Can I retire at age 52 with 570,000?

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 $570,000?

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$47,070$46,651$46,242$45,842$45,453$44,829
2 years$23,302$22,868$22,447$22,040$21,644$21,017
3 years$15,380$14,945$14,525$14,121$13,732$13,121
4 years$11,420$10,986$10,570$10,173$9,794$9,203
5 years$9,045$8,613$8,203$7,814$7,445$6,877
6 years$7,462$7,033$6,629$6,249$5,891$5,346
7 years$6,331$5,906$5,509$5,138$4,791$4,269
8 years$5,484$5,063$4,672$4,310$3,975$3,476
9 years$4,825$4,408$4,024$3,671$3,347$2,871
10 years$4,299$3,886$3,508$3,164$2,852$2,399
11 years$3,868$3,459$3,089$2,754$2,453$2,022
12 years$3,510$3,105$2,741$2,416$2,126$1,716
13 years$3,206$2,806$2,449$2,133$1,853$1,465
14 years$2,947$2,550$2,200$1,893$1,625$1,257
15 years$2,722$2,330$1,987$1,688$1,431$1,082
16 years$2,525$2,138$1,801$1,512$1,264$935
17 years$2,352$1,969$1,639$1,358$1,121$811
18 years$2,198$1,819$1,496$1,224$997$704
19 years$2,061$1,686$1,370$1,106$888$613
20 years$1,937$1,567$1,257$1,002$794$535
21 years$1,826$1,459$1,156$909$710$467
22 years$1,724$1,362$1,066$827$637$408
23 years$1,632$1,274$984$753$571$358
24 years$1,547$1,194$910$687$514$313
25 years$1,470$1,120$843$627$462$275
26 years$1,398$1,053$782$573$416$241
27 years$1,332$991$726$525$375$212
28 years$1,270$934$675$481$339$186
29 years$1,213$881$628$441$306$164
30 years$1,160$832$585$405$276$144
31 years$1,111$786$545$372$250$127
32 years$1,064$744$509$342$226$112
33 years$1,021$705$475$314$205$98
34 years$980$668$444$289$185$87
35 years$942$633$415$266$168$76
36 years$905$601$388$245$152$67
37 years$871$571$363$226$138$59
38 years$839$543$340$208$125$52
39 years$808$516$319$192$113$46
40 years$779$491$299$177$103$41
41 years$752$467$280$163$93$36
42 years$726$445$263$151$85$32
43 years$701$424$247$139$77$28
44 years$677$404$231$128$70$25
45 years$655$385$217$119$63$22
46 years$633$368$204$110$57$19
47 years$613$351$192$101$52$17
48 years$593$335$180$94$47$15
49 years$574$320$169$86$43$13
50 years$557$306$159$80$39$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $570,000, adding $4,529 every year, while hoping to spend $42,751 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: 50/23/27 Blend
51$570,000$570,000$570,000$570,000
52$632,812$602,602$593,767$659,423
53$651,872$586,642$568,171$662,510
54$671,443$568,468$540,285$661,229
55$691,533$547,926$509,987$658,993
56$712,147$524,852$477,150$655,731
57$733,291$499,075$441,640$651,365
58$754,970$470,413$403,318$645,817
59$777,188$438,674$362,039$639,002
60$799,945$403,653$317,652$630,829
61$823,243$365,136$269,997$621,202
62$847,082$322,895$218,910$610,021
63$871,458$276,691$164,217$597,178
64$896,366$226,268$105,738$582,558
65$921,800$171,360$43,284$566,040
66$947,749$111,682$0$547,497
67$974,200$46,935$0$533,522
68$1,001,138$0$0$530,985
69$1,028,542$0$0$533,181
70$1,056,387$0$0$547,467
71$1,084,645$0$0$561,947
72$1,113,282$0$0$576,601
73$1,142,256$0$0$591,407
74$1,171,522$0$0$606,336
75$1,201,024$0$0$621,358
76$1,230,701$0$0$636,437
77$1,260,481$0$0$651,532
78$1,290,282$0$0$666,599
79$1,320,012$0$0$681,583
80$1,349,565$0$0$696,426
81$1,378,822$0$0$711,060
82$1,407,649$0$0$725,410
83$1,435,894$0$0$739,392
84$1,463,387$0$0$752,909
85$1,489,936$0$0$765,856
86$1,515,329$0$0$778,111
87$1,539,324$0$0$789,542
88$1,561,653$0$0$799,999
89$1,582,018$0$0$809,315
90$1,600,084$0$0$817,304
91$1,615,478$0$0$823,760
92$1,627,787$0$0$828,451
93$1,636,548$0$0$831,122
94$1,641,249$0$0$831,488
95$1,641,319$0$0$829,232
96$1,636,125$0$0$824,004
97$1,624,964$0$0$815,413
98$1,607,057$0$0$803,028
99$1,581,538$0$0$786,369
100$1,547,448$0$0$764,907