Can I retire at age 52 with 577,000?

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 $577,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$47,648$47,224$46,810$46,405$46,011$45,305
2 years$23,588$23,149$22,723$22,310$21,910$21,200
3 years$15,569$15,128$14,703$14,294$13,901$13,209
4 years$11,561$11,121$10,700$10,298$9,914$9,246
5 years$9,156$8,719$8,304$7,910$7,536$6,895
6 years$7,553$7,120$6,711$6,326$5,963$5,348
7 years$6,409$5,979$5,577$5,201$4,850$4,261
8 years$5,551$5,125$4,729$4,363$4,023$3,461
9 years$4,885$4,462$4,073$3,716$3,388$2,853
10 years$4,352$3,933$3,551$3,203$2,887$2,377
11 years$3,916$3,502$3,127$2,788$2,483$1,999
12 years$3,553$3,143$2,775$2,445$2,152$1,692
13 years$3,246$2,840$2,479$2,159$1,876$1,441
14 years$2,983$2,582$2,227$1,916$1,645$1,233
15 years$2,755$2,358$2,011$1,709$1,448$1,059
16 years$2,556$2,164$1,823$1,530$1,280$913
17 years$2,381$1,993$1,659$1,375$1,135$789
18 years$2,225$1,841$1,515$1,239$1,009$683
19 years$2,086$1,707$1,387$1,120$899$593
20 years$1,961$1,586$1,272$1,014$803$516
21 years$1,848$1,477$1,170$920$719$449
22 years$1,745$1,379$1,079$837$644$391
23 years$1,652$1,290$996$762$578$342
24 years$1,566$1,208$921$695$520$299
25 years$1,488$1,134$853$635$468$261
26 years$1,415$1,066$791$580$421$228
27 years$1,348$1,003$735$531$380$200
28 years$1,286$945$683$487$343$175
29 years$1,228$892$636$446$310$154
30 years$1,175$842$592$410$280$135
31 years$1,124$796$552$376$253$118
32 years$1,077$753$515$346$229$104
33 years$1,033$713$481$318$207$91
34 years$992$676$449$293$187$80
35 years$953$641$420$269$170$70
36 years$916$609$393$248$154$62
37 years$882$578$368$229$139$54
38 years$849$549$344$211$126$48
39 years$818$522$323$194$115$42
40 years$789$497$302$179$104$37
41 years$761$473$284$165$94$32
42 years$735$451$266$153$86$28
43 years$709$429$250$141$78$25
44 years$686$409$234$130$70$22
45 years$663$390$220$120$64$19
46 years$641$372$207$111$58$17
47 years$620$355$194$102$53$15
48 years$600$339$182$95$48$13
49 years$581$324$171$88$44$12
50 years$563$309$161$81$40$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $577,000, adding $2,658 every year, while hoping to spend $37,957 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: 71/23/6 Blend
51$577,000$577,000$577,000$577,000
52$638,596$608,015$599,071$683,259
53$663,347$597,421$578,754$702,505
54$689,350$585,037$556,484$718,591
55$716,693$570,734$532,156$735,137
56$745,472$554,376$505,660$752,181
57$775,790$535,820$476,879$769,760
58$807,760$514,915$445,694$787,920
59$841,506$491,500$411,979$806,711
60$877,161$465,405$375,602$826,188
61$914,873$436,451$336,426$846,415
62$954,801$404,448$294,307$867,462
63$997,120$369,195$249,095$889,408
64$1,042,020$330,480$200,634$912,342
65$1,089,711$288,078$148,761$936,363
66$1,140,421$241,753$93,303$961,581
67$1,194,399$191,254$34,084$988,122
68$1,251,919$136,317$0$1,016,124
69$1,313,280$76,663$0$1,047,605
70$1,378,811$11,995$0$1,083,325
71$1,448,871$0$0$1,121,305
72$1,523,853$0$0$1,176,453
73$1,604,191$0$0$1,238,811
74$1,690,357$0$0$1,305,715
75$1,782,872$0$0$1,377,570
76$1,882,307$0$0$1,454,822
77$1,989,288$0$0$1,537,961
78$2,104,503$0$0$1,627,525
79$2,228,708$0$0$1,724,104
80$2,362,732$0$0$1,828,348
81$2,507,488$0$0$1,940,968
82$2,663,977$0$0$2,062,749
83$2,833,301$0$0$2,194,551
84$3,016,670$0$0$2,337,321
85$3,215,416$0$0$2,492,099
86$3,431,001$0$0$2,660,031
87$3,665,037$0$0$2,842,375
88$3,919,292$0$0$3,040,514
89$4,195,714$0$0$3,255,973
90$4,496,446$0$0$3,490,427
91$4,823,845$0$0$3,745,718
92$5,180,505$0$0$4,023,877
93$5,569,280$0$0$4,327,134
94$5,993,311$0$0$4,657,947
95$6,456,057$0$0$5,019,022
96$6,961,322$0$0$5,413,333
97$7,513,297$0$0$5,844,159
98$8,116,594$0$0$6,315,107
99$8,776,291$0$0$6,830,149
100$9,497,979$0$0$7,393,660