Can I retire at age 52 with 597,000?

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 $597,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$49,300$48,861$48,432$48,014$47,606$47,207
2 years$24,406$23,951$23,511$23,084$22,669$22,267
3 years$16,109$15,652$15,213$14,790$14,382$13,990
4 years$11,961$11,506$11,071$10,655$10,258$9,877
5 years$9,473$9,021$8,592$8,184$7,798$7,431
6 years$7,815$7,366$6,943$6,545$6,170$5,817
7 years$6,631$6,186$5,770$5,381$5,018$4,679
8 years$5,744$5,303$4,893$4,514$4,163$3,838
9 years$5,054$4,617$4,215$3,845$3,506$3,195
10 years$4,502$4,070$3,674$3,314$2,987$2,690
11 years$4,051$3,623$3,235$2,885$2,569$2,286
12 years$3,676$3,252$2,871$2,530$2,226$1,956
13 years$3,358$2,939$2,565$2,234$1,941$1,684
14 years$3,086$2,671$2,305$1,983$1,702$1,457
15 years$2,851$2,440$2,081$1,768$1,498$1,266
16 years$2,645$2,239$1,887$1,583$1,324$1,104
17 years$2,463$2,062$1,717$1,423$1,174$966
18 years$2,302$1,905$1,567$1,282$1,044$847
19 years$2,158$1,766$1,435$1,158$931$744
20 years$2,029$1,641$1,317$1,049$831$655
21 years$1,912$1,528$1,211$952$744$578
22 years$1,806$1,427$1,116$866$667$510
23 years$1,709$1,334$1,031$788$598$451
24 years$1,621$1,250$953$719$538$400
25 years$1,539$1,173$883$657$484$354
26 years$1,464$1,103$819$601$436$314
27 years$1,395$1,038$760$550$393$279
28 years$1,331$978$707$504$355$248
29 years$1,271$922$658$462$320$220
30 years$1,215$871$613$424$289$196
31 years$1,163$824$571$389$262$174
32 years$1,115$779$533$358$237$155
33 years$1,069$738$498$329$214$138
34 years$1,026$699$465$303$194$123
35 years$986$663$435$279$176$109
36 years$948$630$407$257$159$97
37 years$912$598$381$236$144$87
38 years$879$568$356$218$131$77
39 years$847$540$334$201$119$69
40 years$816$514$313$185$108$62
41 years$787$489$293$171$98$55
42 years$760$466$275$158$89$49
43 years$734$444$258$146$80$44
44 years$709$423$242$135$73$39
45 years$686$404$228$124$66$35
46 years$663$385$214$115$60$31
47 years$642$368$201$106$55$28
48 years$621$351$189$98$50$25
49 years$602$335$177$91$45$22
50 years$583$320$167$84$41$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $597,000, adding $4,500 every year, while hoping to spend $36,856 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: 58/22/20 Blend
51$597,000$597,000$597,000$597,000
52$662,536$630,895$621,641$697,202
53$690,900$622,594$603,252$712,975
54$720,922$612,651$583,011$725,781
55$752,732$600,947$560,818$738,922
56$786,472$587,356$536,567$752,439
57$822,299$571,742$510,148$766,377
58$860,381$553,965$481,446$780,789
59$900,905$533,875$450,339$795,735
60$944,075$511,312$416,703$811,282
61$990,113$486,109$380,405$827,506
62$1,039,264$458,087$341,308$844,495
63$1,091,795$427,060$299,268$862,346
64$1,148,000$392,828$254,136$881,170
65$1,208,201$355,181$205,754$901,092
66$1,272,749$313,898$153,959$922,253
67$1,342,034$268,742$98,580$944,811
68$1,416,478$219,467$39,440$968,942
69$1,496,548$165,811$0$994,848
70$1,582,757$107,497$0$1,027,802
71$1,675,667$44,232$0$1,072,314
72$1,775,894$0$0$1,120,280
73$1,884,118$0$0$1,177,941
74$2,001,083$0$0$1,251,872
75$2,127,610$0$0$1,331,888
76$2,264,599$0$0$1,418,564
77$2,413,040$0$0$1,512,532
78$2,574,021$0$0$1,614,487
79$2,748,741$0$0$1,725,192
80$2,938,515$0$0$1,845,490
81$3,144,792$0$0$1,976,304
82$3,369,166$0$0$2,118,653
83$3,613,390$0$0$2,273,655
84$3,879,392$0$0$2,442,543
85$4,169,295$0$0$2,626,672
86$4,485,437$0$0$2,827,535
87$4,830,387$0$0$3,046,773
88$5,206,977$0$0$3,286,194
89$5,618,321$0$0$3,547,789
90$6,067,849$0$0$3,833,748
91$6,559,338$0$0$4,146,484
92$7,096,945$0$0$4,488,652
93$7,685,247$0$0$4,863,177
94$8,329,285$0$0$5,273,279
95$9,034,609$0$0$5,722,505
96$9,807,332$0$0$6,214,759
97$10,654,185$0$0$6,754,342
98$11,582,583$0$0$7,345,992
99$12,600,689$0$0$7,994,925
100$13,717,498$0$0$8,706,888