Can I retire at age 52 with 560,000?

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 $560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$46,244$45,832$45,430$45,038$44,655$44,263
2 years$22,893$22,467$22,054$21,653$21,264$20,869
3 years$15,111$14,682$14,270$13,873$13,491$13,105
4 years$11,220$10,793$10,385$9,995$9,622$9,248
5 years$8,886$8,462$8,059$7,677$7,314$6,954
6 years$7,331$6,910$6,513$6,139$5,788$5,441
7 years$6,220$5,803$5,412$5,048$4,707$4,374
8 years$5,388$4,974$4,590$4,234$3,905$3,586
9 years$4,741$4,331$3,953$3,607$3,288$2,983
10 years$4,223$3,817$3,447$3,109$2,802$2,510
11 years$3,800$3,398$3,034$2,706$2,410$2,131
12 years$3,448$3,050$2,693$2,373$2,088$1,823
13 years$3,150$2,757$2,406$2,095$1,821$1,569
14 years$2,895$2,506$2,162$1,860$1,596$1,356
15 years$2,674$2,289$1,952$1,659$1,405$1,178
16 years$2,481$2,100$1,770$1,485$1,242$1,026
17 years$2,311$1,934$1,610$1,334$1,101$897
18 years$2,160$1,787$1,470$1,203$979$786
19 years$2,025$1,656$1,346$1,087$873$690
20 years$1,903$1,539$1,235$984$780$607
21 years$1,794$1,434$1,136$893$698$535
22 years$1,694$1,338$1,047$812$625$472
23 years$1,603$1,252$967$740$561$417
24 years$1,520$1,173$894$675$505$369
25 years$1,444$1,101$828$616$454$327
26 years$1,373$1,034$768$563$409$290
27 years$1,308$973$713$516$369$257
28 years$1,248$917$663$472$333$228
29 years$1,192$865$617$433$300$202
30 years$1,140$817$575$398$271$180
31 years$1,091$773$536$365$245$160
32 years$1,046$731$500$336$222$142
33 years$1,003$692$467$309$201$126
34 years$963$656$436$284$182$113
35 years$925$622$408$261$165$100
36 years$889$591$381$241$149$89
37 years$856$561$357$222$135$79
38 years$824$533$334$204$123$71
39 years$794$507$313$188$111$63
40 years$766$482$294$174$101$56
41 years$739$459$275$160$92$50
42 years$713$437$258$148$83$45
43 years$689$417$242$137$75$40
44 years$665$397$227$126$68$35
45 years$643$379$214$117$62$32
46 years$622$361$201$108$56$28
47 years$602$345$188$99$51$25
48 years$583$329$177$92$47$22
49 years$564$314$166$85$42$20
50 years$547$300$156$78$38$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $560,000, adding $4,719 every year, while hoping to spend $35,732 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: 48/34/18 Blend
51$560,000$560,000$560,000$560,000
52$621,988$592,308$583,628$648,483
53$647,412$583,312$565,161$658,360
54$674,232$572,678$544,877$665,066
55$702,552$560,288$522,679$671,587
56$732,486$546,016$498,463$677,917
57$764,160$529,731$472,122$684,057
58$797,709$511,292$443,542$690,006
59$833,281$490,551$412,606$695,770
60$871,038$467,352$379,192$701,356
61$911,159$441,527$343,170$706,773
62$953,838$412,902$304,407$712,038
63$999,287$381,292$262,762$717,170
64$1,047,738$346,499$218,088$722,197
65$1,099,447$308,317$170,234$727,149
66$1,154,693$266,527$119,039$732,068
67$1,213,782$220,897$64,337$737,001
68$1,277,049$171,182$5,953$742,006
69$1,344,862$117,124$0$747,153
70$1,417,625$58,450$0$763,346
71$1,495,781$0$0$781,780
72$1,579,815$0$0$803,377
73$1,670,263$0$0$850,203
74$1,767,709$0$0$900,699
75$1,872,798$0$0$955,205
76$1,986,237$0$0$1,014,093
77$2,108,802$0$0$1,077,774
78$2,241,348$0$0$1,146,698
79$2,384,813$0$0$1,221,361
80$2,540,230$0$0$1,302,306
81$2,708,732$0$0$1,390,134
82$2,891,567$0$0$1,485,502
83$3,090,108$0$0$1,589,136
84$3,305,863$0$0$1,701,831
85$3,540,494$0$0$1,824,466
86$3,795,825$0$0$1,958,004
87$4,073,868$0$0$2,103,508
88$4,376,834$0$0$2,262,145
89$4,707,156$0$0$2,435,202
90$5,067,513$0$0$2,624,094
91$5,460,854$0$0$2,830,378
92$5,890,424$0$0$3,055,771
93$6,359,796$0$0$3,302,159
94$6,872,903$0$0$3,571,621
95$7,434,076$0$0$3,866,448
96$8,048,083$0$0$4,189,157
97$8,720,174$0$0$4,542,526
98$9,456,130$0$0$4,929,610
99$10,262,319$0$0$5,353,774
100$11,145,752$0$0$5,818,725