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%18.5%
1 years$47,070$46,651$46,242$45,842$45,453$43,892
2 years$23,302$22,868$22,447$22,040$21,644$20,088
3 years$15,380$14,945$14,525$14,121$13,732$12,229
4 years$11,420$10,986$10,570$10,173$9,794$8,355
5 years$9,045$8,613$8,203$7,814$7,445$6,075
6 years$7,462$7,033$6,629$6,249$5,891$4,590
7 years$6,331$5,906$5,509$5,138$4,791$3,560
8 years$5,484$5,063$4,672$4,310$3,975$2,811
9 years$4,825$4,408$4,024$3,671$3,347$2,251
10 years$4,299$3,886$3,508$3,164$2,852$1,821
11 years$3,868$3,459$3,089$2,754$2,453$1,484
12 years$3,510$3,105$2,741$2,416$2,126$1,218
13 years$3,206$2,806$2,449$2,133$1,853$1,004
14 years$2,947$2,550$2,200$1,893$1,625$831
15 years$2,722$2,330$1,987$1,688$1,431$691
16 years$2,525$2,138$1,801$1,512$1,264$575
17 years$2,352$1,969$1,639$1,358$1,121$480
18 years$2,198$1,819$1,496$1,224$997$401
19 years$2,061$1,686$1,370$1,106$888$336
20 years$1,937$1,567$1,257$1,002$794$282
21 years$1,826$1,459$1,156$909$710$237
22 years$1,724$1,362$1,066$827$637$199
23 years$1,632$1,274$984$753$571$167
24 years$1,547$1,194$910$687$514$141
25 years$1,470$1,120$843$627$462$118
26 years$1,398$1,053$782$573$416$100
27 years$1,332$991$726$525$375$84
28 years$1,270$934$675$481$339$71
29 years$1,213$881$628$441$306$60
30 years$1,160$832$585$405$276$50
31 years$1,111$786$545$372$250$42
32 years$1,064$744$509$342$226$36
33 years$1,021$705$475$314$205$30
34 years$980$668$444$289$185$25
35 years$942$633$415$266$168$21
36 years$905$601$388$245$152$18
37 years$871$571$363$226$138$15
38 years$839$543$340$208$125$13
39 years$808$516$319$192$113$11
40 years$779$491$299$177$103$9
41 years$752$467$280$163$93$8
42 years$726$445$263$151$85$7
43 years$701$424$247$139$77$5
44 years$677$404$231$128$70$5
45 years$655$385$217$119$63$4
46 years$633$368$204$110$57$3
47 years$613$351$192$101$52$3
48 years$593$335$180$94$47$2
49 years$574$320$169$86$43$2
50 years$557$306$159$80$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $570,000, adding $2,648 every year, while hoping to spend $30,397 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: 80/10/10 Blend
51$570,000$570,000$570,000$570,000
52$630,871$600,661$591,826$680,105
53$662,878$597,752$579,310$709,875
54$697,131$593,681$565,356$738,295
55$733,826$588,359$549,884$768,583
56$773,181$581,693$532,809$800,911
57$815,431$573,582$514,045$835,469
58$860,838$563,920$493,498$872,466
59$909,687$552,595$471,073$912,133
60$962,291$539,488$446,670$954,722
61$1,018,994$524,474$420,183$1,000,513
62$1,080,176$507,417$391,504$1,049,815
63$1,146,252$488,178$360,517$1,102,968
64$1,217,678$466,607$327,103$1,160,346
65$1,294,957$442,547$291,136$1,222,362
66$1,378,640$415,829$252,487$1,289,473
67$1,469,333$386,277$211,018$1,362,179
68$1,567,705$353,705$166,587$1,441,037
69$1,674,489$317,914$119,045$1,526,655
70$1,790,491$278,696$68,237$1,619,708
71$1,916,600$235,830$14,002$1,720,938
72$2,053,791$189,084$0$1,831,165
73$2,203,139$138,210$0$1,955,973
74$2,365,826$82,950$0$2,093,576
75$2,543,153$23,027$0$2,243,595
76$2,736,552$0$0$2,407,263
77$2,947,598$0$0$2,590,542
78$3,178,027$0$0$2,793,434
79$3,429,747$0$0$3,015,088
80$3,704,861$0$0$3,257,359
81$4,005,683$0$0$3,522,285
82$4,334,761$0$0$3,812,112
83$4,694,900$0$0$4,129,315
84$5,089,191$0$0$4,476,615
85$5,521,035$0$0$4,857,013
86$5,994,178$0$0$5,273,811
87$6,512,747$0$0$5,730,645
88$7,081,285$0$0$6,231,523
89$7,704,798$0$0$6,780,854
90$8,388,797$0$0$7,383,500
91$9,139,355$0$0$8,044,812
92$9,963,159$0$0$8,770,686
93$10,867,577$0$0$9,567,616
94$11,860,722$0$0$10,442,756
95$12,951,535$0$0$11,403,986
96$14,149,863$0$0$12,459,988
97$15,466,554$0$0$13,620,325
98$16,913,560$0$0$14,895,534
99$18,504,048$0$0$16,297,221
100$20,252,522$0$0$17,838,173