Can I retire at age 52 with 568,000?

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 $568,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$46,905$46,487$46,079$45,682$45,293$45,008
2 years$23,220$22,788$22,369$21,962$21,568$21,280
3 years$15,326$14,892$14,474$14,071$13,684$13,402
4 years$11,380$10,947$10,533$10,138$9,759$9,486
5 years$9,013$8,583$8,174$7,787$7,419$7,155
6 years$7,436$7,008$6,606$6,227$5,870$5,617
7 years$6,309$5,886$5,490$5,120$4,774$4,530
8 years$5,465$5,045$4,656$4,295$3,961$3,727
9 years$4,808$4,393$4,010$3,658$3,335$3,111
10 years$4,284$3,872$3,496$3,153$2,842$2,627
11 years$3,855$3,447$3,078$2,744$2,444$2,239
12 years$3,497$3,094$2,731$2,407$2,118$1,922
13 years$3,195$2,796$2,440$2,125$1,847$1,661
14 years$2,936$2,541$2,193$1,887$1,619$1,442
15 years$2,712$2,322$1,980$1,682$1,426$1,257
16 years$2,516$2,130$1,795$1,506$1,260$1,100
17 years$2,344$1,962$1,633$1,354$1,117$965
18 years$2,191$1,813$1,491$1,220$993$849
19 years$2,054$1,680$1,365$1,102$885$749
20 years$1,930$1,561$1,253$998$791$662
21 years$1,819$1,454$1,152$906$708$586
22 years$1,718$1,357$1,062$824$634$519
23 years$1,626$1,270$981$750$569$461
24 years$1,542$1,189$907$684$512$410
25 years$1,464$1,116$840$625$461$364
26 years$1,393$1,049$779$571$415$325
27 years$1,327$987$723$523$374$289
28 years$1,266$930$672$479$337$258
29 years$1,209$878$626$439$305$230
30 years$1,156$829$583$403$275$205
31 years$1,107$784$543$370$249$183
32 years$1,061$741$507$340$225$164
33 years$1,017$702$473$313$204$147
34 years$976$665$442$288$185$131
35 years$938$631$414$265$167$117
36 years$902$599$387$244$151$105
37 years$868$569$362$225$137$94
38 years$836$541$339$207$124$84
39 years$805$514$318$191$113$75
40 years$777$489$298$176$102$67
41 years$749$466$279$163$93$60
42 years$723$443$262$150$84$54
43 years$698$423$246$139$76$48
44 years$675$403$231$128$69$43
45 years$652$384$217$118$63$39
46 years$631$366$203$109$57$35
47 years$611$350$191$101$52$31
48 years$591$334$180$93$47$28
49 years$572$319$169$86$43$25
50 years$555$304$159$80$39$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $568,000, adding $2,875 every year, while hoping to spend $20,117 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: 69/12/19 Blend
51$568,000$568,000$568,000$568,000
52$628,902$598,798$589,994$669,190
53$671,645$606,734$588,354$704,382
54$718,074$614,386$585,985$740,240
55$768,544$621,717$582,842$778,979
56$823,444$628,689$578,876$820,882
57$883,204$635,264$574,036$866,260
58$948,296$641,397$568,272$915,458
59$1,019,240$647,043$561,527$968,854
60$1,096,609$652,154$553,744$1,026,866
61$1,181,031$656,678$544,863$1,089,953
62$1,273,200$660,559$534,820$1,158,625
63$1,373,879$663,739$523,549$1,233,440
64$1,483,908$666,156$510,981$1,315,016
65$1,604,211$667,742$497,044$1,404,034
66$1,735,808$668,428$481,661$1,501,243
67$1,879,818$668,139$464,755$1,607,473
68$2,037,476$666,795$446,241$1,723,634
69$2,210,142$664,311$426,033$1,850,734
70$2,399,312$660,598$404,041$1,989,881
71$2,606,635$655,561$380,170$2,142,298
72$2,833,927$649,098$354,320$2,309,334
73$3,083,187$641,104$326,390$2,492,476
74$3,356,618$631,464$296,270$2,693,363
75$3,656,646$620,058$263,848$2,913,803
76$3,985,943$606,760$229,006$3,155,788
77$4,347,452$591,434$191,620$3,421,516
78$4,744,416$573,938$151,563$3,713,408
79$5,180,406$554,120$108,700$4,034,136
80$5,659,357$531,822$62,891$4,386,643
81$6,185,603$506,873$13,989$4,774,176
82$6,763,920$479,095$0$5,200,312
83$7,399,567$448,298$0$5,676,742
84$8,098,341$414,283$0$6,203,599
85$8,866,626$376,837$0$6,782,874
86$9,711,458$335,738$0$7,419,886
87$10,640,586$290,748$0$8,120,500
88$11,662,550$241,619$0$8,891,176
89$12,786,757$188,086$0$9,739,035
90$14,023,575$129,871$0$10,671,925
91$15,384,424$66,679$0$11,698,491
92$16,881,889$0$0$12,828,263
93$18,529,835$0$0$14,071,982
94$20,343,540$0$0$15,450,529
95$22,339,838$0$0$16,967,898
96$24,537,279$0$0$18,638,194
97$26,956,300$0$0$20,476,956
98$29,619,422$0$0$22,501,308
99$32,551,460$0$0$24,730,119
100$35,779,758$0$0$27,184,179