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%18.9%
1 years$46,822$46,405$45,998$45,601$45,213$43,592
2 years$23,179$22,748$22,329$21,924$21,530$19,914
3 years$15,299$14,866$14,449$14,047$13,660$12,100
4 years$11,360$10,928$10,515$10,120$9,742$8,250
5 years$8,997$8,568$8,160$7,773$7,406$5,986
6 years$7,423$6,996$6,594$6,216$5,860$4,513
7 years$6,298$5,875$5,480$5,111$4,766$3,492
8 years$5,455$5,036$4,647$4,287$3,954$2,751
9 years$4,800$4,385$4,003$3,652$3,330$2,197
10 years$4,276$3,865$3,490$3,148$2,837$1,773
11 years$3,848$3,441$3,072$2,740$2,440$1,442
12 years$3,491$3,088$2,727$2,403$2,114$1,180
13 years$3,189$2,791$2,436$2,121$1,844$970
14 years$2,931$2,537$2,189$1,883$1,616$801
15 years$2,708$2,318$1,976$1,679$1,423$663
16 years$2,512$2,126$1,792$1,504$1,258$551
17 years$2,340$1,958$1,630$1,351$1,115$458
18 years$2,187$1,809$1,488$1,218$992$382
19 years$2,050$1,677$1,363$1,100$884$319
20 years$1,927$1,558$1,250$996$789$267
21 years$1,816$1,452$1,150$904$706$223
22 years$1,715$1,355$1,060$822$633$187
23 years$1,623$1,267$979$749$568$157
24 years$1,539$1,187$905$683$511$131
25 years$1,462$1,114$838$624$460$110
26 years$1,391$1,047$778$570$414$92
27 years$1,325$986$722$522$373$78
28 years$1,264$929$671$478$337$65
29 years$1,207$876$625$439$304$55
30 years$1,154$827$582$403$275$46
31 years$1,105$782$542$370$249$39
32 years$1,059$740$506$340$225$32
33 years$1,015$701$473$312$203$27
34 years$975$664$442$287$184$23
35 years$937$630$413$265$167$19
36 years$901$598$386$244$151$16
37 years$867$568$361$225$137$14
38 years$834$540$338$207$124$11
39 years$804$513$317$191$113$10
40 years$775$488$297$176$102$8
41 years$748$465$279$162$93$7
42 years$722$443$261$150$84$6
43 years$697$422$245$138$76$5
44 years$674$402$230$128$69$4
45 years$651$383$216$118$63$3
46 years$630$366$203$109$57$3
47 years$610$349$191$101$52$2
48 years$590$333$179$93$47$2
49 years$571$318$169$86$43$2
50 years$554$304$158$79$39$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $567,000, adding $6,051 every year, while hoping to spend $41,208 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: 41/35/24 Blend
51$567,000$567,000$567,000$567,000
52$631,076$601,025$592,236$652,279
53$651,600$586,630$568,231$653,669
54$672,837$570,149$542,041$650,810
55$694,816$551,435$513,548$646,898
56$717,567$530,335$482,632$641,860
57$741,123$506,686$449,164$635,621
58$765,518$480,314$413,012$628,098
59$790,788$451,037$374,035$619,207
60$816,973$418,662$332,089$608,858
61$844,112$382,984$287,022$596,958
62$872,250$343,788$238,676$583,407
63$901,431$300,846$186,884$568,101
64$931,706$253,917$131,473$550,932
65$963,127$202,745$72,264$531,785
66$995,748$147,062$9,067$510,539
67$1,029,630$86,583$0$487,068
68$1,064,836$21,009$0$476,189
69$1,101,433$0$0$466,263
70$1,139,495$0$0$474,125
71$1,179,099$0$0$490,737
72$1,220,329$0$0$508,042
73$1,263,275$0$0$526,081
74$1,308,034$0$0$544,896
75$1,354,709$0$0$564,533
76$1,403,412$0$0$585,040
77$1,454,264$0$0$606,471
78$1,507,396$0$0$628,883
79$1,562,948$0$0$652,339
80$1,621,074$0$0$676,905
81$1,681,937$0$0$702,656
82$1,745,717$0$0$729,669
83$1,812,608$0$0$758,030
84$1,882,820$0$0$787,833
85$1,956,581$0$0$819,180
86$2,034,139$0$0$852,180
87$2,115,765$0$0$886,953
88$2,201,753$0$0$923,631
89$2,292,422$0$0$962,355
90$2,388,121$0$0$1,003,282
91$2,489,231$0$0$1,046,580
92$2,596,165$0$0$1,092,435
93$2,709,377$0$0$1,141,049
94$2,829,362$0$0$1,192,642
95$2,956,659$0$0$1,247,458
96$3,091,860$0$0$1,305,759
97$3,235,611$0$0$1,367,835
98$3,388,618$0$0$1,434,003
99$3,551,655$0$0$1,504,610
100$3,725,570$0$0$1,580,035