Can I retire at age 52 with 572,000?

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 $572,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$47,235$46,814$46,404$46,003$45,612$43,959
2 years$23,384$22,948$22,526$22,117$21,720$20,072
3 years$15,434$14,997$14,576$14,171$13,780$12,190
4 years$11,460$11,024$10,608$10,209$9,828$8,308
5 years$9,077$8,643$8,232$7,842$7,471$6,025
6 years$7,488$7,058$6,653$6,271$5,912$4,540
7 years$6,354$5,927$5,528$5,156$4,808$3,510
8 years$5,503$5,081$4,688$4,325$3,989$2,764
9 years$4,842$4,424$4,038$3,684$3,359$2,206
10 years$4,314$3,899$3,521$3,176$2,862$1,779
11 years$3,882$3,471$3,099$2,764$2,461$1,446
12 years$3,522$3,116$2,751$2,424$2,133$1,182
13 years$3,218$2,816$2,458$2,140$1,860$972
14 years$2,957$2,559$2,208$1,900$1,630$802
15 years$2,731$2,338$1,994$1,694$1,436$663
16 years$2,534$2,145$1,808$1,517$1,269$551
17 years$2,360$1,976$1,645$1,363$1,125$458
18 years$2,206$1,825$1,501$1,228$1,000$381
19 years$2,068$1,692$1,375$1,110$892$318
20 years$1,944$1,572$1,261$1,005$796$266
21 years$1,832$1,464$1,160$912$713$222
22 years$1,730$1,367$1,069$830$639$186
23 years$1,638$1,278$987$755$573$156
24 years$1,553$1,198$913$689$515$130
25 years$1,475$1,124$846$629$464$109
26 years$1,403$1,056$784$575$418$92
27 years$1,336$994$728$527$377$77
28 years$1,275$937$677$483$340$65
29 years$1,218$884$630$442$307$54
30 years$1,164$835$587$406$277$45
31 years$1,115$789$547$373$251$38
32 years$1,068$747$511$343$227$32
33 years$1,024$707$477$315$205$27
34 years$983$670$445$290$186$23
35 years$945$636$416$267$168$19
36 years$908$603$390$246$152$16
37 years$874$573$365$227$138$13
38 years$842$545$341$209$125$11
39 years$811$518$320$193$114$9
40 years$782$493$300$178$103$8
41 years$754$469$281$164$93$7
42 years$728$447$264$151$85$6
43 years$703$426$247$140$77$5
44 years$680$406$232$129$70$4
45 years$657$387$218$119$63$3
46 years$635$369$205$110$58$3
47 years$615$352$192$102$52$2
48 years$595$336$181$94$48$2
49 years$576$321$170$87$43$2
50 years$558$307$160$80$39$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $572,000, adding $3,655 every year, while hoping to spend $38,236 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: 60/27/13 Blend
51$572,000$572,000$572,000$572,000
52$634,114$603,798$594,932$669,925
53$658,111$592,701$574,180$683,363
54$683,274$579,779$551,450$693,388
55$709,682$564,902$526,638$703,406
56$737,420$547,933$499,630$713,418
57$766,580$528,726$470,312$723,431
58$797,264$507,126$438,560$733,450
59$829,582$482,972$404,249$743,485
60$863,652$456,091$367,244$753,549
61$899,606$426,300$327,407$763,657
62$937,584$393,407$284,594$773,829
63$977,742$357,208$238,652$784,089
64$1,020,248$317,488$189,424$794,468
65$1,065,287$274,019$136,743$805,001
66$1,113,062$226,561$80,439$815,729
67$1,163,791$174,859$20,331$826,704
68$1,217,716$118,646$0$837,981
69$1,275,102$57,638$0$855,709
70$1,336,235$0$0$877,291
71$1,401,433$0$0$902,540
72$1,471,042$0$0$947,806
73$1,545,440$0$0$996,216
74$1,625,045$0$0$1,048,043
75$1,710,311$0$0$1,103,588
76$1,801,739$0$0$1,163,181
77$1,899,877$0$0$1,227,184
78$2,005,327$0$0$1,295,994
79$2,118,751$0$0$1,370,047
80$2,240,874$0$0$1,449,822
81$2,372,493$0$0$1,535,846
82$2,514,483$0$0$1,628,695
83$2,667,806$0$0$1,729,005
84$2,833,518$0$0$1,837,473
85$3,012,782$0$0$1,954,866
86$3,206,873$0$0$2,082,028
87$3,417,195$0$0$2,219,884
88$3,645,291$0$0$2,369,455
89$3,892,859$0$0$2,531,862
90$4,161,764$0$0$2,708,336
91$4,454,061$0$0$2,900,235
92$4,772,008$0$0$3,109,050
93$5,118,090$0$0$3,336,424
94$5,495,041$0$0$3,584,163
95$5,905,871$0$0$3,854,255
96$6,353,890$0$0$4,148,889
97$6,842,745$0$0$4,470,472
98$7,376,448$0$0$4,821,657
99$7,959,413$0$0$5,205,360
100$8,596,504$0$0$5,624,797