Can I retire at age 52 with 574,000?

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 $574,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$47,400$46,978$46,566$46,164$45,772$44,183
2 years$23,466$23,029$22,605$22,194$21,796$20,212
3 years$15,488$15,049$14,627$14,220$13,828$12,298
4 years$11,500$11,063$10,645$10,245$9,862$8,398
5 years$9,108$8,673$8,261$7,869$7,497$6,103
6 years$7,514$7,083$6,676$6,293$5,932$4,609
7 years$6,376$5,948$5,548$5,174$4,825$3,572
8 years$5,523$5,098$4,705$4,340$4,002$2,820
9 years$4,859$4,439$4,052$3,697$3,371$2,256
10 years$4,329$3,913$3,533$3,187$2,872$1,824
11 years$3,895$3,483$3,110$2,773$2,470$1,486
12 years$3,534$3,126$2,760$2,433$2,140$1,218
13 years$3,229$2,825$2,466$2,148$1,866$1,004
14 years$2,967$2,568$2,216$1,906$1,636$831
15 years$2,741$2,346$2,001$1,700$1,441$689
16 years$2,543$2,153$1,814$1,522$1,273$574
17 years$2,369$1,982$1,651$1,368$1,129$479
18 years$2,214$1,832$1,507$1,233$1,004$400
19 years$2,075$1,698$1,379$1,114$895$335
20 years$1,951$1,578$1,266$1,009$799$280
21 years$1,838$1,469$1,164$916$715$235
22 years$1,736$1,372$1,073$832$641$197
23 years$1,643$1,283$991$758$575$166
24 years$1,558$1,202$916$691$517$139
25 years$1,480$1,128$849$631$465$117
26 years$1,408$1,060$787$577$419$99
27 years$1,341$998$731$528$378$83
28 years$1,279$940$680$484$341$70
29 years$1,222$887$632$444$308$59
30 years$1,168$838$589$408$278$50
31 years$1,118$792$549$374$252$42
32 years$1,072$749$512$344$228$35
33 years$1,028$710$478$316$206$30
34 years$987$672$447$291$186$25
35 years$948$638$418$268$169$21
36 years$912$605$391$247$153$18
37 years$877$575$366$227$139$15
38 years$845$546$343$210$126$13
39 years$814$520$321$193$114$11
40 years$785$494$301$178$103$9
41 years$757$471$282$164$94$8
42 years$731$448$265$152$85$6
43 years$706$427$248$140$77$5
44 years$682$407$233$129$70$5
45 years$659$388$219$119$64$4
46 years$638$370$206$110$58$3
47 years$617$353$193$102$52$3
48 years$597$337$181$94$48$2
49 years$578$322$171$87$43$2
50 years$560$308$160$80$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $574,000, adding $4,211 every year, while hoping to spend $42,374 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: 66/21/13 Blend
51$574,000$574,000$574,000$574,000
52$636,892$606,470$597,573$676,754
53$656,769$591,101$572,506$688,509
54$677,254$573,559$545,179$695,989
55$698,363$553,693$515,472$703,094
56$720,114$531,342$483,258$709,787
57$742,525$506,337$448,407$716,024
58$765,614$478,500$410,780$721,761
59$789,400$447,639$370,235$726,951
60$813,902$413,556$326,620$731,544
61$839,138$376,039$279,780$735,485
62$865,128$334,863$229,551$738,718
63$891,892$289,791$175,761$741,182
64$919,448$240,575$118,233$742,813
65$947,818$186,949$56,780$743,541
66$977,022$128,636$0$743,294
67$1,007,078$65,339$0$743,215
68$1,038,008$0$0$750,487
69$1,069,831$0$0$757,917
70$1,102,568$0$0$781,091
71$1,136,238$0$0$804,923
72$1,170,859$0$0$829,428
73$1,206,453$0$0$854,617
74$1,243,036$0$0$880,505
75$1,280,626$0$0$907,102
76$1,319,241$0$0$934,421
77$1,358,896$0$0$962,473
78$1,399,607$0$0$991,267
79$1,441,386$0$0$1,020,813
80$1,484,246$0$0$1,051,119
81$1,528,196$0$0$1,082,190
82$1,573,245$0$0$1,114,033
83$1,619,398$0$0$1,146,649
84$1,666,658$0$0$1,180,039
85$1,715,023$0$0$1,214,204
86$1,764,491$0$0$1,249,138
87$1,815,052$0$0$1,284,834
88$1,866,693$0$0$1,321,282
89$1,919,397$0$0$1,358,468
90$1,973,139$0$0$1,396,373
91$2,027,889$0$0$1,434,974
92$2,083,608$0$0$1,474,241
93$2,140,250$0$0$1,514,140
94$2,197,759$0$0$1,554,628
95$2,256,069$0$0$1,595,657
96$2,315,102$0$0$1,637,168
97$2,374,767$0$0$1,679,094
98$2,434,959$0$0$1,721,357
99$2,495,556$0$0$1,763,867
100$2,556,420$0$0$1,806,522