Can I retire at age 52 with 565,000?

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 $565,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$46,657$46,242$45,836$45,440$45,054$44,436
2 years$23,098$22,667$22,251$21,846$21,454$20,832
3 years$15,245$14,813$14,398$13,997$13,611$13,005
4 years$11,320$10,889$10,478$10,084$9,708$9,122
5 years$8,966$8,537$8,131$7,746$7,380$6,816
6 years$7,396$6,971$6,571$6,194$5,839$5,299
7 years$6,276$5,855$5,461$5,093$4,749$4,231
8 years$5,436$5,018$4,631$4,272$3,940$3,445
9 years$4,783$4,370$3,989$3,639$3,318$2,846
10 years$4,261$3,852$3,477$3,137$2,827$2,378
11 years$3,834$3,429$3,062$2,730$2,431$2,004
12 years$3,479$3,077$2,717$2,394$2,107$1,701
13 years$3,178$2,781$2,427$2,114$1,837$1,452
14 years$2,921$2,528$2,181$1,877$1,611$1,246
15 years$2,698$2,309$1,969$1,674$1,418$1,073
16 years$2,503$2,119$1,785$1,498$1,253$927
17 years$2,331$1,951$1,625$1,346$1,111$804
18 years$2,179$1,803$1,483$1,213$988$698
19 years$2,043$1,671$1,358$1,096$881$608
20 years$1,920$1,553$1,246$993$787$530
21 years$1,810$1,446$1,146$901$704$463
22 years$1,709$1,350$1,056$819$631$405
23 years$1,618$1,263$975$746$566$354
24 years$1,534$1,183$902$681$509$311
25 years$1,457$1,110$835$622$458$273
26 years$1,386$1,044$775$568$413$239
27 years$1,320$982$719$520$372$210
28 years$1,259$925$669$477$336$185
29 years$1,203$873$622$437$303$162
30 years$1,150$824$580$401$274$143
31 years$1,101$779$541$368$248$126
32 years$1,055$737$504$339$224$111
33 years$1,012$698$471$311$203$98
34 years$971$662$440$286$184$86
35 years$933$628$411$264$166$76
36 years$897$596$385$243$151$67
37 years$863$566$360$224$137$59
38 years$831$538$337$206$124$52
39 years$801$511$316$190$112$46
40 years$772$487$296$175$102$40
41 years$745$463$278$162$92$36
42 years$719$441$261$149$84$31
43 years$695$420$244$138$76$28
44 years$671$401$229$127$69$24
45 years$649$382$215$118$63$22
46 years$628$364$202$109$57$19
47 years$607$348$190$100$52$17
48 years$588$332$179$93$47$15
49 years$569$317$168$86$43$13
50 years$552$303$158$79$39$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $565,000, adding $3,981 every year, while hoping to spend $22,901 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: 40/49/11 Blend
51$565,000$565,000$565,000$565,000
52$626,736$596,791$588,034$649,592
53$666,297$601,668$583,367$670,956
54$709,125$606,015$577,775$691,486
55$755,530$609,784$571,205$713,186
56$805,852$612,921$563,598$736,172
57$860,464$615,370$554,894$760,571
58$919,778$617,069$545,029$786,528
59$984,245$617,956$533,937$814,202
60$1,054,363$617,961$521,550$843,767
61$1,130,680$617,013$507,793$875,422
62$1,213,798$615,034$492,593$909,383
63$1,304,379$611,945$475,868$945,891
64$1,403,152$607,657$457,536$985,214
65$1,510,921$602,079$437,511$1,027,649
66$1,628,568$595,115$415,701$1,073,525
67$1,757,067$586,660$392,012$1,123,207
68$1,897,488$576,606$366,345$1,177,100
69$2,051,010$564,838$338,595$1,235,652
70$2,218,930$551,232$308,655$1,299,360
71$2,402,678$535,659$276,412$1,368,775
72$2,603,826$517,982$241,747$1,444,506
73$2,824,108$498,055$204,537$1,527,228
74$3,065,432$475,724$164,654$1,617,689
75$3,329,898$450,827$121,962$1,716,716
76$3,619,821$423,191$76,321$1,825,224
77$3,937,751$392,635$27,586$1,944,228
78$4,286,493$358,966$0$2,074,848
79$4,669,140$321,980$0$2,221,192
80$5,089,098$281,463$0$2,385,406
81$5,550,119$237,188$0$2,565,785
82$6,056,335$188,913$0$2,764,029
83$6,612,298$136,387$0$2,982,013
84$7,223,023$79,341$0$3,221,811
85$7,894,035$17,492$0$3,485,711
86$8,631,419$0$0$3,776,243
87$9,441,880$0$0$4,122,868
88$10,332,805$0$0$4,514,356
89$11,312,332$0$0$4,944,861
90$12,389,426$0$0$5,418,333
91$13,573,966$0$0$5,939,126
92$14,876,835$0$0$6,512,036
93$16,310,024$0$0$7,142,347
94$17,886,744$0$0$7,835,881
95$19,621,552$0$0$8,599,054
96$21,530,487$0$0$9,438,933
97$23,631,221$0$0$10,363,308
98$25,943,225$0$0$11,380,759
99$28,487,955$0$0$12,500,743
100$31,289,050$0$0$13,733,679