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%16.3%
1 years$46,822$46,405$45,998$45,601$45,213$44,049
2 years$23,179$22,748$22,329$21,924$21,530$20,365
3 years$15,299$14,866$14,449$14,047$13,660$12,530
4 years$11,360$10,928$10,515$10,120$9,742$8,656
5 years$8,997$8,568$8,160$7,773$7,406$6,367
6 years$7,423$6,996$6,594$6,216$5,860$4,870
7 years$6,298$5,875$5,480$5,111$4,766$3,824
8 years$5,455$5,036$4,647$4,287$3,954$3,059
9 years$4,800$4,385$4,003$3,652$3,330$2,482
10 years$4,276$3,865$3,490$3,148$2,837$2,036
11 years$3,848$3,441$3,072$2,740$2,440$1,684
12 years$3,491$3,088$2,727$2,403$2,114$1,402
13 years$3,189$2,791$2,436$2,121$1,844$1,173
14 years$2,931$2,537$2,189$1,883$1,616$986
15 years$2,708$2,318$1,976$1,679$1,423$832
16 years$2,512$2,126$1,792$1,504$1,258$704
17 years$2,340$1,958$1,630$1,351$1,115$597
18 years$2,187$1,809$1,488$1,218$992$507
19 years$2,050$1,677$1,363$1,100$884$432
20 years$1,927$1,558$1,250$996$789$368
21 years$1,816$1,452$1,150$904$706$314
22 years$1,715$1,355$1,060$822$633$269
23 years$1,623$1,267$979$749$568$230
24 years$1,539$1,187$905$683$511$197
25 years$1,462$1,114$838$624$460$169
26 years$1,391$1,047$778$570$414$144
27 years$1,325$986$722$522$373$124
28 years$1,264$929$671$478$337$106
29 years$1,207$876$625$439$304$91
30 years$1,154$827$582$403$275$78
31 years$1,105$782$542$370$249$67
32 years$1,059$740$506$340$225$58
33 years$1,015$701$473$312$203$50
34 years$975$664$442$287$184$43
35 years$937$630$413$265$167$37
36 years$901$598$386$244$151$31
37 years$867$568$361$225$137$27
38 years$834$540$338$207$124$23
39 years$804$513$317$191$113$20
40 years$775$488$297$176$102$17
41 years$748$465$279$162$93$15
42 years$722$443$261$150$84$13
43 years$697$422$245$138$76$11
44 years$674$402$230$128$69$9
45 years$651$383$216$118$63$8
46 years$630$366$203$109$57$7
47 years$610$349$191$101$52$6
48 years$590$333$179$93$47$5
49 years$571$318$169$86$43$4
50 years$554$304$158$79$39$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $567,000, adding $4,088 every year, while hoping to spend $32,111 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: 34/46/20 Blend
51$567,000$567,000$567,000$567,000
52$629,051$599,000$590,211$646,461
53$659,048$594,185$575,817$654,855
54$691,029$588,058$559,865$660,653
55$725,162$580,521$542,269$666,238
56$761,631$571,469$522,937$671,612
57$800,639$560,792$501,777$676,778
58$842,407$548,374$478,690$681,741
59$887,179$534,091$453,572$686,512
60$935,221$517,811$426,317$691,107
61$986,827$499,397$396,812$695,543
62$1,042,317$478,701$364,939$699,848
63$1,102,044$455,568$330,575$704,052
64$1,166,396$429,835$293,592$708,195
65$1,235,798$401,326$253,857$712,325
66$1,310,717$369,859$211,230$716,501
67$1,391,668$335,240$165,563$720,790
68$1,479,214$297,262$116,706$725,273
69$1,573,976$255,710$64,497$730,046
70$1,676,636$210,355$8,773$735,220
71$1,787,944$160,953$0$740,922
72$1,908,724$107,250$0$758,120
73$2,039,885$48,976$0$778,866
74$2,182,422$0$0$801,523
75$2,337,434$0$0$833,521
76$2,506,128$0$0$895,396
77$2,689,832$0$0$962,853
78$2,890,009$0$0$1,036,438
79$3,108,267$0$0$1,116,754
80$3,346,376$0$0$1,204,462
81$3,606,287$0$0$1,300,290
82$3,890,143$0$0$1,405,042
83$4,200,308$0$0$1,519,600
84$4,539,380$0$0$1,644,937
85$4,910,223$0$0$1,782,124
86$5,315,988$0$0$1,932,341
87$5,760,147$0$0$2,096,885
88$6,246,520$0$0$2,277,188
89$6,779,317$0$0$2,474,824
90$7,363,173$0$0$2,691,527
91$8,003,191$0$0$2,929,209
92$8,704,993$0$0$3,189,973
93$9,474,772$0$0$3,476,138
94$10,319,347$0$0$3,790,257
95$11,246,231$0$0$4,135,141
96$12,263,697$0$0$4,513,890
97$13,380,862$0$0$4,929,915
98$14,607,764$0$0$5,386,977
99$15,955,465$0$0$5,889,216
100$17,436,149$0$0$6,441,196