Can I retire at age 52 with 561,000?

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 $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%11.6%
1 years$46,327$45,914$45,512$45,119$44,735$44,434
2 years$22,934$22,507$22,093$21,692$21,302$20,999
3 years$15,138$14,709$14,296$13,898$13,515$13,219
4 years$11,240$10,812$10,404$10,013$9,639$9,352
5 years$8,902$8,477$8,074$7,691$7,327$7,050
6 years$7,344$6,922$6,525$6,150$5,798$5,531
7 years$6,232$5,813$5,422$5,057$4,715$4,459
8 years$5,398$4,983$4,598$4,242$3,912$3,666
9 years$4,749$4,339$3,961$3,613$3,294$3,059
10 years$4,231$3,824$3,453$3,115$2,807$2,581
11 years$3,807$3,404$3,040$2,711$2,414$2,199
12 years$3,454$3,056$2,698$2,378$2,092$1,887
13 years$3,156$2,761$2,410$2,099$1,824$1,628
14 years$2,900$2,510$2,166$1,863$1,599$1,413
15 years$2,679$2,293$1,955$1,662$1,408$1,231
16 years$2,485$2,104$1,773$1,488$1,244$1,076
17 years$2,315$1,938$1,613$1,337$1,103$944
18 years$2,164$1,790$1,473$1,205$981$830
19 years$2,028$1,659$1,348$1,089$874$731
20 years$1,907$1,542$1,237$986$781$646
21 years$1,797$1,436$1,138$895$699$571
22 years$1,697$1,341$1,049$814$627$506
23 years$1,606$1,254$968$741$562$449
24 years$1,523$1,175$896$676$505$399
25 years$1,446$1,102$830$617$455$354
26 years$1,376$1,036$769$564$410$315
27 years$1,311$975$714$517$369$281
28 years$1,250$919$664$473$333$250
29 years$1,194$867$618$434$301$223
30 years$1,142$819$576$398$272$199
31 years$1,093$774$537$366$246$178
32 years$1,047$732$501$336$222$159
33 years$1,005$693$468$309$201$142
34 years$964$657$437$284$182$127
35 years$927$623$408$262$165$113
36 years$891$592$382$241$150$101
37 years$857$562$358$222$136$90
38 years$826$534$335$205$123$81
39 years$795$508$314$189$111$72
40 years$767$483$294$174$101$65
41 years$740$460$276$161$92$58
42 years$714$438$259$148$83$52
43 years$690$417$243$137$76$46
44 years$667$398$228$126$69$42
45 years$644$379$214$117$62$37
46 years$623$362$201$108$56$33
47 years$603$345$189$100$51$30
48 years$584$330$177$92$47$27
49 years$565$315$167$85$42$24
50 years$548$301$157$79$38$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $561,000, adding $4,474 every year, while hoping to spend $31,596 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: 58/35/7 Blend
51$561,000$561,000$561,000$561,000
52$622,837$593,104$584,408$657,767
53$652,748$588,548$570,368$677,204
54$684,652$582,710$554,799$694,409
55$718,717$575,494$537,615$712,375
56$755,130$566,797$518,729$731,178
57$794,096$556,512$498,049$750,902
58$835,836$544,524$475,476$771,641
59$880,598$530,712$450,911$793,500
60$928,650$514,948$424,248$816,597
61$980,287$497,096$395,375$841,061
62$1,035,835$477,011$364,178$867,041
63$1,095,648$454,543$330,536$894,698
64$1,160,118$429,530$294,323$924,215
65$1,229,675$401,801$255,408$955,794
66$1,304,790$371,177$213,652$989,661
67$1,385,982$337,468$168,913$1,026,067
68$1,473,820$300,473$121,040$1,065,293
69$1,568,932$259,978$69,877$1,107,648
70$1,672,006$215,760$15,261$1,153,480
71$1,783,800$167,581$0$1,203,173
72$1,905,145$115,191$0$1,260,367
73$2,036,959$58,324$0$1,323,751
74$2,180,249$0$0$1,392,724
75$2,336,124$0$0$1,469,157
76$2,505,802$0$0$1,576,853
77$2,690,627$0$0$1,694,205
78$2,892,074$0$0$1,822,158
79$3,111,770$0$0$1,961,749
80$3,351,503$0$0$2,114,121
81$3,613,242$0$0$2,280,532
82$3,899,155$0$0$2,462,365
83$4,211,628$0$0$2,661,146
84$4,553,288$0$0$2,878,553
85$4,927,028$0$0$3,116,433
86$5,336,033$0$0$3,376,821
87$5,783,809$0$0$3,661,958
88$6,274,218$0$0$3,974,312
89$6,811,514$0$0$4,316,598
90$7,400,379$0$0$4,691,810
91$8,045,973$0$0$5,103,244
92$8,753,976$0$0$5,554,530
93$9,530,646$0$0$6,049,665
94$10,382,875$0$0$6,593,054
95$11,318,254$0$0$7,189,549
96$12,345,146$0$0$7,844,491
97$13,472,763$0$0$8,563,769
98$14,711,251$0$0$9,353,866
99$16,071,790$0$0$10,221,925
100$17,566,694$0$0$11,175,816