Can I retire at age 52 with 564,000?

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 $564,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$46,575$46,160$45,755$45,360$44,974$44,012
2 years$23,057$22,627$22,211$21,808$21,416$20,452
3 years$15,218$14,787$14,372$13,972$13,587$12,650
4 years$11,300$10,870$10,459$10,066$9,691$8,788
5 years$8,950$8,522$8,117$7,732$7,367$6,502
6 years$7,383$6,959$6,560$6,183$5,829$5,002
7 years$6,265$5,844$5,451$5,084$4,741$3,952
8 years$5,426$5,010$4,623$4,265$3,933$3,183
9 years$4,775$4,362$3,982$3,632$3,312$2,600
10 years$4,253$3,845$3,471$3,131$2,822$2,147
11 years$3,827$3,423$3,056$2,725$2,427$1,788
12 years$3,473$3,072$2,712$2,390$2,103$1,499
13 years$3,173$2,776$2,423$2,110$1,834$1,264
14 years$2,916$2,524$2,177$1,873$1,608$1,070
15 years$2,693$2,305$1,966$1,671$1,416$910
16 years$2,499$2,115$1,782$1,496$1,251$776
17 years$2,327$1,948$1,622$1,344$1,109$663
18 years$2,175$1,800$1,480$1,211$986$568
19 years$2,039$1,668$1,355$1,094$879$488
20 years$1,917$1,550$1,244$991$785$420
21 years$1,806$1,444$1,144$900$703$361
22 years$1,706$1,348$1,054$818$630$311
23 years$1,615$1,261$974$745$565$269
24 years$1,531$1,181$900$679$508$232
25 years$1,454$1,108$834$620$457$200
26 years$1,383$1,042$773$567$412$173
27 years$1,318$980$718$519$371$150
28 years$1,257$924$668$476$335$130
29 years$1,201$871$621$436$303$112
30 years$1,148$823$579$400$273$97
31 years$1,099$778$540$368$247$84
32 years$1,053$736$503$338$224$73
33 years$1,010$697$470$311$202$63
34 years$970$661$439$286$183$55
35 years$932$627$411$263$166$48
36 years$896$595$384$242$150$41
37 years$862$565$360$223$136$36
38 years$830$537$337$206$124$31
39 years$800$511$315$190$112$27
40 years$771$486$296$175$102$23
41 years$744$462$277$162$92$20
42 years$718$440$260$149$84$18
43 years$693$420$244$138$76$15
44 years$670$400$229$127$69$13
45 years$648$381$215$117$63$12
46 years$627$364$202$108$57$10
47 years$606$347$190$100$52$9
48 years$587$331$178$93$47$8
49 years$568$317$168$86$43$7
50 years$551$302$158$79$39$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $564,000, adding $6,672 every year, while hoping to spend $22,084 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: 51/43/6 Blend
51$564,000$564,000$564,000$564,000
52$628,410$598,518$589,776$659,208
53$669,011$604,348$586,036$686,706
54$713,013$609,724$581,431$713,630
55$760,739$614,600$575,908$742,368
56$812,546$618,927$569,413$773,092
57$868,825$622,653$561,888$805,998
58$930,006$625,725$553,272$841,297
59$996,564$628,082$543,504$879,226
60$1,069,019$629,664$532,517$920,047
61$1,147,945$630,403$520,242$964,046
62$1,233,973$630,230$506,607$1,011,543
63$1,327,797$629,071$491,538$1,062,890
64$1,430,182$626,844$474,954$1,118,475
65$1,541,969$623,468$456,773$1,178,730
66$1,664,084$618,853$436,909$1,244,128
67$1,797,547$612,903$415,273$1,315,195
68$1,943,481$605,520$391,769$1,392,511
69$2,103,122$596,596$366,298$1,476,716
70$2,277,831$586,019$338,759$1,568,518
71$2,469,105$573,670$309,044$1,668,699
72$2,678,596$559,422$277,039$1,778,123
73$2,908,121$543,142$242,628$1,897,744
74$3,159,681$524,688$205,688$2,028,614
75$3,435,481$503,910$166,091$2,171,898
76$3,737,948$480,649$123,702$2,328,880
77$4,069,756$454,738$78,384$2,500,978
78$4,433,850$425,999$29,989$2,689,759
79$4,833,475$394,246$0$2,896,953
80$5,272,204$359,278$0$3,125,854
81$5,753,973$320,887$0$3,379,323
82$6,283,118$278,851$0$3,657,775
83$6,864,417$232,935$0$3,963,790
84$7,503,132$182,893$0$4,300,213
85$8,205,060$128,464$0$4,670,184
86$8,976,588$69,370$0$5,077,169
87$9,824,752$5,321$0$5,524,990
88$10,757,304$0$0$6,017,866
89$11,782,784$0$0$6,590,729
90$12,910,603$0$0$7,223,596
91$14,151,128$0$0$7,919,774
92$15,515,781$0$0$8,685,683
93$17,017,148$0$0$9,528,395
94$18,669,095$0$0$10,455,701
95$20,486,901$0$0$11,476,188
96$22,487,400$0$0$12,599,316
97$24,689,142$0$0$13,835,509
98$27,112,564$0$0$15,196,252
99$29,780,186$0$0$16,694,200
100$32,716,824$0$0$18,343,299