Can I retire at age 52 with 572,000?

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 $572,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$47,235$46,814$46,404$46,003$45,612$44,582
2 years$23,384$22,948$22,526$22,117$21,720$20,688
3 years$15,434$14,997$14,576$14,171$13,780$12,778
4 years$11,460$11,024$10,608$10,209$9,828$8,864
5 years$9,077$8,643$8,232$7,842$7,471$6,547
6 years$7,488$7,058$6,653$6,271$5,912$5,029
7 years$6,354$5,927$5,528$5,156$4,808$3,967
8 years$5,503$5,081$4,688$4,325$3,989$3,189
9 years$4,842$4,424$4,038$3,684$3,359$2,600
10 years$4,314$3,899$3,521$3,176$2,862$2,143
11 years$3,882$3,471$3,099$2,764$2,461$1,781
12 years$3,522$3,116$2,751$2,424$2,133$1,490
13 years$3,218$2,816$2,458$2,140$1,860$1,254
14 years$2,957$2,559$2,208$1,900$1,630$1,060
15 years$2,731$2,338$1,994$1,694$1,436$899
16 years$2,534$2,145$1,808$1,517$1,269$765
17 years$2,360$1,976$1,645$1,363$1,125$653
18 years$2,206$1,825$1,501$1,228$1,000$558
19 years$2,068$1,692$1,375$1,110$892$478
20 years$1,944$1,572$1,261$1,005$796$410
21 years$1,832$1,464$1,160$912$713$352
22 years$1,730$1,367$1,069$830$639$303
23 years$1,638$1,278$987$755$573$261
24 years$1,553$1,198$913$689$515$225
25 years$1,475$1,124$846$629$464$194
26 years$1,403$1,056$784$575$418$167
27 years$1,336$994$728$527$377$144
28 years$1,275$937$677$483$340$124
29 years$1,218$884$630$442$307$107
30 years$1,164$835$587$406$277$93
31 years$1,115$789$547$373$251$80
32 years$1,068$747$511$343$227$69
33 years$1,024$707$477$315$205$60
34 years$983$670$445$290$186$52
35 years$945$636$416$267$168$45
36 years$908$603$390$246$152$39
37 years$874$573$365$227$138$34
38 years$842$545$341$209$125$29
39 years$811$518$320$193$114$25
40 years$782$493$300$178$103$22
41 years$754$469$281$164$93$19
42 years$728$447$264$151$85$16
43 years$703$426$247$140$77$14
44 years$680$406$232$129$70$12
45 years$657$387$218$119$63$11
46 years$635$369$205$110$58$9
47 years$615$352$192$102$52$8
48 years$595$336$181$94$48$7
49 years$576$321$170$87$43$6
50 years$558$307$160$80$39$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $572,000, adding $4,170 every year, while hoping to spend $21,485 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: 38/35/27 Blend
51$572,000$572,000$572,000$572,000
52$634,645$604,329$595,463$653,525
53$676,519$611,082$592,552$674,491
54$721,944$617,445$588,822$694,856
55$771,260$623,377$584,225$716,450
56$824,840$628,833$578,707$739,401
57$883,094$633,767$572,215$763,847
58$946,475$638,127$564,690$789,942
59$1,015,480$641,860$556,072$817,859
60$1,090,657$644,909$546,297$847,788
61$1,172,606$647,212$535,301$879,941
62$1,261,992$648,705$523,013$914,551
63$1,359,543$649,319$509,362$951,880
64$1,466,063$648,982$494,272$992,215
65$1,582,434$647,615$477,663$1,035,876
66$1,709,631$645,137$459,453$1,083,217
67$1,848,724$641,459$439,556$1,134,631
68$2,000,893$636,490$417,880$1,190,553
69$2,167,436$630,130$394,331$1,251,463
70$2,349,784$622,276$368,811$1,317,895
71$2,549,512$612,818$341,216$1,390,439
72$2,768,354$601,637$311,438$1,469,749
73$3,008,219$588,610$279,364$1,556,546
74$3,271,211$573,607$244,877$1,651,632
75$3,559,648$556,486$207,854$1,755,890
76$3,876,081$537,103$168,165$1,870,301
77$4,223,320$515,300$125,678$1,995,945
78$4,604,461$490,912$80,251$2,134,021
79$5,022,916$463,767$31,739$2,285,851
80$5,482,440$433,678$0$2,452,898
81$5,987,172$400,451$0$2,642,551
82$6,541,671$363,880$0$2,860,958
83$7,150,958$323,748$0$3,100,990
84$7,820,567$279,822$0$3,364,877
85$8,556,593$231,861$0$3,655,083
86$9,365,750$179,608$0$3,974,325
87$10,255,438$122,790$0$4,325,601
88$11,233,807$61,121$0$4,712,219
89$12,309,838$0$0$5,137,827
90$13,493,424$0$0$5,608,647
91$14,795,468$0$0$6,152,572
92$16,227,980$0$0$6,751,091
93$17,804,195$0$0$7,409,744
94$19,538,693$0$0$8,134,635
95$21,447,543$0$0$8,932,492
96$23,548,446$0$0$9,810,727
97$25,860,909$0$0$10,777,506
98$28,406,424$0$0$11,841,827
99$31,208,675$0$0$13,013,608
100$34,293,756$0$0$14,303,773