Can I retire at age 52 with 559,000?

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 $559,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$46,162$45,751$45,349$44,958$44,575$43,028
2 years$22,852$22,427$22,014$21,614$21,226$19,683
3 years$15,084$14,656$14,245$13,849$13,467$11,977
4 years$11,200$10,774$10,366$9,977$9,605$8,179
5 years$8,870$8,447$8,045$7,663$7,301$5,944
6 years$7,318$6,897$6,501$6,128$5,777$4,489
7 years$6,209$5,792$5,403$5,039$4,698$3,479
8 years$5,378$4,965$4,582$4,227$3,898$2,746
9 years$4,732$4,323$3,946$3,600$3,283$2,197
10 years$4,216$3,811$3,441$3,103$2,797$1,776
11 years$3,793$3,392$3,029$2,701$2,405$1,447
12 years$3,442$3,045$2,688$2,369$2,084$1,187
13 years$3,144$2,752$2,402$2,092$1,818$978
14 years$2,890$2,501$2,158$1,857$1,593$809
15 years$2,669$2,285$1,948$1,656$1,403$671
16 years$2,477$2,096$1,766$1,483$1,240$559
17 years$2,307$1,931$1,607$1,332$1,099$466
18 years$2,156$1,784$1,467$1,200$978$389
19 years$2,021$1,653$1,343$1,085$871$326
20 years$1,900$1,536$1,233$982$778$273
21 years$1,790$1,431$1,134$892$696$229
22 years$1,691$1,336$1,045$811$624$192
23 years$1,600$1,249$965$738$560$161
24 years$1,517$1,171$892$673$504$136
25 years$1,441$1,099$827$615$453$114
26 years$1,371$1,032$767$562$408$96
27 years$1,306$972$712$515$368$81
28 years$1,246$916$662$472$332$68
29 years$1,190$864$616$432$300$57
30 years$1,138$816$574$397$271$48
31 years$1,089$771$535$364$245$41
32 years$1,044$730$499$335$222$34
33 years$1,001$691$466$308$201$29
34 years$961$655$435$283$182$24
35 years$923$621$407$261$164$20
36 years$888$590$381$240$149$17
37 years$854$560$356$221$135$15
38 years$823$532$334$204$122$12
39 years$793$506$313$188$111$10
40 years$764$481$293$174$101$9
41 years$737$458$275$160$91$7
42 years$712$436$258$148$83$6
43 years$687$416$242$136$75$5
44 years$664$396$227$126$68$4
45 years$642$378$213$116$62$4
46 years$621$361$200$107$56$3
47 years$601$344$188$99$51$3
48 years$582$329$177$92$46$2
49 years$563$314$166$85$42$2
50 years$546$300$156$78$38$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $559,000, adding $6,188 every year, while hoping to spend $42,847 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: 73/14/13 Blend
51$559,000$559,000$559,000$559,000
52$622,401$592,774$584,109$665,683
53$640,297$576,231$558,088$678,606
54$658,582$557,441$529,759$686,874
55$677,251$536,250$499,000$694,774
56$696,297$512,492$465,682$702,261
57$715,709$485,994$429,672$709,283
58$735,475$456,571$390,831$715,784
59$755,581$424,031$349,010$721,704
60$776,008$388,165$304,060$726,978
61$796,734$348,759$255,819$731,535
62$817,733$305,580$204,121$735,299
63$838,976$258,388$148,794$738,187
64$860,428$206,925$89,654$740,108
65$882,047$150,921$26,514$740,965
66$903,789$90,088$0$740,653
67$925,599$24,126$0$744,724
68$947,416$0$0$751,680
69$969,173$0$0$765,019
70$990,789$0$0$781,947
71$1,012,178$0$0$798,678
72$1,033,239$0$0$815,129
73$1,053,859$0$0$831,211
74$1,073,912$0$0$846,821
75$1,093,256$0$0$861,844
76$1,111,732$0$0$876,152
77$1,129,162$0$0$889,600
78$1,145,347$0$0$902,029
79$1,160,064$0$0$913,259
80$1,173,067$0$0$923,090
81$1,184,077$0$0$931,299
82$1,192,789$0$0$937,638
83$1,198,860$0$0$941,831
84$1,201,908$0$0$943,572
85$1,201,511$0$0$942,518
86$1,197,200$0$0$938,292
87$1,188,453$0$0$930,474
88$1,174,691$0$0$918,597
89$1,155,273$0$0$902,145
90$1,129,489$0$0$880,545
91$1,096,551$0$0$853,163
92$1,055,587$0$0$819,297
93$1,005,631$0$0$778,168
94$945,614$0$0$728,915
95$874,353$0$0$670,588
96$790,542$0$0$602,131
97$692,732$0$0$522,382
98$579,324$0$0$430,050
99$448,550$0$0$323,715
100$298,457$0$0$201,801