Can I retire at age 52 with 561,000?

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 $561,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$46,327$45,914$45,512$45,119$44,735$43,460
2 years$22,934$22,507$22,093$21,692$21,302$20,028
3 years$15,138$14,709$14,296$13,898$13,515$12,281
4 years$11,240$10,812$10,404$10,013$9,639$8,454
5 years$8,902$8,477$8,074$7,691$7,327$6,196
6 years$7,344$6,922$6,525$6,150$5,798$4,720
7 years$6,232$5,813$5,422$5,057$4,715$3,692
8 years$5,398$4,983$4,598$4,242$3,912$2,942
9 years$4,749$4,339$3,961$3,613$3,294$2,377
10 years$4,231$3,824$3,453$3,115$2,807$1,941
11 years$3,807$3,404$3,040$2,711$2,414$1,598
12 years$3,454$3,056$2,698$2,378$2,092$1,324
13 years$3,156$2,761$2,410$2,099$1,824$1,103
14 years$2,900$2,510$2,166$1,863$1,599$923
15 years$2,679$2,293$1,955$1,662$1,408$775
16 years$2,485$2,104$1,773$1,488$1,244$652
17 years$2,315$1,938$1,613$1,337$1,103$550
18 years$2,164$1,790$1,473$1,205$981$465
19 years$2,028$1,659$1,348$1,089$874$394
20 years$1,907$1,542$1,237$986$781$334
21 years$1,797$1,436$1,138$895$699$284
22 years$1,697$1,341$1,049$814$627$241
23 years$1,606$1,254$968$741$562$205
24 years$1,523$1,175$896$676$505$175
25 years$1,446$1,102$830$617$455$149
26 years$1,376$1,036$769$564$410$127
27 years$1,311$975$714$517$369$108
28 years$1,250$919$664$473$333$92
29 years$1,194$867$618$434$301$79
30 years$1,142$819$576$398$272$67
31 years$1,093$774$537$366$246$57
32 years$1,047$732$501$336$222$49
33 years$1,005$693$468$309$201$42
34 years$964$657$437$284$182$36
35 years$927$623$408$262$165$30
36 years$891$592$382$241$150$26
37 years$857$562$358$222$136$22
38 years$826$534$335$205$123$19
39 years$795$508$314$189$111$16
40 years$767$483$294$174$101$14
41 years$740$460$276$161$92$12
42 years$714$438$259$148$83$10
43 years$690$417$243$137$76$9
44 years$667$398$228$126$69$7
45 years$644$379$214$117$62$6
46 years$623$362$201$108$56$5
47 years$603$345$189$100$51$5
48 years$584$330$177$92$47$4
49 years$565$315$167$85$42$3
50 years$548$301$157$79$38$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $561,000, adding $4,164 every year, while hoping to spend $25,195 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: 64/22/14 Blend
51$561,000$561,000$561,000$561,000
52$622,517$592,784$584,089$660,017
53$659,207$595,023$576,848$687,874
54$698,794$596,528$568,521$715,004
55$741,548$597,235$559,044$744,020
56$787,765$597,078$548,351$775,105
57$837,769$595,987$536,372$808,462
58$891,917$593,886$523,037$844,315
59$950,603$590,697$508,269$882,911
60$1,014,257$586,334$491,988$924,525
61$1,083,355$580,708$474,114$969,458
62$1,158,419$573,724$454,558$1,018,045
63$1,240,023$565,282$433,231$1,070,655
64$1,328,799$555,274$410,038$1,127,695
65$1,425,442$543,588$384,880$1,189,614
66$1,530,718$530,105$357,654$1,256,911
67$1,645,468$514,697$328,252$1,330,134
68$1,770,620$497,231$296,562$1,409,890
69$1,907,192$477,564$262,466$1,496,848
70$2,056,307$455,546$225,840$1,591,748
71$2,219,202$431,019$186,557$1,695,405
72$2,397,235$403,815$144,482$1,808,722
73$2,591,907$373,755$99,476$1,932,693
74$2,804,864$340,652$51,391$2,068,418
75$3,037,924$304,307$76$2,217,108
76$3,293,085$264,511$0$2,380,104
77$3,572,549$221,041$0$2,567,051
78$3,878,740$173,664$0$2,771,954
79$4,214,330$122,132$0$2,996,629
80$4,582,259$66,183$0$3,243,089
81$4,985,766$5,542$0$3,513,555
82$5,428,417$0$0$3,810,475
83$5,914,144$0$0$4,151,095
84$6,447,274$0$0$4,526,469
85$7,032,574$0$0$4,938,619
86$7,675,297$0$0$5,391,247
87$8,381,227$0$0$5,888,433
88$9,156,739$0$0$6,434,672
89$10,008,852$0$0$7,034,914
90$10,945,302$0$0$7,694,613
91$11,974,610$0$0$8,419,779
92$13,106,163$0$0$9,217,032
93$14,350,304$0$0$10,093,666
94$15,718,428$0$0$11,057,715
95$17,223,088$0$0$12,118,035
96$18,878,118$0$0$13,284,378
97$20,698,756$0$0$14,567,494
98$22,701,794$0$0$15,979,222
99$24,905,733$0$0$17,532,611
100$27,330,956$0$0$19,242,036