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%15.8%
1 years$47,400$46,978$46,566$46,164$45,772$44,683
2 years$23,466$23,029$22,605$22,194$21,796$20,706
3 years$15,488$15,049$14,627$14,220$13,828$12,770
4 years$11,500$11,063$10,645$10,245$9,862$8,845
5 years$9,108$8,673$8,261$7,869$7,497$6,523
6 years$7,514$7,083$6,676$6,293$5,932$5,002
7 years$6,376$5,948$5,548$5,174$4,825$3,939
8 years$5,523$5,098$4,705$4,340$4,002$3,161
9 years$4,859$4,439$4,052$3,697$3,371$2,573
10 years$4,329$3,913$3,533$3,187$2,872$2,116
11 years$3,895$3,483$3,110$2,773$2,470$1,756
12 years$3,534$3,126$2,760$2,433$2,140$1,466
13 years$3,229$2,825$2,466$2,148$1,866$1,231
14 years$2,967$2,568$2,216$1,906$1,636$1,039
15 years$2,741$2,346$2,001$1,700$1,441$879
16 years$2,543$2,153$1,814$1,522$1,273$747
17 years$2,369$1,982$1,651$1,368$1,129$636
18 years$2,214$1,832$1,507$1,233$1,004$542
19 years$2,075$1,698$1,379$1,114$895$463
20 years$1,951$1,578$1,266$1,009$799$397
21 years$1,838$1,469$1,164$916$715$340
22 years$1,736$1,372$1,073$832$641$292
23 years$1,643$1,283$991$758$575$250
24 years$1,558$1,202$916$691$517$215
25 years$1,480$1,128$849$631$465$185
26 years$1,408$1,060$787$577$419$159
27 years$1,341$998$731$528$378$137
28 years$1,279$940$680$484$341$118
29 years$1,222$887$632$444$308$102
30 years$1,168$838$589$408$278$88
31 years$1,118$792$549$374$252$76
32 years$1,072$749$512$344$228$65
33 years$1,028$710$478$316$206$56
34 years$987$672$447$291$186$48
35 years$948$638$418$268$169$42
36 years$912$605$391$247$153$36
37 years$877$575$366$227$139$31
38 years$845$546$343$210$126$27
39 years$814$520$321$193$114$23
40 years$785$494$301$178$103$20
41 years$757$471$282$164$94$17
42 years$731$448$265$152$85$15
43 years$706$427$248$140$77$13
44 years$682$407$233$129$70$11
45 years$659$388$219$119$64$10
46 years$638$370$206$110$58$8
47 years$617$353$193$102$52$7
48 years$597$337$181$94$48$6
49 years$578$322$171$87$43$5
50 years$560$308$160$80$39$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $574,000, adding $5,868 every year, while hoping to spend $36,767 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: 38/40/22 Blend
51$574,000$574,000$574,000$574,000
52$638,601$608,179$599,282$658,473
53$664,618$598,860$580,238$664,097
54$692,057$587,852$559,324$666,294
55$721,024$575,033$536,438$667,926
56$751,634$560,276$511,474$668,962
57$784,014$543,443$484,322$669,374
58$818,302$524,389$454,865$669,131
59$854,648$502,964$422,982$668,207
60$893,217$479,004$388,547$666,572
61$934,189$452,339$351,427$664,202
62$977,761$422,788$311,485$661,071
63$1,024,148$390,161$268,575$657,156
64$1,073,586$354,254$222,548$652,437
65$1,126,334$314,854$173,245$646,898
66$1,182,674$271,736$120,503$640,524
67$1,242,917$224,661$64,150$633,307
68$1,307,402$173,377$4,006$625,242
69$1,376,502$117,618$0$616,332
70$1,450,627$57,102$0$620,711
71$1,530,224$0$0$626,194
72$1,615,787$0$0$635,638
73$1,707,856$0$0$672,902
74$1,807,025$0$0$713,098
75$1,913,945$0$0$756,498
76$2,029,334$0$0$803,401
77$2,153,977$0$0$854,135
78$2,288,739$0$0$909,060
79$2,434,572$0$0$968,574
80$2,592,520$0$0$1,033,112
81$2,763,731$0$0$1,103,154
82$2,949,469$0$0$1,179,226
83$3,151,124$0$0$1,261,911
84$3,370,223$0$0$1,351,844
85$3,608,447$0$0$1,449,730
86$3,867,645$0$0$1,556,339
87$4,149,852$0$0$1,672,523
88$4,457,307$0$0$1,799,217
89$4,792,475$0$0$1,937,451
90$5,158,065$0$0$2,088,358
91$5,557,064$0$0$2,253,186
92$5,992,756$0$0$2,433,309
93$6,468,758$0$0$2,630,239
94$6,989,052$0$0$2,845,641
95$7,558,021$0$0$3,081,348
96$8,180,491$0$0$3,339,379
97$8,861,777$0$0$3,621,956
98$9,607,731$0$0$3,931,528
99$10,424,797$0$0$4,270,791
100$11,320,072$0$0$4,642,713