Can I retire at age 52 with 528,000?

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 $528,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$43,602$43,213$42,834$42,465$42,103$40,887
2 years$21,585$21,183$20,793$20,416$20,049$18,833
3 years$14,247$13,843$13,455$13,081$12,720$11,543
4 years$10,579$10,176$9,792$9,424$9,072$7,942
5 years$8,378$7,978$7,599$7,238$6,896$5,817
6 years$6,912$6,515$6,141$5,789$5,457$4,430
7 years$5,865$5,471$5,103$4,759$4,438$3,463
8 years$5,080$4,690$4,328$3,992$3,682$2,757
9 years$4,470$4,083$3,728$3,401$3,101$2,227
10 years$3,982$3,599$3,250$2,931$2,642$1,817
11 years$3,583$3,204$2,861$2,551$2,272$1,495
12 years$3,251$2,876$2,539$2,238$1,969$1,238
13 years$2,970$2,599$2,269$1,976$1,717$1,031
14 years$2,730$2,362$2,038$1,754$1,505$861
15 years$2,521$2,158$1,840$1,564$1,325$723
16 years$2,339$1,980$1,668$1,400$1,171$608
17 years$2,179$1,824$1,518$1,258$1,038$513
18 years$2,036$1,685$1,386$1,134$923$433
19 years$1,909$1,562$1,269$1,025$823$367
20 years$1,795$1,451$1,164$928$735$311
21 years$1,691$1,352$1,071$842$658$264
22 years$1,597$1,262$987$766$590$224
23 years$1,512$1,180$911$697$529$190
24 years$1,433$1,106$843$636$476$162
25 years$1,361$1,038$781$581$428$138
26 years$1,295$975$724$531$386$117
27 years$1,234$918$672$486$348$100
28 years$1,177$865$625$445$314$85
29 years$1,124$816$582$408$283$73
30 years$1,075$770$542$375$256$62
31 years$1,029$728$505$344$231$53
32 years$986$689$471$316$209$45
33 years$946$653$440$291$189$38
34 years$908$619$411$268$172$33
35 years$872$587$384$246$155$28
36 years$839$557$360$227$141$24
37 years$807$529$337$209$128$20
38 years$777$503$315$193$116$17
39 years$749$478$295$178$105$15
40 years$722$455$277$164$95$13
41 years$696$433$260$151$86$11
42 years$672$412$243$140$78$9
43 years$649$393$228$129$71$8
44 years$627$374$214$119$65$7
45 years$606$357$201$110$59$6
46 years$587$341$189$101$53$5
47 years$568$325$178$94$48$4
48 years$549$310$167$87$44$4
49 years$532$296$157$80$40$3
50 years$516$283$148$74$36$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $528,000, adding $6,225 every year, while hoping to spend $32,477 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: 46/46/8 Blend
51$528,000$528,000$528,000$528,000
52$588,277$560,293$552,109$613,758
53$613,726$553,192$536,049$624,861
54$640,682$544,655$518,363$633,022
55$669,265$534,576$498,962$641,125
56$699,606$522,846$477,753$649,175
57$731,846$509,346$454,638$657,179
58$766,143$493,952$429,517$665,148
59$802,667$476,533$402,283$673,098
60$841,605$456,950$372,826$681,046
61$883,163$435,054$341,029$689,015
62$927,564$410,691$306,772$697,035
63$975,056$383,694$269,929$705,140
64$1,025,907$353,891$230,367$713,372
65$1,080,414$321,096$187,949$721,781
66$1,138,901$285,115$142,531$730,426
67$1,201,725$245,742$93,962$739,376
68$1,269,277$202,759$42,085$748,711
69$1,341,986$155,937$0$758,523
70$1,420,324$105,033$0$770,056
71$1,504,807$49,790$0$786,206
72$1,596,006$0$0$803,536
73$1,694,545$0$0$827,316
74$1,801,111$0$0$880,339
75$1,916,458$0$0$937,781
76$2,041,418$0$0$1,000,064
77$2,176,902$0$0$1,067,648
78$2,323,914$0$0$1,141,042
79$2,483,558$0$0$1,220,803
80$2,657,048$0$0$1,307,547
81$2,845,719$0$0$1,401,948
82$3,051,040$0$0$1,504,750
83$3,274,629$0$0$1,616,772
84$3,518,264$0$0$1,738,915
85$3,783,902$0$0$1,872,168
86$4,073,699$0$0$2,017,624
87$4,390,026$0$0$2,176,483
88$4,735,494$0$0$2,350,067
89$5,112,977$0$0$2,539,832
90$5,525,639$0$0$2,747,379
91$5,976,963$0$0$2,974,474
92$6,470,785$0$0$3,223,058
93$7,011,328$0$0$3,495,271
94$7,603,243$0$0$3,793,469
95$8,251,652$0$0$4,120,246
96$8,962,194$0$0$4,478,459
97$9,741,080$0$0$4,871,256
98$10,595,152$0$0$5,302,101
99$11,531,945$0$0$5,774,813
100$12,559,758$0$0$6,293,597