Can I retire at age 52 with 577,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15%
1 years$47,648$47,224$46,810$46,405$46,011$45,063
2 years$23,588$23,149$22,723$22,310$21,910$20,960
3 years$15,569$15,128$14,703$14,294$13,901$12,977
4 years$11,561$11,121$10,700$10,298$9,914$9,025
5 years$9,156$8,719$8,304$7,910$7,536$6,684
6 years$7,553$7,120$6,711$6,326$5,963$5,148
7 years$6,409$5,979$5,577$5,201$4,850$4,072
8 years$5,551$5,125$4,729$4,363$4,023$3,283
9 years$4,885$4,462$4,073$3,716$3,388$2,685
10 years$4,352$3,933$3,551$3,203$2,887$2,219
11 years$3,916$3,502$3,127$2,788$2,483$1,851
12 years$3,553$3,143$2,775$2,445$2,152$1,554
13 years$3,246$2,840$2,479$2,159$1,876$1,312
14 years$2,983$2,582$2,227$1,916$1,645$1,113
15 years$2,755$2,358$2,011$1,709$1,448$947
16 years$2,556$2,164$1,823$1,530$1,280$809
17 years$2,381$1,993$1,659$1,375$1,135$692
18 years$2,225$1,841$1,515$1,239$1,009$594
19 years$2,086$1,707$1,387$1,120$899$511
20 years$1,961$1,586$1,272$1,014$803$440
21 years$1,848$1,477$1,170$920$719$379
22 years$1,745$1,379$1,079$837$644$327
23 years$1,652$1,290$996$762$578$283
24 years$1,566$1,208$921$695$520$245
25 years$1,488$1,134$853$635$468$212
26 years$1,415$1,066$791$580$421$183
27 years$1,348$1,003$735$531$380$159
28 years$1,286$945$683$487$343$138
29 years$1,228$892$636$446$310$119
30 years$1,175$842$592$410$280$104
31 years$1,124$796$552$376$253$90
32 years$1,077$753$515$346$229$78
33 years$1,033$713$481$318$207$68
34 years$992$676$449$293$187$59
35 years$953$641$420$269$170$51
36 years$916$609$393$248$154$44
37 years$882$578$368$229$139$39
38 years$849$549$344$211$126$34
39 years$818$522$323$194$115$29
40 years$789$497$302$179$104$25
41 years$761$473$284$165$94$22
42 years$735$451$266$153$86$19
43 years$709$429$250$141$78$17
44 years$686$409$234$130$70$14
45 years$663$390$220$120$64$13
46 years$641$372$207$111$58$11
47 years$620$355$194$102$53$10
48 years$600$339$182$95$48$8
49 years$581$324$171$88$44$7
50 years$563$309$161$81$40$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $577,000, adding $5,499 every year, while hoping to spend $38,634 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: 59/30/11 Blend
51$577,000$577,000$577,000$577,000
52$641,526$610,945$602,002$677,365
53$665,856$599,775$581,062$690,963
54$691,372$586,763$558,127$700,952
55$718,155$571,778$533,087$710,909
56$746,292$554,680$505,831$720,832
57$775,878$535,324$476,241$730,725
58$807,017$513,554$444,194$740,591
59$839,819$489,204$409,561$750,437
60$874,407$462,102$372,208$760,273
61$910,915$432,063$331,995$770,111
62$949,487$398,893$288,775$779,968
63$990,281$362,385$242,396$789,864
64$1,033,471$322,323$192,698$799,827
65$1,079,245$278,477$139,513$809,886
66$1,127,809$230,603$82,668$820,081
67$1,179,389$178,446$21,980$830,456
68$1,234,231$121,735$0$841,066
69$1,292,605$60,182$0$856,994
70$1,354,806$0$0$876,372
71$1,421,159$0$0$898,878
72$1,492,016$0$0$944,157
73$1,567,766$0$0$992,592
74$1,648,836$0$0$1,044,459
75$1,735,691$0$0$1,100,062
76$1,828,843$0$0$1,159,731
77$1,928,854$0$0$1,223,832
78$2,036,341$0$0$1,292,765
79$2,151,980$0$0$1,366,967
80$2,276,514$0$0$1,446,922
81$2,410,759$0$0$1,533,159
82$2,555,611$0$0$1,626,260
83$2,712,055$0$0$1,726,863
84$2,881,173$0$0$1,835,672
85$3,064,155$0$0$1,953,458
86$3,262,308$0$0$2,081,071
87$3,477,069$0$0$2,219,444
88$3,710,018$0$0$2,369,603
89$3,962,895$0$0$2,532,677
90$4,237,610$0$0$2,709,908
91$4,536,267$0$0$2,902,661
92$4,861,179$0$0$3,112,441
93$5,214,892$0$0$3,340,900
94$5,600,207$0$0$3,589,857
95$6,020,206$0$0$3,861,317
96$6,478,281$0$0$4,157,482
97$6,978,166$0$0$4,480,778
98$7,523,971$0$0$4,833,877
99$8,120,221$0$0$5,219,717
100$8,771,895$0$0$5,641,537