Can I retire at age 52 with 579,000?

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 $579,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$47,813$47,387$46,972$46,566$46,170$45,127
2 years$23,670$23,229$22,802$22,388$21,986$20,941
3 years$15,623$15,180$14,754$14,344$13,949$12,934
4 years$11,601$11,159$10,737$10,334$9,948$8,972
5 years$9,188$8,749$8,333$7,938$7,563$6,627
6 years$7,580$7,144$6,734$6,348$5,984$5,091
7 years$6,431$6,000$5,596$5,219$4,867$4,015
8 years$5,571$5,143$4,746$4,378$4,037$3,228
9 years$4,902$4,478$4,088$3,729$3,400$2,632
10 years$4,367$3,947$3,564$3,214$2,897$2,169
11 years$3,929$3,514$3,137$2,798$2,491$1,803
12 years$3,565$3,154$2,784$2,454$2,159$1,509
13 years$3,257$2,850$2,488$2,166$1,883$1,270
14 years$2,993$2,591$2,235$1,923$1,650$1,073
15 years$2,765$2,367$2,018$1,715$1,453$910
16 years$2,565$2,171$1,830$1,536$1,284$775
17 years$2,389$2,000$1,665$1,380$1,139$661
18 years$2,233$1,848$1,520$1,243$1,013$565
19 years$2,093$1,713$1,391$1,124$902$484
20 years$1,968$1,591$1,277$1,018$806$415
21 years$1,854$1,482$1,175$924$721$357
22 years$1,751$1,384$1,082$840$647$307
23 years$1,658$1,294$999$765$580$264
24 years$1,572$1,212$924$697$522$227
25 years$1,493$1,138$856$637$469$196
26 years$1,420$1,069$794$582$423$169
27 years$1,353$1,006$737$533$381$146
28 years$1,290$948$685$488$344$126
29 years$1,233$895$638$448$311$109
30 years$1,179$845$594$411$281$94
31 years$1,128$799$554$378$254$81
32 years$1,081$756$517$347$230$70
33 years$1,037$716$483$319$208$61
34 years$995$678$451$294$188$53
35 years$956$643$422$270$170$45
36 years$920$611$394$249$154$39
37 years$885$580$369$229$140$34
38 years$852$551$346$211$127$29
39 years$821$524$324$195$115$25
40 years$792$499$304$180$104$22
41 years$764$475$285$166$95$19
42 years$737$452$267$153$86$16
43 years$712$431$251$141$78$14
44 years$688$411$235$130$71$12
45 years$665$392$221$120$64$11
46 years$643$374$207$111$58$9
47 years$622$356$195$103$53$8
48 years$603$340$183$95$48$7
49 years$584$325$172$88$44$6
50 years$565$310$162$81$40$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $579,000, adding $3,453 every year, while hoping to spend $25,143 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: 62/29/9 Blend
51$579,000$579,000$579,000$579,000
52$641,620$610,933$601,958$679,937
53$680,313$614,117$595,372$709,169
54$722,110$616,614$587,722$737,842
55$767,302$618,364$578,947$768,505
56$816,206$619,303$568,981$801,349
57$869,174$619,364$557,757$836,587
58$926,590$618,473$545,202$874,455
59$988,879$616,555$531,243$915,210
60$1,056,506$613,528$515,801$959,140
61$1,129,984$609,305$498,795$1,006,561
62$1,209,877$603,796$480,140$1,057,823
63$1,296,805$596,902$459,745$1,113,311
64$1,391,451$588,522$437,518$1,173,453
65$1,494,565$578,546$413,361$1,238,718
66$1,606,974$566,858$387,172$1,309,627
67$1,729,588$553,336$358,845$1,386,755
68$1,863,408$537,851$328,268$1,470,736
69$2,009,535$520,266$295,324$1,562,270
70$2,169,183$500,434$259,893$1,662,131
71$2,343,687$478,204$221,847$1,771,172
72$2,534,519$453,411$181,054$1,890,338
73$2,743,296$425,884$137,376$2,020,668
74$2,971,801$395,441$90,667$2,163,313
75$3,221,998$361,891$40,777$2,319,540
76$3,496,047$325,029$0$2,490,751
77$3,796,330$284,641$0$2,679,688
78$4,125,467$240,501$0$2,891,118
79$4,486,347$192,368$0$3,123,020
80$4,882,149$139,988$0$3,377,490
81$5,316,377$83,096$0$3,656,840
82$5,792,887$21,407$0$3,963,619
83$6,315,930$0$0$4,300,641
84$6,890,186$0$0$4,685,487
85$7,520,813$0$0$5,115,659
86$8,213,490$0$0$5,588,203
87$8,974,475$0$0$6,107,396
88$9,810,661$0$0$6,677,946
89$10,729,644$0$0$7,305,041
90$11,739,789$0$0$7,994,397
91$12,850,314$0$0$8,752,312
92$14,071,375$0$0$9,585,721
93$15,414,158$0$0$10,502,270
94$16,890,992$0$0$11,510,380
95$18,515,458$0$0$12,619,328
96$20,302,519$0$0$13,839,337
97$22,268,663$0$0$15,181,672
98$24,432,055$0$0$16,658,743
99$26,812,710$0$0$18,284,225
100$29,432,683$0$0$20,073,183