Can I retire at age 52 with 558,000?

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 $558,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$46,079$45,669$45,268$44,877$44,496$43,315
2 years$22,811$22,387$21,975$21,576$21,188$20,007
3 years$15,057$14,630$14,219$13,824$13,443$12,298
4 years$11,180$10,755$10,348$9,959$9,588$8,487
5 years$8,854$8,432$8,030$7,650$7,288$6,236
6 years$7,305$6,885$6,490$6,117$5,767$4,764
7 years$6,198$5,782$5,393$5,030$4,690$3,737
8 years$5,369$4,956$4,574$4,219$3,891$2,986
9 years$4,724$4,315$3,939$3,594$3,277$2,420
10 years$4,208$3,804$3,434$3,098$2,792$1,982
11 years$3,787$3,386$3,024$2,696$2,401$1,637
12 years$3,436$3,039$2,683$2,365$2,081$1,361
13 years$3,139$2,747$2,397$2,088$1,814$1,138
14 years$2,885$2,497$2,154$1,853$1,591$955
15 years$2,665$2,281$1,945$1,653$1,400$805
16 years$2,472$2,093$1,763$1,480$1,238$680
17 years$2,303$1,927$1,605$1,330$1,097$576
18 years$2,152$1,781$1,465$1,198$976$489
19 years$2,017$1,650$1,341$1,083$870$415
20 years$1,896$1,534$1,231$981$777$354
21 years$1,787$1,429$1,132$890$695$301
22 years$1,688$1,333$1,043$809$623$257
23 years$1,597$1,247$963$737$559$220
24 years$1,515$1,169$891$672$503$188
25 years$1,439$1,097$825$614$452$161
26 years$1,369$1,031$765$561$408$137
27 years$1,304$970$711$514$367$118
28 years$1,244$914$661$471$332$101
29 years$1,188$862$615$432$299$86
30 years$1,136$814$573$396$271$74
31 years$1,087$770$534$364$245$63
32 years$1,042$728$498$334$221$54
33 years$999$690$465$307$200$47
34 years$959$654$435$283$181$40
35 years$922$620$406$260$164$34
36 years$886$589$380$240$149$29
37 years$853$559$356$221$135$25
38 years$821$531$333$204$122$22
39 years$791$505$312$188$111$19
40 years$763$481$293$173$101$16
41 years$736$457$274$160$91$14
42 years$710$436$257$148$83$12
43 years$686$415$241$136$75$10
44 years$663$396$227$126$68$9
45 years$641$377$213$116$62$7
46 years$620$360$200$107$56$6
47 years$600$344$188$99$51$5
48 years$581$328$176$92$46$5
49 years$562$313$166$85$42$4
50 years$545$299$156$78$38$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $558,000, adding $5,716 every year, while hoping to spend $40,748 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: 31/47/22 Blend
51$558,000$558,000$558,000$558,000
52$620,812$591,238$582,589$635,678
53$640,779$576,853$558,750$633,041
54$661,418$560,398$532,747$626,151
55$682,752$541,727$504,464$617,891
56$704,810$520,689$473,781$608,167
57$727,618$497,121$440,570$596,881
58$751,208$470,851$404,701$583,928
59$775,608$441,700$366,036$569,199
60$800,852$409,476$324,431$552,578
61$826,974$373,976$279,734$533,941
62$854,011$334,985$231,790$513,162
63$882,000$292,279$180,435$490,103
64$910,981$245,618$125,497$464,623
65$940,997$194,750$66,798$436,570
66$972,094$139,408$4,150$405,787
67$1,004,319$79,310$0$372,106
68$1,037,722$14,159$0$350,072
69$1,072,358$0$0$326,777
70$1,108,283$0$0$330,250
71$1,145,559$0$0$341,461
72$1,184,250$0$0$353,108
73$1,224,426$0$0$365,212
74$1,266,161$0$0$377,797
75$1,309,533$0$0$390,889
76$1,354,627$0$0$404,515
77$1,401,534$0$0$418,705
78$1,450,350$0$0$433,488
79$1,501,180$0$0$448,901
80$1,554,135$0$0$464,977
81$1,609,338$0$0$481,758
82$1,666,916$0$0$499,285
83$1,727,010$0$0$517,604
84$1,789,770$0$0$536,765
85$1,855,361$0$0$556,820
86$1,923,957$0$0$577,828
87$1,995,750$0$0$599,852
88$2,070,945$0$0$622,959
89$2,149,766$0$0$647,224
90$2,232,456$0$0$672,726
91$2,319,278$0$0$699,554
92$2,410,518$0$0$727,801
93$2,506,487$0$0$757,572
94$2,607,522$0$0$788,979
95$2,713,992$0$0$822,144
96$2,826,298$0$0$857,203
97$2,944,877$0$0$894,300
98$3,070,205$0$0$933,595
99$3,202,803$0$0$975,262
100$3,343,238$0$0$1,019,493