Can I retire at age 52 with 522,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
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 $522,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$43,106$42,722$42,348$41,982$41,625$41,450
2 years$21,340$20,942$20,557$20,184$19,821$19,644
3 years$14,085$13,686$13,302$12,932$12,576$12,402
4 years$10,459$10,061$9,680$9,317$8,969$8,801
5 years$8,283$7,888$7,512$7,156$6,818$6,656
6 years$6,833$6,441$6,071$5,723$5,395$5,238
7 years$5,798$5,409$5,045$4,705$4,388$4,237
8 years$5,022$4,637$4,279$3,947$3,640$3,495
9 years$4,419$4,037$3,685$3,362$3,065$2,926
10 years$3,937$3,558$3,213$2,898$2,612$2,479
11 years$3,542$3,168$2,829$2,522$2,246$2,119
12 years$3,214$2,843$2,510$2,212$1,947$1,825
13 years$2,936$2,569$2,243$1,953$1,697$1,581
14 years$2,699$2,336$2,015$1,734$1,488$1,377
15 years$2,493$2,134$1,819$1,546$1,310$1,205
16 years$2,313$1,958$1,650$1,384$1,158$1,058
17 years$2,154$1,803$1,501$1,244$1,027$931
18 years$2,013$1,666$1,370$1,121$913$822
19 years$1,887$1,544$1,254$1,013$814$728
20 years$1,774$1,435$1,151$917$727$646
21 years$1,672$1,336$1,059$833$650$574
22 years$1,579$1,247$976$757$583$510
23 years$1,494$1,167$901$689$523$455
24 years$1,417$1,093$833$629$470$406
25 years$1,346$1,026$772$574$423$362
26 years$1,280$964$716$525$381$324
27 years$1,220$907$665$481$344$290
28 years$1,163$855$618$440$310$259
29 years$1,111$807$575$404$280$232
30 years$1,063$762$536$371$253$208
31 years$1,017$720$499$340$229$187
32 years$975$681$466$313$207$168
33 years$935$645$435$288$187$150
34 years$897$612$406$265$170$135
35 years$862$580$380$244$154$121
36 years$829$551$356$224$139$109
37 years$798$523$333$207$126$98
38 years$768$497$312$191$114$88
39 years$740$473$292$176$104$79
40 years$714$450$274$162$94$71
41 years$688$428$257$150$85$64
42 years$665$408$241$138$77$58
43 years$642$388$226$127$70$52
44 years$620$370$212$118$64$47
45 years$600$353$199$109$58$42
46 years$580$337$187$100$53$38
47 years$561$321$176$93$48$34
48 years$543$307$165$86$43$31
49 years$526$293$155$79$39$28
50 years$510$280$146$73$36$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $522,000, adding $3,156 every year, while hoping to spend $33,871 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: 73/22/5 Blend
51$522,000$522,000$522,000$522,000
52$578,499$550,833$542,742$620,264
53$601,468$541,786$524,886$639,146
54$625,644$531,160$505,296$655,229
55$651,115$518,842$483,879$671,871
56$677,976$504,712$460,536$689,118
57$706,331$488,645$435,165$707,018
58$736,293$470,505$407,660$725,625
59$767,986$450,150$377,907$745,001
60$801,544$427,431$345,791$765,213
61$837,115$402,188$311,188$786,337
62$874,858$374,254$273,970$808,457
63$914,951$343,449$234,006$831,666
64$957,586$309,588$191,154$856,070
65$1,002,972$272,470$145,270$881,783
66$1,051,341$231,887$96,203$908,935
67$1,102,944$187,616$43,792$937,670
68$1,158,058$139,423$0$968,149
69$1,216,987$87,061$0$1,001,195
70$1,280,061$30,269$0$1,038,895
71$1,347,646$0$0$1,079,140
72$1,420,141$0$0$1,129,743
73$1,497,983$0$0$1,191,964
74$1,581,655$0$0$1,258,862
75$1,671,683$0$0$1,330,860
76$1,768,649$0$0$1,408,426
77$1,873,189$0$0$1,492,071
78$1,986,002$0$0$1,582,357
79$2,107,857$0$0$1,679,903
80$2,239,598$0$0$1,785,386
81$2,382,155$0$0$1,899,555
82$2,536,546$0$0$2,023,228
83$2,703,896$0$0$2,157,308
84$2,885,436$0$0$2,302,787
85$3,082,525$0$0$2,460,757
86$3,296,654$0$0$2,632,416
87$3,529,465$0$0$2,819,085
88$3,782,764$0$0$3,022,217
89$4,058,539$0$0$3,243,410
90$4,358,975$0$0$3,484,421
91$4,686,480$0$0$3,747,186
92$5,043,701$0$0$4,033,835
93$5,433,553$0$0$4,346,711
94$5,859,246$0$0$4,688,396
95$6,324,310$0$0$5,061,730
96$6,832,635$0$0$5,469,840
97$7,388,500$0$0$5,916,170
98$7,996,621$0$0$6,404,510
99$8,662,187$0$0$6,939,034
100$9,390,912$0$0$7,524,340