Can I retire at age 52 with 564,000?

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 $564,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$46,575$46,160$45,755$45,360$44,974$43,639
2 years$23,057$22,627$22,211$21,808$21,416$20,083
3 years$15,218$14,787$14,372$13,972$13,587$12,297
4 years$11,300$10,870$10,459$10,066$9,691$8,453
5 years$8,950$8,522$8,117$7,732$7,367$6,185
6 years$7,383$6,959$6,560$6,183$5,829$4,704
7 years$6,265$5,844$5,451$5,084$4,741$3,673
8 years$5,426$5,010$4,623$4,265$3,933$2,922
9 years$4,775$4,362$3,982$3,632$3,312$2,356
10 years$4,253$3,845$3,471$3,131$2,822$1,920
11 years$3,827$3,423$3,056$2,725$2,427$1,578
12 years$3,473$3,072$2,712$2,390$2,103$1,305
13 years$3,173$2,776$2,423$2,110$1,834$1,085
14 years$2,916$2,524$2,177$1,873$1,608$906
15 years$2,693$2,305$1,966$1,671$1,416$759
16 years$2,499$2,115$1,782$1,496$1,251$637
17 years$2,327$1,948$1,622$1,344$1,109$537
18 years$2,175$1,800$1,480$1,211$986$453
19 years$2,039$1,668$1,355$1,094$879$383
20 years$1,917$1,550$1,244$991$785$324
21 years$1,806$1,444$1,144$900$703$274
22 years$1,706$1,348$1,054$818$630$233
23 years$1,615$1,261$974$745$565$197
24 years$1,531$1,181$900$679$508$168
25 years$1,454$1,108$834$620$457$142
26 years$1,383$1,042$773$567$412$121
27 years$1,318$980$718$519$371$103
28 years$1,257$924$668$476$335$88
29 years$1,201$871$621$436$303$75
30 years$1,148$823$579$400$273$63
31 years$1,099$778$540$368$247$54
32 years$1,053$736$503$338$224$46
33 years$1,010$697$470$311$202$39
34 years$970$661$439$286$183$33
35 years$932$627$411$263$166$28
36 years$896$595$384$242$150$24
37 years$862$565$360$223$136$21
38 years$830$537$337$206$124$18
39 years$800$511$315$190$112$15
40 years$771$486$296$175$102$13
41 years$744$462$277$162$92$11
42 years$718$440$260$149$84$9
43 years$693$420$244$138$76$8
44 years$670$400$229$127$69$7
45 years$648$381$215$117$63$6
46 years$627$364$202$108$57$5
47 years$606$347$190$100$52$4
48 years$587$331$178$93$47$4
49 years$568$317$168$86$43$3
50 years$551$302$158$79$39$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $564,000, adding $6,757 every year, while hoping to spend $25,858 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: 83/6/11 Blend
51$564,000$564,000$564,000$564,000
52$628,498$598,606$589,864$678,961
53$665,092$600,425$582,112$714,813
54$704,552$601,466$573,233$750,040
55$747,143$601,665$563,163$787,946
56$793,156$600,951$551,833$828,784
57$842,911$599,251$539,173$872,833
58$896,761$596,487$525,108$920,404
59$955,091$592,575$509,559$971,834
60$1,018,326$587,427$492,446$1,027,499
61$1,086,935$580,951$473,682$1,087,810
62$1,161,431$573,046$453,180$1,153,222
63$1,242,381$563,609$430,844$1,224,235
64$1,330,405$552,527$406,579$1,301,399
65$1,426,188$539,683$380,282$1,385,321
66$1,530,485$524,953$351,846$1,476,672
67$1,644,122$508,203$321,161$1,576,187
68$1,768,013$489,296$288,110$1,684,680
69$1,903,160$468,081$252,572$1,803,044
70$2,050,669$444,404$214,420$1,932,267
71$2,211,756$418,098$173,521$2,073,435
72$2,387,759$388,988$129,738$2,227,747
73$2,580,151$356,890$82,926$2,396,521
74$2,790,557$321,608$32,934$2,581,214
75$3,020,761$282,934$0$2,783,428
76$3,272,732$240,651$0$3,007,326
77$3,548,635$194,528$0$3,256,741
78$3,850,856$144,320$0$3,529,969
79$4,182,022$89,770$0$3,829,398
80$4,545,025$30,606$0$4,157,655
81$4,943,053$0$0$4,517,638
82$5,379,614$0$0$4,914,746
83$5,858,574$0$0$5,352,650
84$6,384,191$0$0$5,833,223
85$6,961,153$0$0$6,360,754
86$7,594,628$0$0$6,939,969
87$8,290,306$0$0$7,576,071
88$9,054,454$0$0$8,274,795
89$9,893,980$0$0$9,042,457
90$10,816,491$0$0$9,886,015
91$11,830,368$0$0$10,813,134
92$12,944,844$0$0$11,832,260
93$14,170,091$0$0$12,952,697
94$15,517,317$0$0$14,184,695
95$16,998,869$0$0$15,539,548
96$18,628,351$0$0$17,029,698
97$20,420,752$0$0$18,668,855
98$22,392,585$0$0$20,472,122
99$24,562,047$0$0$22,456,143
100$26,949,184$0$0$24,639,254