1,583,647$571,798$396,448$1,003,280
67$1,707,216$561,853$371,765$1,045,921
68$1,842,193$550,225$345,060$1,092,188
69$1,989,704$536,793$316,227$1,142,478
70$2,150,988$521,431$285,156$1,197,232
71$2,327,412$504,004$251,731$1,256,936
72$2,520,476$484,369$215,833$1,322,133
73$2,731,837$462,375$177,335$1,393,422
74$2,963,317$437,863$136,108$1,471,468
75$3,216,921$410,664$92,014$1,557,010
76$3,494,860$380,601$44,910$1,650,862
77$3,799,569$347,483$0$1,753,930
78$4,133,727$311,111$0$1,868,245
79$4,500,287$271,275$0$2,003,158
80$4,902,501$227,753$0$2,151,293
81$5,343,951$180,308$0$2,314,042
82$5,828,583$128,692$0$2,492,942
83$6,360,744$72,643$0$2,689,691
84$6,945,220$11,883$0$2,906,167
85$7,587,287$0$0$3,144,443
86$8,292,755$0$0$3,432,897
87$9,068,026$0$0$3,756,296
88$9,920,150$0$0$4,111,839
89$10,856,897$0$0$4,502,778
90$11,886,826$0$0$4,932,696
91$13,019,368$0$0$5,405,541
92$14,264,912$0$0$5,925,662
93$15,634,904$0$0$6,497,851
94$17,141,958$0$0$7,127,388
95$18,799,968$0$0$7,820,090
96$20,624,245$0$0$8,582,368
97$22,631,659$0$0$9,421,284
98$24,840,797$0$0$10,344,620
99$27,272,140$0$0$11,360,951
100$29,948,253$0$0$12,479,726