Can I retire at age 52 with 561,000?

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 $561,000?

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%
1 years$46,327$45,914$45,512$45,119$44,735$44,528
2 years$22,934$22,507$22,093$21,692$21,302$21,093
3 years$15,138$14,709$14,296$13,898$13,515$13,310
4 years$11,240$10,812$10,404$10,013$9,639$9,441
5 years$8,902$8,477$8,074$7,691$7,327$7,136
6 years$7,344$6,922$6,525$6,150$5,798$5,613
7 years$6,232$5,813$5,422$5,057$4,715$4,537
8 years$5,398$4,983$4,598$4,242$3,912$3,741
9 years$4,749$4,339$3,961$3,613$3,294$3,130
10 years$4,231$3,824$3,453$3,115$2,807$2,650
11 years$3,807$3,404$3,040$2,711$2,414$2,264
12 years$3,454$3,056$2,698$2,378$2,092$1,949
13 years$3,156$2,761$2,410$2,099$1,824$1,687
14 years$2,900$2,510$2,166$1,863$1,599$1,469
15 years$2,679$2,293$1,955$1,662$1,408$1,284
16 years$2,485$2,104$1,773$1,488$1,244$1,126
17 years$2,315$1,938$1,613$1,337$1,103$991
18 years$2,164$1,790$1,473$1,205$981$875
19 years$2,028$1,659$1,348$1,089$874$774
20 years$1,907$1,542$1,237$986$781$686
21 years$1,797$1,436$1,138$895$699$609
22 years$1,697$1,341$1,049$814$627$541
23 years$1,606$1,254$968$741$562$482
24 years$1,523$1,175$896$676$505$430
25 years$1,446$1,102$830$617$455$383
26 years$1,376$1,036$769$564$410$342
27 years$1,311$975$714$517$369$306
28 years$1,250$919$664$473$333$274
29 years$1,194$867$618$434$301$245
30 years$1,142$819$576$398$272$219
31 years$1,093$774$537$366$246$197
32 years$1,047$732$501$336$222$176
33 years$1,005$693$468$309$201$158
34 years$964$657$437$284$182$142
35 years$927$623$408$262$165$127
36 years$891$592$382$241$150$114
37 years$857$562$358$222$136$103
38 years$826$534$335$205$123$92
39 years$795$508$314$189$111$83
40 years$767$483$294$174$101$74
41 years$740$460$276$161$92$67
42 years$714$438$259$148$83$60
43 years$690$417$243$137$76$54
44 years$667$398$228$126$69$49
45 years$644$379$214$117$62$44
46 years$623$362$201$108$56$39
47 years$603$345$189$100$51$35
48 years$584$330$177$92$47$32
49 years$565$315$167$85$42$29
50 years$548$301$157$79$38$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $561,000, adding $6,525 every year, while hoping to spend $40,939 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: 33/39/28 Blend
51$561,000$561,000$561,000$561,000
52$624,953$595,220$586,524$640,091
53$645,139$580,827$562,614$637,750
54$666,012$564,356$536,530$631,139
55$687,599$545,663$508,158$623,220
56$709,928$524,595$477,375$613,903
57$733,029$500,988$444,055$603,098
58$756,933$474,671$408,066$590,706
59$781,672$445,462$369,268$576,626
60$807,282$413,170$327,519$560,749
61$833,800$377,590$282,665$542,963
62$861,264$338,508$234,551$523,148
63$889,715$295,698$183,011$501,178
64$919,198$248,918$127,873$476,922
65$949,758$197,917$68,959$450,242
66$981,444$142,425$6,080$420,990
67$1,014,308$82,162$0$389,015
68$1,048,407$16,827$0$372,387
69$1,083,799$0$0$355,828
70$1,120,547$0$0$360,537
71$1,158,719$0$0$372,939
72$1,198,386$0$0$385,838
73$1,239,626$0$0$399,262
74$1,282,521$0$0$413,238
75$1,327,160$0$0$427,796
76$1,373,637$0$0$442,971
77$1,422,055$0$0$458,796
78$1,472,523$0$0$475,312
79$1,525,159$0$0$492,558
80$1,580,091$0$0$510,579
81$1,637,457$0$0$529,423
82$1,697,404$0$0$549,142
83$1,760,092$0$0$569,793
84$1,825,696$0$0$591,437
85$1,894,402$0$0$614,139
86$1,966,415$0$0$637,972
87$2,041,955$0$0$663,013
88$2,121,261$0$0$689,347
89$2,204,594$0$0$717,067
90$2,292,237$0$0$746,272
91$2,384,496$0$0$777,073
92$2,481,707$0$0$809,587
93$2,584,234$0$0$843,945
94$2,692,475$0$0$880,289
95$2,806,863$0$0$918,774
96$2,927,870$0$0$959,567
97$3,056,014$0$0$1,002,855
98$3,191,858$0$0$1,048,838
99$3,336,018$0$0$1,097,738
100$3,489,167$0$0$1,149,796