Can I retire at age 52 with 534,000?

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 $534,000?

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$44,097$43,704$43,321$42,947$42,582$41,963
2 years$21,830$21,424$21,030$20,648$20,277$19,655
3 years$14,409$14,001$13,608$13,229$12,865$12,258
4 years$10,699$10,292$9,903$9,531$9,175$8,590
5 years$8,474$8,069$7,685$7,321$6,975$6,412
6 years$6,991$6,589$6,211$5,854$5,519$4,979
7 years$5,932$5,533$5,161$4,813$4,488$3,971
8 years$5,138$4,743$4,377$4,038$3,724$3,230
9 years$4,521$4,130$3,770$3,439$3,136$2,665
10 years$4,027$3,640$3,287$2,965$2,672$2,223
11 years$3,624$3,241$2,894$2,580$2,298$1,872
12 years$3,288$2,909$2,568$2,263$1,991$1,587
13 years$3,004$2,629$2,294$1,998$1,736$1,353
14 years$2,761$2,389$2,061$1,774$1,522$1,159
15 years$2,550$2,183$1,861$1,582$1,340$997
16 years$2,366$2,003$1,687$1,416$1,184$860
17 years$2,204$1,844$1,536$1,272$1,050$745
18 years$2,059$1,704$1,402$1,147$934$646
19 years$1,931$1,579$1,283$1,036$832$561
20 years$1,815$1,468$1,178$938$743$489
21 years$1,710$1,367$1,083$852$665$426
22 years$1,615$1,276$998$774$596$372
23 years$1,529$1,194$922$705$535$326
24 years$1,450$1,118$853$643$481$285
25 years$1,377$1,049$790$587$433$249
26 years$1,310$986$732$537$390$219
27 years$1,248$928$680$492$352$192
28 years$1,190$875$632$450$317$168
29 years$1,137$825$588$413$286$148
30 years$1,087$779$548$379$259$130
31 years$1,041$737$511$348$234$114
32 years$997$697$477$320$212$100
33 years$956$660$445$294$192$88
34 years$918$626$416$271$173$77
35 years$882$593$389$249$157$68
36 years$848$563$364$230$142$60
37 years$816$535$340$211$129$53
38 years$786$508$319$195$117$46
39 years$757$483$299$180$106$41
40 years$730$460$280$166$96$36
41 years$704$438$262$153$87$32
42 years$680$417$246$141$79$28
43 years$657$397$231$130$72$25
44 years$634$379$217$120$65$22
45 years$613$361$204$111$59$19
46 years$593$344$191$103$54$17
47 years$574$329$180$95$49$15
48 years$556$314$169$88$44$13
49 years$538$300$159$81$40$11
50 years$521$286$149$75$37$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $534,000, adding $4,142 every year, while hoping to spend $39,212 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: 50/21/29 Blend
51$534,000$534,000$534,000$534,000
52$592,740$564,438$556,161$617,327
53$611,479$550,375$533,072$620,899
54$630,814$534,308$507,894$620,560
55$650,766$516,098$480,517$619,433
56$671,355$495,597$450,825$617,462
57$692,601$472,649$418,696$614,586
58$714,527$447,090$384,003$610,744
59$737,154$418,743$346,613$605,870
60$760,507$387,424$306,387$599,894
61$784,608$352,937$263,181$592,744
62$809,484$315,077$216,843$584,341
63$835,160$273,624$167,215$574,606
64$861,662$228,348$114,133$563,453
65$889,019$179,004$57,424$550,791
66$917,260$125,336$0$536,527
67$946,414$67,072$0$521,519
68$976,513$3,923$0$523,729
69$1,007,590$0$0$525,320
70$1,039,678$0$0$541,125
71$1,072,813$0$0$558,382
72$1,107,030$0$0$576,205
73$1,142,369$0$0$594,612
74$1,178,868$0$0$613,626
75$1,216,569$0$0$633,268
76$1,255,516$0$0$653,560
77$1,295,754$0$0$674,527
78$1,337,329$0$0$696,193
79$1,380,291$0$0$718,583
80$1,424,692$0$0$741,727
81$1,470,585$0$0$765,651
82$1,518,028$0$0$790,385
83$1,567,080$0$0$815,962
84$1,617,802$0$0$842,414
85$1,670,261$0$0$869,775
86$1,724,524$0$0$898,083
87$1,780,666$0$0$927,375
88$1,838,762$0$0$957,692
89$1,898,892$0$0$989,076
90$1,961,141$0$0$1,021,573
91$2,025,600$0$0$1,055,231
92$2,092,363$0$0$1,090,100
93$2,161,530$0$0$1,126,233
94$2,233,209$0$0$1,163,688
95$2,307,511$0$0$1,202,524
96$2,384,558$0$0$1,242,806
97$2,464,476$0$0$1,284,602
98$2,547,402$0$0$1,327,984
99$2,633,480$0$0$1,373,031
100$2,722,865$0$0$1,419,824