Can I retire at age 52 with 560,000?

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 $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%20%
1 years$46,244$45,832$45,430$45,038$44,655$42,867
2 years$22,893$22,467$22,054$21,653$21,264$19,485
3 years$15,111$14,682$14,270$13,873$13,491$11,777
4 years$11,220$10,793$10,385$9,995$9,622$7,986
5 years$8,886$8,462$8,059$7,677$7,314$5,760
6 years$7,331$6,910$6,513$6,139$5,788$4,317
7 years$6,220$5,803$5,412$5,048$4,707$3,319
8 years$5,388$4,974$4,590$4,234$3,905$2,598
9 years$4,741$4,331$3,953$3,607$3,288$2,061
10 years$4,223$3,817$3,447$3,109$2,802$1,651
11 years$3,800$3,398$3,034$2,706$2,410$1,333
12 years$3,448$3,050$2,693$2,373$2,088$1,083
13 years$3,150$2,757$2,406$2,095$1,821$884
14 years$2,895$2,506$2,162$1,860$1,596$724
15 years$2,674$2,289$1,952$1,659$1,405$595
16 years$2,481$2,100$1,770$1,485$1,242$490
17 years$2,311$1,934$1,610$1,334$1,101$405
18 years$2,160$1,787$1,470$1,203$979$335
19 years$2,025$1,656$1,346$1,087$873$277
20 years$1,903$1,539$1,235$984$780$230
21 years$1,794$1,434$1,136$893$698$190
22 years$1,694$1,338$1,047$812$625$158
23 years$1,603$1,252$967$740$561$131
24 years$1,520$1,173$894$675$505$109
25 years$1,444$1,101$828$616$454$91
26 years$1,373$1,034$768$563$409$76
27 years$1,308$973$713$516$369$63
28 years$1,248$917$663$472$333$52
29 years$1,192$865$617$433$300$44
30 years$1,140$817$575$398$271$36
31 years$1,091$773$536$365$245$30
32 years$1,046$731$500$336$222$25
33 years$1,003$692$467$309$201$21
34 years$963$656$436$284$182$17
35 years$925$622$408$261$165$15
36 years$889$591$381$241$149$12
37 years$856$561$357$222$135$10
38 years$824$533$334$204$123$8
39 years$794$507$313$188$111$7
40 years$766$482$294$174$101$6
41 years$739$459$275$160$92$5
42 years$713$437$258$148$83$4
43 years$689$417$242$137$75$3
44 years$665$397$227$126$68$3
45 years$643$379$214$117$62$2
46 years$622$361$201$108$56$2
47 years$602$345$188$99$51$2
48 years$583$329$177$92$47$1
49 years$564$314$166$85$42$1
50 years$547$300$156$78$38$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $560,000, adding $4,518 every year, while hoping to spend $27,134 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: 54/18/28 Blend
51$560,000$560,000$560,000$560,000
52$621,780$592,100$583,420$650,298
53$656,332$592,243$574,095$670,644
54$693,498$591,483$563,547$689,632
55$733,516$589,748$551,708$709,761
56$776,650$586,960$538,505$731,153
57$823,184$583,037$523,861$753,940
58$873,436$577,893$507,697$778,270
59$927,752$571,435$489,930$804,309
60$986,512$563,565$470,472$832,240
61$1,050,136$554,179$449,233$862,265
62$1,119,084$543,168$426,116$894,612
63$1,193,862$530,415$401,023$929,529
64$1,275,028$515,797$373,849$967,297
65$1,363,193$499,184$344,486$1,008,222
66$1,459,032$480,437$312,819$1,052,647
67$1,563,285$459,411$278,731$1,100,951
68$1,676,769$435,950$242,096$1,153,554
69$1,800,379$409,892$202,787$1,210,923
70$1,935,105$381,063$160,667$1,273,572
71$2,082,031$349,281$115,595$1,342,074
72$2,242,355$314,352$67,423$1,417,061
73$2,417,392$276,072$15,999$1,499,233
74$2,608,592$234,226$0$1,589,366
75$2,817,550$188,584$0$1,699,933
76$3,046,022$138,907$0$1,826,123
77$3,295,943$84,940$0$1,964,255
78$3,569,441$26,415$0$2,115,544
79$3,868,862$0$0$2,281,331
80$4,196,786$0$0$2,470,416
81$4,556,058$0$0$2,683,360
82$4,949,809$0$0$2,916,796
83$5,381,486$0$0$3,172,773
84$5,854,889$0$0$3,453,552
85$6,374,200$0$0$3,761,621
86$6,944,027$0$0$4,099,720
87$7,569,446$0$0$4,470,870
88$8,256,048$0$0$4,878,395
89$9,009,990$0$0$5,325,961
90$9,838,056$0$0$5,817,602
91$10,747,721$0$0$6,357,765
92$11,747,215$0$0$6,951,348
93$12,845,611$0$0$7,603,746
94$14,052,898$0$0$8,320,906
95$15,380,084$0$0$9,109,375
96$16,839,299$0$0$9,976,369
97$18,443,902$0$0$10,929,839
98$20,208,615$0$0$11,978,543
99$22,149,657$0$0$13,132,132
100$24,284,898$0$0$14,401,237