Can I retire at age 52 with 565,000?

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 $565,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$46,657$46,242$45,836$45,440$45,054$44,436
2 years$23,098$22,667$22,251$21,846$21,454$20,832
3 years$15,245$14,813$14,398$13,997$13,611$13,005
4 years$11,320$10,889$10,478$10,084$9,708$9,122
5 years$8,966$8,537$8,131$7,746$7,380$6,816
6 years$7,396$6,971$6,571$6,194$5,839$5,299
7 years$6,276$5,855$5,461$5,093$4,749$4,231
8 years$5,436$5,018$4,631$4,272$3,940$3,445
9 years$4,783$4,370$3,989$3,639$3,318$2,846
10 years$4,261$3,852$3,477$3,137$2,827$2,378
11 years$3,834$3,429$3,062$2,730$2,431$2,004
12 years$3,479$3,077$2,717$2,394$2,107$1,701
13 years$3,178$2,781$2,427$2,114$1,837$1,452
14 years$2,921$2,528$2,181$1,877$1,611$1,246
15 years$2,698$2,309$1,969$1,674$1,418$1,073
16 years$2,503$2,119$1,785$1,498$1,253$927
17 years$2,331$1,951$1,625$1,346$1,111$804
18 years$2,179$1,803$1,483$1,213$988$698
19 years$2,043$1,671$1,358$1,096$881$608
20 years$1,920$1,553$1,246$993$787$530
21 years$1,810$1,446$1,146$901$704$463
22 years$1,709$1,350$1,056$819$631$405
23 years$1,618$1,263$975$746$566$354
24 years$1,534$1,183$902$681$509$311
25 years$1,457$1,110$835$622$458$273
26 years$1,386$1,044$775$568$413$239
27 years$1,320$982$719$520$372$210
28 years$1,259$925$669$477$336$185
29 years$1,203$873$622$437$303$162
30 years$1,150$824$580$401$274$143
31 years$1,101$779$541$368$248$126
32 years$1,055$737$504$339$224$111
33 years$1,012$698$471$311$203$98
34 years$971$662$440$286$184$86
35 years$933$628$411$264$166$76
36 years$897$596$385$243$151$67
37 years$863$566$360$224$137$59
38 years$831$538$337$206$124$52
39 years$801$511$316$190$112$46
40 years$772$487$296$175$102$40
41 years$745$463$278$162$92$36
42 years$719$441$261$149$84$31
43 years$695$420$244$138$76$28
44 years$671$401$229$127$69$24
45 years$649$382$215$118$63$22
46 years$628$364$202$109$57$19
47 years$607$348$190$100$52$17
48 years$588$332$179$93$47$15
49 years$569$317$168$86$43$13
50 years$552$303$158$79$39$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $565,000, adding $5,680 every year, while hoping to spend $20,372 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: 27/48/25 Blend
51$565,000$565,000$565,000$565,000
52$628,489$598,544$589,786$640,417
53$670,919$606,197$587,869$658,036
54$716,994$613,542$585,204$674,796
55$767,065$620,543$581,745$692,368
56$821,517$627,160$577,445$710,833
57$880,773$633,353$572,250$730,285
58$945,300$639,075$566,109$750,825
59$1,015,612$644,281$558,965$772,568
60$1,092,273$648,920$550,759$795,642
61$1,175,905$652,937$541,430$820,189
62$1,267,193$656,277$530,913$846,367
63$1,366,889$658,877$519,142$874,352
64$1,475,824$660,673$506,045$904,340
65$1,594,909$661,598$491,548$936,550
66$1,725,150$661,577$475,576$971,223
67$1,867,654$660,533$458,046$1,008,630
68$2,023,640$658,384$438,876$1,049,069
69$2,194,449$655,042$417,976$1,092,874
70$2,381,559$650,415$395,254$1,140,412
71$2,586,597$644,405$370,614$1,192,096
72$2,811,356$636,907$343,956$1,248,378
73$3,057,809$627,810$315,174$1,309,764
74$3,328,131$616,999$284,157$1,376,813
75$3,624,717$604,347$250,793$1,450,147
76$3,950,203$589,726$214,959$1,530,451
77$4,307,496$572,994$176,532$1,618,490
78$4,699,795$554,005$135,381$1,715,106
79$5,130,626$532,603$91,368$1,821,235
80$5,603,872$508,623$44,351$1,937,914
81$6,123,812$481,891$0$2,066,288
82$6,695,159$452,222$0$2,209,181
83$7,323,105$419,421$0$2,379,170
84$8,013,370$383,281$0$2,566,009
85$8,772,257$343,584$0$2,771,465
86$9,606,708$300,100$0$2,997,486
87$10,524,372$252,586$0$3,246,226
88$11,533,679$200,783$0$3,520,061
89$12,643,913$144,421$0$3,821,619
90$13,865,306$83,211$0$4,153,797
91$15,209,130$16,851$0$4,519,796
92$16,687,805$0$0$4,923,152
93$18,315,016$0$0$5,396,804
94$20,105,842$0$0$5,927,988
95$22,076,898$0$0$6,512,745
96$24,246,489$0$0$7,156,521
97$26,634,787$0$0$7,865,315
98$29,264,019$0$0$8,645,740
99$32,158,677$0$0$9,505,080
100$35,345,745$0$0$10,451,362