Can I retire at age 52 with 567,000?

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 $567,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$46,822$46,405$45,998$45,601$45,213$44,966
2 years$23,179$22,748$22,329$21,924$21,530$21,281
3 years$15,299$14,866$14,449$14,047$13,660$13,416
4 years$11,360$10,928$10,515$10,120$9,742$9,506
5 years$8,997$8,568$8,160$7,773$7,406$7,177
6 years$7,423$6,996$6,594$6,216$5,860$5,640
7 years$6,298$5,875$5,480$5,111$4,766$4,554
8 years$5,455$5,036$4,647$4,287$3,954$3,750
9 years$4,800$4,385$4,003$3,652$3,330$3,135
10 years$4,276$3,865$3,490$3,148$2,837$2,650
11 years$3,848$3,441$3,072$2,740$2,440$2,262
12 years$3,491$3,088$2,727$2,403$2,114$1,944
13 years$3,189$2,791$2,436$2,121$1,844$1,681
14 years$2,931$2,537$2,189$1,883$1,616$1,462
15 years$2,708$2,318$1,976$1,679$1,423$1,276
16 years$2,512$2,126$1,792$1,504$1,258$1,118
17 years$2,340$1,958$1,630$1,351$1,115$982
18 years$2,187$1,809$1,488$1,218$992$866
19 years$2,050$1,677$1,363$1,100$884$765
20 years$1,927$1,558$1,250$996$789$677
21 years$1,816$1,452$1,150$904$706$600
22 years$1,715$1,355$1,060$822$633$533
23 years$1,623$1,267$979$749$568$473
24 years$1,539$1,187$905$683$511$421
25 years$1,462$1,114$838$624$460$375
26 years$1,391$1,047$778$570$414$335
27 years$1,325$986$722$522$373$299
28 years$1,264$929$671$478$337$267
29 years$1,207$876$625$439$304$239
30 years$1,154$827$582$403$275$213
31 years$1,105$782$542$370$249$191
32 years$1,059$740$506$340$225$171
33 years$1,015$701$473$312$203$153
34 years$975$664$442$287$184$137
35 years$937$630$413$265$167$123
36 years$901$598$386$244$151$110
37 years$867$568$361$225$137$99
38 years$834$540$338$207$124$88
39 years$804$513$317$191$113$79
40 years$775$488$297$176$102$71
41 years$748$465$279$162$93$64
42 years$722$443$261$150$84$57
43 years$697$422$245$138$76$51
44 years$674$402$230$128$69$46
45 years$651$383$216$118$63$41
46 years$630$366$203$109$57$37
47 years$610$349$191$101$52$33
48 years$590$333$179$93$47$30
49 years$571$318$169$86$43$27
50 years$554$304$158$79$39$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $567,000, adding $5,884 every year, while hoping to spend $25,562 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: 39/43/18 Blend
51$567,000$567,000$567,000$567,000
52$630,903$600,852$592,064$651,912
53$668,058$603,096$584,700$669,747
54$708,145$604,594$576,233$686,134
55$751,438$605,280$566,599$703,316
56$798,235$605,089$555,730$721,382
57$848,864$603,949$543,557$740,425
58$903,689$601,782$530,006$760,554
59$963,105$598,509$515,001$781,889
60$1,027,549$594,044$498,461$804,564
61$1,097,502$588,295$480,303$828,729
62$1,173,493$581,167$460,438$854,551
63$1,256,102$572,557$438,776$882,216
64$1,345,968$562,357$415,219$911,934
65$1,443,796$550,451$389,668$943,936
66$1,550,360$536,720$362,019$978,481
67$1,666,511$521,033$332,160$1,015,855
68$1,793,187$503,256$299,979$1,056,381
69$1,931,419$483,243$265,356$1,100,413
70$2,082,344$460,842$228,166$1,148,349
71$2,247,212$435,892$188,278$1,200,629
72$2,427,399$408,222$145,557$1,257,741
73$2,624,421$377,652$99,860$1,320,230
74$2,839,946$343,991$51,039$1,388,700
75$3,075,811$307,037$0$1,463,819
76$3,334,040$266,578$0$1,546,535
77$3,616,859$222,388$0$1,647,944
78$3,926,723$174,228$0$1,759,180
79$4,266,332$121,849$0$1,881,289
80$4,638,663$64,985$0$2,015,431
81$5,046,992$3,355$0$2,162,887
82$5,494,929$0$0$2,325,075
83$5,986,450$0$0$2,533,533
84$6,525,934$0$0$2,764,154
85$7,118,204$0$0$3,017,422
86$7,768,574$0$0$3,295,620
87$8,482,898$0$0$3,601,263
88$9,267,624$0$0$3,937,120
89$10,129,855$0$0$4,306,243
90$11,077,417$0$0$4,711,994
91$12,118,932$0$0$5,158,077
92$13,263,897$0$0$5,648,573
93$14,522,776$0$0$6,187,977
94$15,907,100$0$0$6,781,242
95$17,429,568$0$0$7,433,826
96$19,104,177$0$0$8,151,742
97$20,946,345$0$0$8,941,615
98$22,973,060$0$0$9,810,745
99$25,203,041$0$0$10,767,174
100$27,656,913$0$0$11,819,764