Can I retire at age 52 with 575,000?

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 $575,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$47,483$47,060$46,647$46,245$45,851$44,743
2 years$23,506$23,069$22,644$22,233$21,834$20,724
3 years$15,515$15,076$14,652$14,245$13,852$12,775
4 years$11,520$11,082$10,663$10,263$9,880$8,844
5 years$9,124$8,689$8,275$7,883$7,510$6,519
6 years$7,527$7,095$6,687$6,304$5,943$4,996
7 years$6,387$5,958$5,557$5,183$4,833$3,932
8 years$5,532$5,107$4,713$4,348$4,009$3,154
9 years$4,868$4,447$4,059$3,703$3,377$2,565
10 years$4,336$3,920$3,539$3,192$2,877$2,109
11 years$3,902$3,489$3,116$2,778$2,474$1,748
12 years$3,540$3,132$2,765$2,437$2,144$1,459
13 years$3,234$2,830$2,470$2,151$1,870$1,225
14 years$2,973$2,573$2,220$1,910$1,639$1,032
15 years$2,746$2,350$2,004$1,703$1,443$873
16 years$2,547$2,156$1,817$1,525$1,275$741
17 years$2,373$1,986$1,653$1,370$1,131$630
18 years$2,218$1,835$1,509$1,235$1,006$537
19 years$2,079$1,701$1,382$1,116$896$459
20 years$1,954$1,580$1,268$1,011$801$392
21 years$1,842$1,472$1,166$917$716$336
22 years$1,739$1,374$1,075$834$642$288
23 years$1,646$1,285$993$759$576$247
24 years$1,561$1,204$918$693$518$212
25 years$1,482$1,130$850$633$466$182
26 years$1,410$1,062$789$578$420$157
27 years$1,343$999$732$529$379$135
28 years$1,282$942$681$485$342$116
29 years$1,224$888$633$445$308$100
30 years$1,170$839$590$408$279$86
31 years$1,120$793$550$375$252$74
32 years$1,074$751$513$345$228$64
33 years$1,030$711$479$317$206$55
34 years$989$674$448$292$187$47
35 years$950$639$419$268$169$41
36 years$913$606$392$247$153$35
37 years$879$576$367$228$139$30
38 years$846$547$343$210$126$26
39 years$815$521$322$194$114$23
40 years$786$495$301$179$104$19
41 years$758$471$283$165$94$17
42 years$732$449$265$152$85$15
43 years$707$428$249$140$77$13
44 years$683$408$234$130$70$11
45 years$660$389$219$120$64$9
46 years$639$371$206$111$58$8
47 years$618$354$193$102$53$7
48 years$598$338$182$94$48$6
49 years$579$323$171$87$43$5
50 years$561$308$161$81$39$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $575,000, adding $4,767 every year, while hoping to spend $39,338 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: 77/6/17 Blend
51$575,000$575,000$575,000$575,000
52$638,567$608,092$599,180$684,967
53$661,846$596,033$577,397$704,211
54$686,180$582,065$553,566$719,909
55$711,637$566,053$527,577$736,054
56$738,287$547,853$499,314$752,680
57$766,209$527,314$468,657$769,819
58$795,486$504,276$435,481$787,514
59$826,210$478,570$399,654$805,806
60$858,480$450,016$361,039$824,744
61$892,402$418,425$319,491$844,384
62$928,096$383,596$274,863$864,786
63$965,687$345,318$226,996$886,016
64$1,005,315$303,366$175,728$908,150
65$1,047,130$257,504$120,888$931,272
66$1,091,297$207,481$62,298$955,474
67$1,137,996$153,035$0$980,860
68$1,187,424$93,885$0$1,007,586
69$1,239,793$29,738$0$1,047,800
70$1,295,339$0$0$1,090,370
71$1,354,316$0$0$1,138,113
72$1,417,005$0$0$1,190,958
73$1,483,712$0$0$1,247,201
74$1,554,771$0$0$1,307,126
75$1,630,550$0$0$1,371,044
76$1,711,449$0$0$1,439,296
77$1,797,909$0$0$1,512,253
78$1,890,413$0$0$1,590,326
79$1,989,490$0$0$1,673,963
80$2,095,719$0$0$1,763,656
81$2,209,738$0$0$1,859,944
82$2,332,245$0$0$1,963,420
83$2,464,006$0$0$2,074,734
84$2,605,864$0$0$2,194,600
85$2,758,744$0$0$2,323,802
86$2,923,660$0$0$2,463,201
87$3,101,729$0$0$2,613,744
88$3,294,176$0$0$2,776,469
89$3,502,348$0$0$2,952,521
90$3,727,728$0$0$3,143,155
91$3,971,943$0$0$3,349,752
92$4,236,784$0$0$3,573,831
93$4,524,218$0$0$3,817,061
94$4,836,413$0$0$4,081,280
95$5,175,749$0$0$4,368,509
96$5,544,847$0$0$4,680,969
97$5,946,590$0$0$5,021,106
98$6,384,150$0$0$5,391,612
99$6,861,019$0$0$5,795,447
100$7,381,036$0$0$6,235,871