Can I retire at age 52 with 576,000?

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 $576,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$47,566$47,142$46,728$46,325$45,931$44,425
2 years$23,547$23,109$22,684$22,272$21,872$20,369
3 years$15,542$15,102$14,678$14,270$13,876$12,424
4 years$11,541$11,101$10,682$10,280$9,897$8,506
5 years$9,140$8,704$8,289$7,896$7,523$6,197
6 years$7,540$7,107$6,699$6,315$5,953$4,693
7 years$6,398$5,969$5,567$5,192$4,841$3,648
8 years$5,542$5,116$4,721$4,355$4,016$2,888
9 years$4,876$4,455$4,066$3,710$3,382$2,318
10 years$4,344$3,926$3,545$3,198$2,882$1,879
11 years$3,909$3,496$3,121$2,783$2,479$1,536
12 years$3,546$3,137$2,770$2,441$2,148$1,264
13 years$3,240$2,835$2,475$2,155$1,873$1,045
14 years$2,978$2,577$2,224$1,913$1,642$868
15 years$2,750$2,354$2,008$1,706$1,446$723
16 years$2,552$2,160$1,820$1,528$1,278$604
17 years$2,377$1,989$1,656$1,373$1,133$505
18 years$2,221$1,838$1,512$1,237$1,007$424
19 years$2,083$1,704$1,384$1,118$898$356
20 years$1,958$1,583$1,270$1,012$802$299
21 years$1,845$1,475$1,168$919$718$252
22 years$1,742$1,376$1,077$835$643$212
23 years$1,649$1,287$994$761$577$179
24 years$1,564$1,206$920$694$519$151
25 years$1,485$1,132$852$634$467$128
26 years$1,413$1,064$790$579$421$108
27 years$1,346$1,001$734$530$379$91
28 years$1,284$943$682$486$342$77
29 years$1,226$890$635$446$309$65
30 years$1,172$841$591$409$279$55
31 years$1,122$795$551$376$252$47
32 years$1,075$752$514$345$228$39
33 years$1,032$712$480$317$207$33
34 years$990$675$449$292$187$28
35 years$951$640$419$269$169$24
36 years$915$608$392$248$154$20
37 years$880$577$367$228$139$17
38 years$848$548$344$210$126$14
39 years$817$521$322$194$114$12
40 years$787$496$302$179$104$10
41 years$760$472$283$165$94$9
42 years$733$450$266$152$85$7
43 years$708$429$249$141$78$6
44 years$684$408$234$130$70$5
45 years$662$390$220$120$64$5
46 years$640$372$206$111$58$4
47 years$619$355$194$102$53$3
48 years$599$339$182$95$48$3
49 years$580$323$171$87$43$2
50 years$562$309$161$81$39$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $576,000, adding $3,630 every year, while hoping to spend $43,549 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: 63/23/14 Blend
51$576,000$576,000$576,000$576,000
52$638,496$607,968$599,040$676,342
53$657,287$591,423$572,772$685,612
54$676,535$572,607$544,165$690,414
55$696,241$551,364$513,093$694,594
56$716,403$527,527$479,428$698,095
57$737,021$500,920$443,033$700,851
58$758,089$471,357$403,767$702,797
59$779,601$438,641$361,480$703,857
60$801,550$402,564$316,019$703,954
61$823,924$362,905$267,222$703,004
62$846,709$319,433$214,919$700,916
63$869,889$271,901$158,934$697,596
64$893,443$220,049$99,084$692,938
65$917,347$163,604$35,176$686,833
66$941,571$102,275$0$679,161
67$966,082$35,757$0$674,728
68$990,839$0$0$674,392
69$1,015,798$0$0$681,959
70$1,040,905$0$0$698,657
71$1,066,100$0$0$715,393
72$1,091,314$0$0$732,118
73$1,116,469$0$0$748,778
74$1,141,476$0$0$765,309
75$1,166,234$0$0$781,642
76$1,190,630$0$0$797,696
77$1,214,535$0$0$813,381
78$1,237,806$0$0$828,598
79$1,260,281$0$0$843,233
80$1,281,780$0$0$857,159
81$1,302,100$0$0$870,236
82$1,321,014$0$0$882,303
83$1,338,269$0$0$893,186
84$1,353,584$0$0$902,687
85$1,366,643$0$0$910,586
86$1,377,097$0$0$916,640
87$1,384,555$0$0$920,576
88$1,388,584$0$0$922,092
89$1,388,702$0$0$920,853
90$1,384,375$0$0$916,486
91$1,375,008$0$0$908,577
92$1,359,943$0$0$896,668
93$1,338,448$0$0$880,249
94$1,309,715$0$0$858,758
95$1,272,845$0$0$831,569
96$1,226,845$0$0$797,991
97$1,170,614$0$0$757,259
98$1,102,935$0$0$708,525
99$1,022,459$0$0$650,852
100$927,696$0$0$583,204