Can I retire at age 52 with 539,000?

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 $539,000?

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$44,510$44,114$43,727$43,349$42,981$42,800
2 years$22,035$21,624$21,227$20,841$20,467$20,284
3 years$14,544$14,132$13,735$13,353$12,985$12,806
4 years$10,799$10,388$9,996$9,620$9,261$9,087
5 years$8,553$8,145$7,757$7,389$7,040$6,872
6 years$7,056$6,651$6,269$5,909$5,571$5,409
7 years$5,987$5,585$5,209$4,858$4,530$4,375
8 years$5,186$4,788$4,418$4,075$3,758$3,609
9 years$4,563$4,168$3,805$3,471$3,165$3,022
10 years$4,065$3,674$3,317$2,992$2,697$2,559
11 years$3,658$3,271$2,921$2,604$2,319$2,188
12 years$3,319$2,936$2,592$2,284$2,010$1,884
13 years$3,032$2,653$2,316$2,017$1,753$1,633
14 years$2,786$2,412$2,081$1,790$1,536$1,422
15 years$2,574$2,203$1,879$1,597$1,353$1,244
16 years$2,388$2,021$1,703$1,430$1,196$1,092
17 years$2,224$1,862$1,550$1,284$1,060$962
18 years$2,079$1,720$1,415$1,158$943$849
19 years$1,949$1,594$1,295$1,046$840$752
20 years$1,832$1,481$1,189$947$750$667
21 years$1,726$1,380$1,093$860$672$592
22 years$1,630$1,288$1,008$782$602$527
23 years$1,543$1,205$930$712$540$470
24 years$1,463$1,129$861$649$486$419
25 years$1,390$1,059$797$593$437$374
26 years$1,322$996$739$542$394$334
27 years$1,259$937$686$496$355$299
28 years$1,201$883$638$455$320$268
29 years$1,147$833$594$417$289$240
30 years$1,097$787$553$383$261$215
31 years$1,050$744$516$351$236$193
32 years$1,006$704$481$323$214$173
33 years$965$666$449$297$193$155
34 years$927$631$420$273$175$139
35 years$890$599$392$252$159$125
36 years$856$568$367$232$144$113
37 years$824$540$344$213$130$101
38 years$793$513$322$197$118$91
39 years$764$488$301$181$107$82
40 years$737$464$283$167$97$74
41 years$711$442$265$154$88$66
42 years$686$421$249$142$80$60
43 years$663$401$233$132$73$54
44 years$640$382$219$121$66$48
45 years$619$364$206$112$60$43
46 years$599$348$193$104$54$39
47 years$579$332$181$96$49$35
48 years$561$317$170$88$45$32
49 years$543$302$160$82$41$28
50 years$526$289$151$76$37$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $539,000, adding $3,982 every year, while hoping to spend $30,535 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: 66/14/20 Blend
51$539,000$539,000$539,000$539,000
52$598,085$569,518$561,164$634,299
53$626,601$564,936$547,474$654,497
54$657,002$559,105$532,302$672,698
55$689,448$551,933$515,566$691,870
56$724,115$543,321$497,180$712,107
57$761,195$533,164$477,056$733,515
58$800,898$521,350$455,099$756,212
59$843,456$507,762$431,211$780,328
60$889,121$492,276$405,290$806,010
61$938,174$474,760$377,229$833,417
62$990,918$455,073$346,916$862,728
63$1,047,689$433,070$314,235$894,141
64$1,108,855$408,592$279,064$927,877
65$1,174,821$381,475$241,275$964,178
66$1,246,030$351,545$200,736$1,003,315
67$1,322,971$318,617$157,306$1,045,587
68$1,406,180$282,495$110,842$1,091,326
69$1,496,247$242,974$61,192$1,140,898
70$1,593,820$199,835$8,197$1,194,712
71$1,699,612$152,849$0$1,253,216
72$1,814,405$101,772$0$1,327,230
73$1,939,063$46,347$0$1,409,525
74$2,074,532$0$0$1,498,997
75$2,221,857$0$0$1,598,474
76$2,382,184$0$0$1,714,531
77$2,556,776$0$0$1,840,946
78$2,747,022$0$0$1,978,728
79$2,954,451$0$0$2,128,989
80$3,180,746$0$0$2,292,953
81$3,427,758$0$0$2,471,965
82$3,697,527$0$0$2,667,508
83$3,992,296$0$0$2,881,214
84$4,314,537$0$0$3,114,878
85$4,666,970$0$0$3,370,480
86$5,052,589$0$0$3,650,196
87$5,474,695$0$0$3,956,425
88$5,936,917$0$0$4,291,808
89$6,443,256$0$0$4,659,252
90$6,998,115$0$0$5,061,960
91$7,606,347$0$0$5,503,460
92$8,273,292$0$0$5,987,635
93$9,004,835$0$0$6,518,766
94$9,807,457$0$0$7,101,564
95$10,688,297$0$0$7,741,221
96$11,655,217$0$0$8,443,455
97$12,716,880$0$0$9,214,565
98$13,882,827$0$0$10,061,489
99$15,163,568$0$0$10,991,871
100$16,570,682$0$0$12,014,131