Can I retire at age 52 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$43,354$42,968$42,591$42,223$41,864$40,885
2 years$21,462$21,063$20,675$20,300$19,935$18,955
3 years$14,166$13,765$13,378$13,006$12,648$11,696
4 years$10,519$10,118$9,736$9,370$9,021$8,105
5 years$8,331$7,933$7,556$7,197$6,857$5,981
6 years$6,873$6,478$6,106$5,756$5,426$4,589
7 years$5,832$5,440$5,074$4,732$4,413$3,615
8 years$5,051$4,663$4,303$3,970$3,661$2,903
9 years$4,444$4,060$3,706$3,381$3,083$2,364
10 years$3,959$3,579$3,231$2,915$2,627$1,946
11 years$3,563$3,186$2,845$2,537$2,259$1,615
12 years$3,232$2,860$2,525$2,225$1,958$1,350
13 years$2,953$2,584$2,256$1,964$1,707$1,135
14 years$2,714$2,349$2,027$1,744$1,496$958
15 years$2,507$2,146$1,830$1,555$1,318$811
16 years$2,326$1,969$1,659$1,392$1,165$689
17 years$2,166$1,813$1,510$1,251$1,033$587
18 years$2,025$1,675$1,378$1,127$918$501
19 years$1,898$1,553$1,262$1,019$818$429
20 years$1,784$1,443$1,158$923$731$367
21 years$1,681$1,344$1,065$837$654$315
22 years$1,588$1,255$982$761$586$270
23 years$1,503$1,173$906$693$526$232
24 years$1,425$1,099$838$632$473$200
25 years$1,354$1,032$776$578$426$172
26 years$1,288$970$720$528$383$148
27 years$1,227$913$669$483$346$128
28 years$1,170$860$622$443$312$110
29 years$1,118$811$578$406$282$95
30 years$1,069$766$539$373$255$82
31 years$1,023$724$502$342$230$71
32 years$980$685$469$315$208$61
33 years$940$649$438$289$188$53
34 years$903$615$409$266$171$45
35 years$867$583$382$245$154$39
36 years$834$554$358$226$140$34
37 years$802$526$335$208$127$29
38 years$773$500$313$192$115$25
39 years$744$475$294$177$104$22
40 years$718$452$275$163$95$19
41 years$692$430$258$150$86$16
42 years$668$410$242$139$78$14
43 years$646$391$227$128$71$12
44 years$624$372$213$118$64$11
45 years$603$355$200$109$58$9
46 years$583$339$188$101$53$8
47 years$564$323$177$93$48$7
48 years$546$309$166$86$44$6
49 years$529$295$156$80$40$5
50 years$513$281$147$74$36$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $525,000, adding $2,045 every year, while hoping to spend $37,775 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: 57/30/13 Blend
51$525,000$525,000$525,000$525,000
52$580,659$552,834$544,697$611,732
53$599,694$539,731$522,752$619,882
54$619,405$524,719$498,806$624,420
55$639,820$507,666$472,751$628,477
56$660,970$488,431$444,477$632,014
57$682,888$466,863$413,866$634,989
58$705,609$442,805$380,797$637,357
59$729,168$416,090$345,141$639,072
60$753,606$386,541$306,765$640,085
61$778,963$353,971$265,531$640,344
62$805,284$318,182$221,294$639,796
63$832,616$278,966$173,900$638,385
64$861,009$236,102$123,192$636,051
65$890,518$189,357$69,005$632,733
66$921,200$138,484$11,166$628,367
67$953,117$83,224$0$622,885
68$986,334$23,302$0$623,231
69$1,020,924$0$0$624,427
70$1,056,963$0$0$638,598
71$1,094,532$0$0$661,400
72$1,133,721$0$0$685,193
73$1,174,625$0$0$710,038
74$1,217,347$0$0$735,998
75$1,261,998$0$0$763,142
76$1,308,699$0$0$791,545
77$1,357,580$0$0$821,288
78$1,408,781$0$0$852,459
79$1,462,456$0$0$885,152
80$1,518,770$0$0$919,470
81$1,577,903$0$0$955,527
82$1,640,050$0$0$993,442
83$1,705,425$0$0$1,033,349
84$1,774,257$0$0$1,075,392
85$1,846,799$0$0$1,119,727
86$1,923,325$0$0$1,166,526
87$2,004,133$0$0$1,215,974
88$2,089,549$0$0$1,268,276
89$2,179,929$0$0$1,323,654
90$2,275,662$0$0$1,382,349
91$2,377,170$0$0$1,444,627
92$2,484,918$0$0$1,510,778
93$2,599,412$0$0$1,581,118
94$2,721,208$0$0$1,655,995
95$2,850,911$0$0$1,735,788
96$2,989,186$0$0$1,820,912
97$3,136,761$0$0$1,911,823
98$3,294,433$0$0$2,009,021
99$3,463,076$0$0$2,113,051
100$3,643,648$0$0$2,224,515