Can I retire at age 52 with 554,000?

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 $554,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$45,749$45,341$44,944$44,556$44,177$43,607
2 years$22,648$22,226$21,817$21,421$21,037$20,463
3 years$14,949$14,525$14,117$13,725$13,346$12,787
4 years$11,100$10,677$10,274$9,888$9,519$8,978
5 years$8,791$8,371$7,973$7,595$7,236$6,716
6 years$7,252$6,836$6,443$6,074$5,726$5,226
7 years$6,154$5,741$5,354$4,993$4,656$4,178
8 years$5,330$4,921$4,541$4,189$3,863$3,406
9 years$4,690$4,284$3,911$3,568$3,253$2,817
10 years$4,178$3,777$3,410$3,076$2,772$2,356
11 years$3,760$3,362$3,002$2,677$2,384$1,988
12 years$3,411$3,018$2,664$2,348$2,066$1,690
13 years$3,116$2,727$2,380$2,073$1,801$1,444
14 years$2,864$2,479$2,139$1,840$1,579$1,241
15 years$2,645$2,264$1,931$1,641$1,390$1,070
16 years$2,454$2,078$1,751$1,469$1,229$926
17 years$2,286$1,913$1,593$1,320$1,090$804
18 years$2,137$1,768$1,454$1,190$969$699
19 years$2,003$1,639$1,331$1,075$864$610
20 years$1,883$1,523$1,222$974$771$532
21 years$1,774$1,418$1,124$884$690$466
22 years$1,676$1,324$1,036$803$619$408
23 years$1,586$1,238$956$732$555$358
24 years$1,504$1,160$884$667$499$314
25 years$1,428$1,089$819$609$449$276
26 years$1,359$1,023$760$557$405$243
27 years$1,294$963$705$510$365$213
28 years$1,235$907$656$467$329$188
29 years$1,179$856$610$429$297$166
30 years$1,128$808$568$393$269$146
31 years$1,080$764$530$361$243$129
32 years$1,034$723$494$332$220$113
33 years$992$685$462$305$199$100
34 years$952$649$431$281$180$88
35 years$915$616$403$259$163$78
36 years$880$584$377$238$148$69
37 years$847$555$353$219$134$61
38 years$815$527$331$202$121$54
39 years$786$502$310$186$110$47
40 years$757$477$290$172$100$42
41 years$731$454$272$159$91$37
42 years$705$433$255$146$82$33
43 years$681$412$240$135$75$29
44 years$658$393$225$125$68$25
45 years$636$375$211$115$61$23
46 years$615$357$198$106$56$20
47 years$596$341$186$98$51$18
48 years$577$326$175$91$46$16
49 years$558$311$165$84$42$14
50 years$541$297$155$78$38$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $554,000, adding $3,353 every year, while hoping to spend $30,132 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: 59/20/21 Blend
51$554,000$554,000$554,000$554,000
52$613,967$584,605$576,018$646,588
53$644,531$581,190$563,254$665,710
54$677,203$576,598$549,053$682,985
55$712,166$570,740$533,334$701,157
56$749,621$563,520$516,015$720,318
57$789,787$554,837$497,006$740,572
58$832,907$544,586$476,218$762,033
59$879,247$532,654$453,554$784,831
60$929,096$518,920$428,915$809,106
61$982,775$503,259$402,195$835,019
62$1,040,636$485,536$373,285$862,746
63$1,103,063$465,609$342,073$892,483
64$1,170,480$443,329$308,437$924,448
65$1,243,354$418,537$272,254$958,884
66$1,322,195$391,064$233,394$996,060
67$1,407,567$360,734$191,721$1,036,276
68$1,500,088$327,359$147,092$1,079,863
69$1,600,437$290,741$99,361$1,127,190
70$1,709,364$250,669$48,371$1,178,666
71$1,827,690$206,923$0$1,234,745
72$1,956,321$159,268$0$1,297,283
73$2,096,251$107,458$0$1,377,138
74$2,248,576$51,231$0$1,464,118
75$2,414,502$0$0$1,558,947
76$2,595,354$0$0$1,664,559
77$2,792,592$0$0$1,792,079
78$3,007,822$0$0$1,931,273
79$3,242,813$0$0$2,083,293
80$3,499,511$0$0$2,249,401
81$3,780,059$0$0$2,430,992
82$4,086,816$0$0$2,629,597
83$4,422,380$0$0$2,846,906
84$4,789,611$0$0$3,084,776
85$5,191,658$0$0$3,345,255
86$5,631,990$0$0$3,630,597
87$6,114,425$0$0$3,943,283
88$6,643,169$0$0$4,286,048
89$7,222,855$0$0$4,661,903
90$7,858,585$0$0$5,074,162
91$8,555,978$0$0$5,526,480
92$9,321,222$0$0$6,022,879
93$10,161,137$0$0$6,567,791
94$11,083,231$0$0$7,166,096
95$12,095,777$0$0$7,823,174
96$13,207,888$0$0$8,544,946
97$14,429,601$0$0$9,337,939
98$15,771,977$0$0$10,209,342
99$17,247,197$0$0$11,167,074
100$18,868,684$0$0$12,219,861