Can I retire at age 52 with 595,000?

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 $595,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$49,135$48,697$48,270$47,853$47,446$46,057
2 years$24,324$23,871$23,432$23,006$22,593$21,205
3 years$16,055$15,600$15,162$14,740$14,334$12,990
4 years$11,921$11,468$11,034$10,620$10,223$8,934
5 years$9,442$8,991$8,563$8,157$7,772$6,540
6 years$7,789$7,342$6,920$6,523$6,149$4,977
7 years$6,609$6,165$5,751$5,363$5,001$3,888
8 years$5,725$5,285$4,877$4,499$4,149$3,095
9 years$5,037$4,602$4,201$3,832$3,494$2,497
10 years$4,487$4,056$3,662$3,303$2,977$2,037
11 years$4,038$3,611$3,224$2,875$2,560$1,675
12 years$3,663$3,241$2,861$2,522$2,219$1,386
13 years$3,347$2,929$2,556$2,226$1,935$1,153
14 years$3,076$2,662$2,297$1,976$1,696$963
15 years$2,841$2,432$2,074$1,762$1,493$807
16 years$2,636$2,231$1,880$1,578$1,320$679
17 years$2,455$2,055$1,711$1,418$1,170$572
18 years$2,295$1,899$1,562$1,278$1,041$483
19 years$2,151$1,760$1,430$1,155$927$408
20 years$2,022$1,635$1,312$1,046$828$346
21 years$1,906$1,523$1,207$949$741$293
22 years$1,800$1,422$1,112$863$664$249
23 years$1,703$1,330$1,027$786$596$211
24 years$1,615$1,246$950$717$536$180
25 years$1,534$1,169$880$655$482$153
26 years$1,459$1,099$816$599$435$130
27 years$1,390$1,034$758$548$392$111
28 years$1,326$975$704$502$354$94
29 years$1,267$919$655$460$319$80
30 years$1,211$868$611$422$288$68
31 years$1,159$821$569$388$261$58
32 years$1,111$777$531$357$236$50
33 years$1,066$735$496$328$213$42
34 years$1,023$697$463$302$193$36
35 years$983$661$433$278$175$31
36 years$945$628$405$256$159$26
37 years$909$596$379$236$144$22
38 years$876$566$355$217$130$19
39 years$844$539$333$200$118$16
40 years$813$512$312$185$107$14
41 years$785$488$292$170$97$12
42 years$758$465$274$157$88$10
43 years$732$443$257$145$80$9
44 years$707$422$242$134$73$7
45 years$683$402$227$124$66$6
46 years$661$384$213$114$60$5
47 years$640$366$200$106$54$5
48 years$619$350$188$98$49$4
49 years$600$334$177$90$45$3
50 years$581$319$166$83$41$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $595,000, adding $3,088 every year, while hoping to spend $33,945 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: 63/20/17 Blend
51$595,000$595,000$595,000$595,000
52$658,875$627,340$618,118$697,393
53$689,963$621,963$602,708$718,275
54$723,085$615,184$585,643$736,940
55$758,411$606,900$566,834$756,517
56$796,130$596,999$546,184$777,095
57$836,448$585,364$523,594$798,775
58$879,590$571,871$498,958$821,671
59$925,804$556,389$472,169$845,906
60$975,361$538,778$443,113$871,622
61$1,028,560$518,890$411,669$898,971
62$1,085,727$496,569$377,714$928,128
63$1,147,221$471,651$341,117$959,283
64$1,213,437$443,961$301,743$992,650
65$1,284,806$413,313$259,450$1,028,466
66$1,361,803$379,513$214,089$1,066,993
67$1,444,952$342,354$165,506$1,108,524
68$1,534,826$301,618$113,539$1,153,383
69$1,632,056$257,075$58,020$1,201,930
70$1,737,334$208,480$0$1,254,565
71$1,851,423$155,577$0$1,311,953
72$1,975,161$98,093$0$1,385,608
73$2,109,469$35,741$0$1,465,575
74$2,255,361$0$0$1,552,493
75$2,413,952$0$0$1,654,063
76$2,586,468$0$0$1,773,147
77$2,774,260$0$0$1,902,813
78$2,978,811$0$0$2,044,092
79$3,201,756$0$0$2,198,119
80$3,444,894$0$0$2,366,140
81$3,710,203$0$0$2,549,530
82$3,999,862$0$0$2,749,800
83$4,316,270$0$0$2,968,614
84$4,662,066$0$0$3,207,805
85$5,040,159$0$0$3,469,390
86$5,453,747$0$0$3,755,590
87$5,906,356$0$0$4,068,850
88$6,401,865$0$0$4,411,863
89$6,944,547$0$0$4,787,596
90$7,539,109$0$0$5,199,314
91$8,190,731$0$0$5,650,613
92$8,905,122$0$0$6,145,456
93$9,688,567$0$0$6,688,204
94$10,547,990$0$0$7,283,665
95$11,491,016$0$0$7,937,130
96$12,526,046$0$0$8,654,430
97$13,662,332$0$0$9,441,988
98$14,910,065$0$0$10,306,878
99$16,280,474$0$0$11,256,893
100$17,785,927$0$0$12,300,620