Can I retire at age 52 with 592,000?

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 $592,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$48,887$48,451$48,026$47,612$47,207$46,617
2 years$24,201$23,751$23,314$22,890$22,479$21,886
3 years$15,974$15,521$15,086$14,666$14,262$13,683
4 years$11,861$11,410$10,978$10,566$10,172$9,612
5 years$9,394$8,945$8,520$8,116$7,732$7,194
6 years$7,750$7,305$6,885$6,490$6,118$5,601
7 years$6,576$6,134$5,722$5,336$4,976$4,480
8 years$5,696$5,258$4,852$4,476$4,128$3,654
9 years$5,012$4,578$4,179$3,813$3,476$3,024
10 years$4,465$4,036$3,644$3,287$2,962$2,531
11 years$4,017$3,593$3,208$2,860$2,547$2,137
12 years$3,645$3,225$2,847$2,509$2,208$1,817
13 years$3,330$2,914$2,543$2,215$1,925$1,555
14 years$3,060$2,649$2,285$1,966$1,687$1,336
15 years$2,827$2,420$2,063$1,754$1,486$1,153
16 years$2,623$2,220$1,871$1,570$1,313$999
17 years$2,443$2,045$1,702$1,411$1,164$867
18 years$2,283$1,889$1,554$1,271$1,035$755
19 years$2,140$1,751$1,423$1,149$923$659
20 years$2,012$1,627$1,306$1,040$824$576
21 years$1,896$1,516$1,201$944$738$504
22 years$1,791$1,415$1,107$859$661$442
23 years$1,695$1,323$1,022$782$593$388
24 years$1,607$1,240$945$713$533$341
25 years$1,526$1,163$875$651$480$300
26 years$1,452$1,093$812$595$432$264
27 years$1,383$1,029$754$545$390$232
28 years$1,319$970$701$499$352$205
29 years$1,260$915$652$458$318$180
30 years$1,205$864$607$420$287$159
31 years$1,154$817$566$386$259$140
32 years$1,105$773$528$355$235$124
33 years$1,060$732$493$326$212$109
34 years$1,018$694$461$300$192$97
35 years$978$658$431$276$174$85
36 years$940$624$403$254$158$75
37 years$905$593$377$234$143$67
38 years$871$564$353$216$130$59
39 years$839$536$331$199$118$52
40 years$809$510$310$184$107$46
41 years$781$485$291$170$97$41
42 years$754$462$273$156$88$36
43 years$728$440$256$144$80$32
44 years$703$420$240$133$72$28
45 years$680$400$226$123$66$25
46 years$658$382$212$114$60$22
47 years$636$364$199$105$54$19
48 years$616$348$187$97$49$17
49 years$597$332$176$90$45$15
50 years$578$317$165$83$41$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $592,000, adding $4,260 every year, while hoping to spend $48,940 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: 70/15/15 Blend
51$592,000$592,000$592,000$592,000
52$656,778$625,402$616,226$700,208
53$671,698$603,975$584,798$708,204
54$686,499$579,858$550,677$710,674
55$701,118$552,867$513,720$712,117
56$715,483$522,808$473,781$712,423
57$729,512$489,476$430,703$711,473
58$743,116$452,654$384,325$709,139
59$756,193$412,113$334,479$705,280
60$768,627$367,609$280,986$699,742
61$780,291$318,886$223,664$692,358
62$791,044$265,674$162,319$682,945
63$800,724$207,686$96,751$671,305
64$809,155$144,620$26,749$657,221
65$816,139$76,157$0$640,456
66$821,456$1,959$0$628,427
67$824,860$0$0$618,245
68$826,079$0$0$618,283
69$824,811$0$0$616,707
70$820,719$0$0$612,935
71$813,431$0$0$606,678
72$802,533$0$0$597,616
73$787,566$0$0$585,395
74$768,023$0$0$569,622
75$743,341$0$0$549,862
76$712,895$0$0$525,635
77$675,997$0$0$496,407
78$631,883$0$0$461,587
79$579,707$0$0$420,525
80$518,535$0$0$372,497
81$447,335$0$0$316,707
82$364,963$0$0$252,271
83$270,157$0$0$178,216
84$161,522$0$0$93,465
85$37,516$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0