Can I retire at age 52 with 578,000?

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 $578,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$47,731$47,306$46,891$46,486$46,091$45,628
2 years$23,629$23,189$22,762$22,349$21,948$21,482
3 years$15,596$15,154$14,729$14,319$13,925$13,470
4 years$11,581$11,140$10,719$10,316$9,931$9,491
5 years$9,172$8,734$8,318$7,924$7,550$7,125
6 years$7,567$7,132$6,722$6,337$5,974$5,566
7 years$6,420$5,989$5,586$5,210$4,858$4,467
8 years$5,561$5,134$4,738$4,370$4,030$3,656
9 years$4,893$4,470$4,081$3,723$3,394$3,036
10 years$4,359$3,940$3,558$3,209$2,892$2,550
11 years$3,922$3,508$3,132$2,793$2,487$2,161
12 years$3,559$3,148$2,780$2,450$2,155$1,845
13 years$3,251$2,845$2,483$2,163$1,880$1,585
14 years$2,988$2,586$2,231$1,920$1,648$1,368
15 years$2,760$2,362$2,015$1,712$1,451$1,185
16 years$2,561$2,168$1,826$1,533$1,282$1,031
17 years$2,385$1,996$1,662$1,377$1,137$899
18 years$2,229$1,845$1,517$1,241$1,011$786
19 years$2,090$1,710$1,389$1,122$901$689
20 years$1,964$1,589$1,275$1,016$805$605
21 years$1,851$1,480$1,172$922$720$532
22 years$1,748$1,381$1,081$838$646$468
23 years$1,655$1,292$998$763$579$413
24 years$1,569$1,210$923$696$521$364
25 years$1,490$1,136$855$636$469$322
26 years$1,418$1,068$793$581$422$284
27 years$1,350$1,005$736$532$381$252
28 years$1,288$947$684$488$343$223
29 years$1,230$893$637$447$310$197
30 years$1,177$843$593$410$280$175
31 years$1,126$797$553$377$253$155
32 years$1,079$754$516$346$229$138
33 years$1,035$714$482$319$207$122
34 years$994$677$450$293$188$108
35 years$955$642$421$270$170$96
36 years$918$610$394$248$154$85
37 years$883$579$368$229$140$76
38 years$851$550$345$211$127$67
39 years$820$523$323$195$115$60
40 years$790$498$303$179$104$53
41 years$762$474$284$166$94$47
42 years$736$451$266$153$86$42
43 years$711$430$250$141$78$37
44 years$687$410$235$130$71$33
45 years$664$391$220$120$64$30
46 years$642$373$207$111$58$26
47 years$621$356$194$103$53$23
48 years$601$340$183$95$48$21
49 years$583$324$172$88$44$18
50 years$564$310$162$81$40$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $578,000, adding $6,147 every year, while hoping to spend $27,982 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: 64/8/28 Blend
51$578,000$578,000$578,000$578,000
52$643,297$612,663$603,704$679,320
53$679,140$612,910$594,155$704,696
54$717,702$612,233$583,349$728,782
55$759,230$610,554$571,213$754,494
56$803,996$607,796$557,673$781,995
57$852,298$603,873$542,650$811,466
58$904,466$598,696$526,062$843,108
59$960,860$592,170$507,823$877,142
60$1,021,876$584,195$487,844$913,813
61$1,087,950$574,664$466,030$953,394
62$1,159,563$563,463$442,283$996,183
63$1,237,240$550,475$416,501$1,042,514
64$1,321,561$535,571$388,577$1,092,753
65$1,413,163$518,617$358,398$1,147,306
66$1,512,749$499,472$325,847$1,206,622
67$1,621,089$477,986$290,802$1,271,198
68$1,739,031$453,999$253,136$1,341,581
69$1,867,511$427,343$212,714$1,418,378
70$2,007,555$397,840$169,398$1,502,259
71$2,160,294$365,303$123,041$1,593,963
72$2,326,974$329,533$73,493$1,694,307
73$2,508,964$290,319$20,594$1,804,196
74$2,707,774$247,440$0$1,924,626
75$2,925,064$200,662$0$2,067,412
76$3,162,661$149,735$0$2,230,320
77$3,422,580$94,399$0$2,408,588
78$3,707,036$34,378$0$2,603,756
79$4,018,471$0$0$2,817,520
80$4,359,571$0$0$3,054,446
81$4,733,297$0$0$3,317,389
82$5,142,907$0$0$3,605,620
83$5,591,993$0$0$3,921,672
84$6,084,507$0$0$4,268,332
85$6,624,806$0$0$4,648,670
86$7,217,684$0$0$5,066,070
87$7,868,426$0$0$5,524,256
88$8,582,852$0$0$6,027,333
89$9,367,372$0$0$6,579,821
90$10,229,049$0$0$7,186,701
91$11,175,663$0$0$7,853,458
92$12,215,784$0$0$8,586,136
93$13,358,853$0$0$9,391,393
94$14,615,273$0$0$10,276,566
95$15,996,503$0$0$11,249,734
96$17,515,168$0$0$12,319,801
97$19,185,179$0$0$13,496,577
98$21,021,859$0$0$14,790,869
99$23,042,094$0$0$16,214,585
100$25,264,488$0$0$17,780,843