Can I retire at age 52 with 548,000?

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 $548,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$45,253$44,850$44,457$44,073$43,698$42,048
2 years$22,403$21,985$21,581$21,189$20,809$19,165
3 years$14,787$14,368$13,964$13,576$13,202$11,617
4 years$10,980$10,562$10,162$9,781$9,416$7,901
5 years$8,696$8,281$7,887$7,513$7,158$5,717
6 years$7,174$6,762$6,373$6,008$5,664$4,299
7 years$6,087$5,678$5,296$4,939$4,606$3,316
8 years$5,272$4,867$4,492$4,144$3,821$2,605
9 years$4,639$4,238$3,869$3,529$3,218$2,074
10 years$4,133$3,736$3,373$3,042$2,742$1,668
11 years$3,719$3,326$2,969$2,648$2,358$1,352
12 years$3,374$2,985$2,635$2,322$2,043$1,103
13 years$3,083$2,697$2,354$2,050$1,782$904
14 years$2,833$2,452$2,115$1,820$1,562$744
15 years$2,617$2,240$1,910$1,623$1,375$614
16 years$2,428$2,055$1,732$1,453$1,216$508
17 years$2,261$1,893$1,576$1,306$1,078$421
18 years$2,113$1,749$1,438$1,177$958$350
19 years$1,981$1,621$1,317$1,063$854$291
20 years$1,862$1,506$1,209$963$763$242
21 years$1,755$1,403$1,112$874$683$202
22 years$1,658$1,310$1,025$795$612$168
23 years$1,569$1,225$946$724$549$141
24 years$1,488$1,148$875$660$494$117
25 years$1,413$1,077$810$603$444$98
26 years$1,344$1,012$752$551$400$82
27 years$1,280$953$698$505$361$69
28 years$1,221$898$649$462$326$57
29 years$1,167$847$604$424$294$48
30 years$1,115$800$562$389$266$40
31 years$1,068$756$524$357$240$34
32 years$1,023$715$489$328$217$28
33 years$981$677$457$302$197$24
34 years$942$642$427$278$178$20
35 years$905$609$399$256$161$16
36 years$870$578$373$236$146$14
37 years$837$549$349$217$132$12
38 years$806$522$327$200$120$10
39 years$777$496$306$184$109$8
40 years$749$472$287$170$99$7
41 years$723$449$269$157$90$6
42 years$698$428$253$145$81$5
43 years$674$408$237$134$74$4
44 years$651$389$223$123$67$3
45 years$629$371$209$114$61$3
46 years$609$354$196$105$55$2
47 years$589$337$184$97$50$2
48 years$570$322$173$90$46$2
49 years$552$308$163$83$41$1
50 years$535$294$153$77$38$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $548,000, adding $3,535 every year, while hoping to spend $27,739 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: 49/27/24 Blend
51$548,000$548,000$548,000$548,000
52$607,542$578,498$570,004$633,033
53$639,998$577,331$559,585$650,006
54$674,834$575,176$547,888$665,371
55$712,264$571,957$534,839$681,503
56$752,523$567,591$520,364$698,485
57$795,868$561,991$504,384$716,413
58$842,582$555,063$486,816$735,393
59$892,975$546,711$467,574$755,543
60$947,388$536,830$446,568$776,996
61$1,006,196$525,309$423,703$799,899
62$1,069,811$512,032$398,880$824,417
63$1,138,686$496,876$371,996$850,735
64$1,213,318$479,709$342,945$879,057
65$1,294,255$460,394$311,612$909,612
66$1,382,099$438,783$277,881$942,655
67$1,477,512$414,722$241,628$978,468
68$1,581,221$388,046$202,726$1,017,367
69$1,694,028$358,583$161,040$1,059,701
70$1,816,815$326,150$116,431$1,105,862
71$1,950,551$290,552$68,752$1,156,280
72$2,096,303$251,585$17,851$1,211,437
73$2,255,246$209,032$0$1,271,866
74$2,428,673$162,666$0$1,347,499
75$2,618,005$112,245$0$1,435,139
76$2,824,811$57,514$0$1,530,983
77$3,050,813$0$0$1,635,885
78$3,297,910$0$0$1,751,325
79$3,568,193$0$0$1,896,343
80$3,863,962$0$0$2,055,095
81$4,187,752$0$0$2,228,947
82$4,542,352$0$0$2,419,405
83$4,930,837$0$0$2,628,128
84$5,356,590$0$0$2,856,941
85$5,823,338$0$0$3,107,857
86$6,335,186$0$0$3,383,091
87$6,896,655$0$0$3,685,083
88$7,512,726$0$0$4,016,522
89$8,188,883$0$0$4,380,367
90$8,931,169$0$0$4,779,880
91$9,746,239$0$0$5,218,654
92$10,641,426$0$0$5,700,647
93$11,624,804$0$0$6,230,218
94$12,705,273$0$0$6,812,171
95$13,892,634$0$0$7,451,797
96$15,197,686$0$0$8,154,926
97$16,632,325$0$0$8,927,979
98$18,209,658$0$0$9,778,034
99$19,944,126$0$0$10,712,885
100$21,851,637$0$0$11,741,121