Can I retire at age 52 with 569,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $569,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$46,987$46,569$46,161$45,762$45,373$43,573
2 years$23,261$22,828$22,408$22,001$21,606$19,815
3 years$15,353$14,918$14,499$14,096$13,708$11,982
4 years$11,400$10,967$10,552$10,156$9,777$8,129
5 years$9,029$8,598$8,189$7,800$7,432$5,867
6 years$7,449$7,021$6,618$6,238$5,881$4,399
7 years$6,320$5,896$5,499$5,129$4,783$3,384
8 years$5,475$5,054$4,664$4,302$3,968$2,651
9 years$4,817$4,400$4,017$3,665$3,341$2,104
10 years$4,291$3,879$3,502$3,159$2,847$1,687
11 years$3,861$3,453$3,083$2,749$2,448$1,363
12 years$3,503$3,099$2,736$2,411$2,122$1,108
13 years$3,201$2,801$2,445$2,129$1,850$905
14 years$2,942$2,546$2,197$1,890$1,622$742
15 years$2,717$2,326$1,983$1,685$1,428$610
16 years$2,521$2,134$1,798$1,509$1,262$503
17 years$2,348$1,965$1,636$1,356$1,119$415
18 years$2,194$1,816$1,494$1,222$995$344
19 years$2,057$1,683$1,367$1,104$887$285
20 years$1,934$1,564$1,255$1,000$792$236
21 years$1,822$1,457$1,154$908$709$196
22 years$1,721$1,360$1,064$825$635$163
23 years$1,629$1,272$982$752$570$136
24 years$1,545$1,192$908$685$513$113
25 years$1,467$1,118$841$626$461$94
26 years$1,395$1,051$780$572$416$78
27 years$1,329$989$725$524$375$65
28 years$1,268$932$674$480$338$54
29 years$1,211$879$627$440$305$45
30 years$1,158$830$584$404$276$38
31 years$1,109$785$544$371$249$31
32 years$1,062$743$508$341$226$26
33 years$1,019$703$474$314$204$22
34 years$978$667$443$288$185$18
35 years$940$632$414$266$167$15
36 years$904$600$388$245$152$13
37 years$870$570$363$225$137$11
38 years$837$542$340$208$125$9
39 years$807$515$318$192$113$7
40 years$778$490$298$177$103$6
41 years$750$466$280$163$93$5
42 years$724$444$262$150$84$4
43 years$700$423$246$139$77$4
44 years$676$403$231$128$70$3
45 years$654$385$217$118$63$2
46 years$632$367$204$109$57$2
47 years$612$350$191$101$52$2
48 years$592$334$180$93$47$1
49 years$573$319$169$86$43$1
50 years$556$305$159$80$39$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $569,000, adding $3,105 every year, while hoping to spend $36,718 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: 57/36/7 Blend
51$569,000$569,000$569,000$569,000
52$630,241$600,084$591,264$665,020
53$655,458$590,420$572,004$679,119
54$682,016$579,053$550,868$690,076
55$710,014$565,858$527,754$701,107
56$739,558$550,708$502,557$712,223
57$770,766$533,465$475,165$723,438
58$803,763$513,984$445,462$734,768
59$838,689$492,112$413,327$746,234
60$875,695$467,685$378,633$757,860
61$914,946$440,532$341,248$769,676
62$956,624$410,472$301,034$781,718
63$1,000,927$377,312$257,845$794,026
64$1,048,070$340,848$211,531$806,649
65$1,098,291$300,868$161,935$819,643
66$1,151,848$257,142$108,892$833,075
67$1,209,027$209,432$52,230$847,019
68$1,270,139$157,485$0$861,562
69$1,335,524$101,033$0$877,421
70$1,405,557$39,793$0$898,297
71$1,480,648$0$0$920,429
72$1,561,248$0$0$954,494
73$1,647,851$0$0$1,008,068
74$1,740,999$0$0$1,065,727
75$1,841,288$0$0$1,127,845
76$1,949,372$0$0$1,194,831
77$2,065,969$0$0$1,267,136
78$2,191,868$0$0$1,345,255
79$2,327,936$0$0$1,429,731
80$2,475,128$0$0$1,521,163
81$2,634,489$0$0$1,620,207
82$2,807,173$0$0$1,727,586
83$2,994,446$0$0$1,844,095
84$3,197,700$0$0$1,970,607
85$3,418,467$0$0$2,108,082
86$3,658,432$0$0$2,257,580
87$3,919,450$0$0$2,420,262
88$4,203,558$0$0$2,597,408
89$4,513,002$0$0$2,790,427
90$4,850,250$0$0$3,000,869
91$5,218,021$0$0$3,230,439
92$5,619,306$0$0$3,481,014
93$6,057,397$0$0$3,754,663
94$6,535,917$0$0$4,053,659
95$7,058,858$0$0$4,380,507
96$7,630,612$0$0$4,737,964
97$8,256,015$0$0$5,129,068
98$8,940,391$0$0$5,557,161
99$9,689,606$0$0$6,025,925
100$10,510,115$0$0$6,539,414