Can I retire at age 52 with 532,000?

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 $532,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$43,932$43,541$43,159$42,786$42,422$41,806
2 years$21,749$21,343$20,951$20,570$20,201$19,581
3 years$14,355$13,948$13,557$13,180$12,816$12,212
4 years$10,659$10,253$9,866$9,495$9,141$8,557
5 years$8,442$8,039$7,656$7,293$6,949$6,388
6 years$6,964$6,564$6,187$5,832$5,498$4,960
7 years$5,909$5,513$5,142$4,795$4,472$3,957
8 years$5,119$4,725$4,361$4,023$3,710$3,218
9 years$4,504$4,114$3,756$3,426$3,124$2,655
10 years$4,012$3,627$3,274$2,954$2,662$2,215
11 years$3,610$3,229$2,883$2,570$2,289$1,865
12 years$3,276$2,898$2,558$2,255$1,984$1,581
13 years$2,993$2,619$2,286$1,990$1,730$1,348
14 years$2,750$2,380$2,054$1,767$1,516$1,155
15 years$2,540$2,174$1,854$1,576$1,335$993
16 years$2,357$1,995$1,681$1,411$1,180$857
17 years$2,195$1,837$1,530$1,268$1,046$742
18 years$2,052$1,698$1,396$1,142$930$643
19 years$1,923$1,574$1,278$1,032$829$559
20 years$1,808$1,462$1,173$935$741$487
21 years$1,704$1,362$1,079$849$663$425
22 years$1,609$1,271$995$772$594$371
23 years$1,523$1,189$918$703$533$324
24 years$1,444$1,114$849$641$479$284
25 years$1,372$1,045$787$585$431$249
26 years$1,305$983$730$535$389$218
27 years$1,243$925$677$490$350$191
28 years$1,186$871$630$449$316$168
29 years$1,132$822$586$412$285$147
30 years$1,083$776$546$378$258$129
31 years$1,037$734$509$347$233$114
32 years$993$694$475$319$211$100
33 years$953$658$443$293$191$88
34 years$915$623$414$270$173$77
35 years$879$591$387$248$157$68
36 years$845$561$362$229$142$60
37 years$813$533$339$211$129$53
38 years$783$506$318$194$117$46
39 years$754$482$298$179$106$41
40 years$727$458$279$165$96$36
41 years$702$436$261$152$87$32
42 years$677$415$245$141$79$28
43 years$654$396$230$130$72$24
44 years$632$377$216$120$65$22
45 years$611$360$203$111$59$19
46 years$591$343$191$102$54$17
47 years$572$328$179$94$49$15
48 years$554$313$168$87$44$13
49 years$536$299$158$81$40$11
50 years$519$285$149$75$36$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $532,000, adding $2,609 every year, while hoping to spend $23,016 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: 47/35/18 Blend
51$532,000$532,000$532,000$532,000
52$588,955$560,759$552,513$613,519
53$624,540$563,748$546,534$633,867
54$662,983$566,111$539,582$653,408
55$704,551$567,794$531,602$674,128
56$749,538$568,740$522,534$696,147
57$798,268$568,885$512,316$719,599
58$851,095$568,163$500,882$744,630
59$908,409$566,506$488,164$771,405
60$970,640$563,838$474,091$800,106
61$1,038,260$560,081$458,588$830,934
62$1,111,789$555,152$441,577$864,113
63$1,191,798$548,961$422,976$899,892
64$1,278,917$541,414$402,701$938,546
65$1,373,836$532,413$380,661$980,381
66$1,477,317$521,852$356,764$1,025,735
67$1,590,200$509,619$330,911$1,074,983
68$1,713,405$495,595$303,002$1,128,540
69$1,847,950$479,656$272,929$1,186,867
70$1,994,950$461,669$240,582$1,250,473
71$2,155,638$441,494$205,845$1,319,923
72$2,331,368$418,982$168,595$1,395,841
73$2,523,632$393,976$128,707$1,478,920
74$2,734,072$366,311$86,049$1,569,924
75$2,964,497$335,810$40,482$1,669,701
76$3,216,900$302,289$0$1,779,187
77$3,493,474$265,551$0$1,900,983
78$3,796,634$225,389$0$2,043,070
79$4,129,042$181,585$0$2,198,962
80$4,493,628$133,905$0$2,370,092
81$4,893,619$82,108$0$2,558,041
82$5,332,571$25,934$0$2,764,556
83$5,814,400$0$0$2,991,566
84$6,343,419$0$0$3,254,635
85$6,924,381$0$0$3,554,566
86$7,562,520$0$0$3,884,080
87$8,263,602$0$0$4,246,164
88$9,033,981$0$0$4,644,106
89$9,880,654$0$0$5,081,531
90$10,811,332$0$0$5,562,431
91$11,834,508$0$0$6,091,203
92$12,959,542$0$0$6,672,695
93$14,196,744$0$0$7,312,245
94$15,557,473$0$0$8,015,735
95$17,054,246$0$0$8,789,647
96$18,700,851$0$0$9,641,122
97$20,512,483$0$0$10,578,028
98$22,505,882$0$0$11,609,033
99$24,699,493$0$0$12,743,691
100$27,113,639$0$0$13,992,525