Can I retire at age 52 with 559,000?

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 $559,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$46,162$45,751$45,349$44,958$44,575$44,073
2 years$22,852$22,427$22,014$21,614$21,226$20,721
3 years$15,084$14,656$14,245$13,849$13,467$12,974
4 years$11,200$10,774$10,366$9,977$9,605$9,128
5 years$8,870$8,447$8,045$7,663$7,301$6,842
6 years$7,318$6,897$6,501$6,128$5,777$5,336
7 years$6,209$5,792$5,403$5,039$4,698$4,275
8 years$5,378$4,965$4,582$4,227$3,898$3,493
9 years$4,732$4,323$3,946$3,600$3,283$2,896
10 years$4,216$3,811$3,441$3,103$2,797$2,428
11 years$3,793$3,392$3,029$2,701$2,405$2,054
12 years$3,442$3,045$2,688$2,369$2,084$1,750
13 years$3,144$2,752$2,402$2,092$1,818$1,500
14 years$2,890$2,501$2,158$1,857$1,593$1,292
15 years$2,669$2,285$1,948$1,656$1,403$1,117
16 years$2,477$2,096$1,766$1,483$1,240$970
17 years$2,307$1,931$1,607$1,332$1,099$844
18 years$2,156$1,784$1,467$1,200$978$736
19 years$2,021$1,653$1,343$1,085$871$644
20 years$1,900$1,536$1,233$982$778$564
21 years$1,790$1,431$1,134$892$696$495
22 years$1,691$1,336$1,045$811$624$435
23 years$1,600$1,249$965$738$560$382
24 years$1,517$1,171$892$673$504$337
25 years$1,441$1,099$827$615$453$297
26 years$1,371$1,032$767$562$408$262
27 years$1,306$972$712$515$368$231
28 years$1,246$916$662$472$332$204
29 years$1,190$864$616$432$300$180
30 years$1,138$816$574$397$271$159
31 years$1,089$771$535$364$245$141
32 years$1,044$730$499$335$222$125
33 years$1,001$691$466$308$201$110
34 years$961$655$435$283$182$98
35 years$923$621$407$261$164$87
36 years$888$590$381$240$149$77
37 years$854$560$356$221$135$68
38 years$823$532$334$204$122$60
39 years$793$506$313$188$111$53
40 years$764$481$293$174$101$47
41 years$737$458$275$160$91$42
42 years$712$436$258$148$83$37
43 years$687$416$242$136$75$33
44 years$664$396$227$126$68$29
45 years$642$378$213$116$62$26
46 years$621$361$200$107$56$23
47 years$601$344$188$99$51$20
48 years$582$329$177$92$46$18
49 years$563$314$166$85$42$16
50 years$546$300$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 $559,000, adding $4,819 every year, while hoping to spend $38,778 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: 56/35/9 Blend
51$559,000$559,000$559,000$559,000
52$620,989$591,362$582,697$654,159
53$643,070$579,079$560,958$664,827
54$666,104$564,895$537,191$671,723
55$690,147$548,675$511,287$678,300
56$715,259$530,277$483,133$684,530
57$741,507$509,552$452,609$690,390
58$768,960$486,339$419,591$695,852
59$797,696$460,472$383,949$700,890
60$827,797$431,772$345,548$705,478
61$859,355$400,050$304,245$709,589
62$892,465$365,109$259,893$713,197
63$927,234$326,737$212,338$716,275
64$963,777$284,713$161,417$718,798
65$1,002,220$238,801$106,962$720,741
66$1,042,699$188,754$48,797$722,082
67$1,085,361$134,310$0$722,799
68$1,130,368$75,191$0$724,146
69$1,177,896$11,107$0$729,915
70$1,228,138$0$0$735,421
71$1,281,302$0$0$763,109
72$1,337,618$0$0$796,993
73$1,397,335$0$0$832,949
74$1,460,726$0$0$871,144
75$1,528,091$0$0$911,761
76$1,599,756$0$0$955,002
77$1,676,077$0$0$1,001,087
78$1,757,448$0$0$1,050,255
79$1,844,297$0$0$1,102,770
80$1,937,093$0$0$1,158,922
81$2,036,352$0$0$1,219,027
82$2,142,638$0$0$1,283,433
83$2,256,571$0$0$1,352,519
84$2,378,829$0$0$1,426,706
85$2,510,158$0$0$1,506,450
86$2,651,377$0$0$1,592,256
87$2,803,383$0$0$1,684,677
88$2,967,163$0$0$1,784,321
89$3,143,800$0$0$1,891,854
90$3,334,485$0$0$2,008,010
91$3,540,525$0$0$2,133,594
92$3,763,358$0$0$2,269,491
93$4,004,564$0$0$2,416,676
94$4,265,879$0$0$2,576,218
95$4,549,212$0$0$2,749,294
96$4,856,665$0$0$2,937,198
97$5,190,545$0$0$3,141,355
98$5,553,395$0$0$3,363,328
99$5,948,007$0$0$3,604,843
100$6,377,457$0$0$3,867,792