Can I retire at age 55 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$43,354$42,968$42,591$42,223$41,864$40,622
2 years$21,462$21,063$20,675$20,300$19,935$18,694
3 years$14,166$13,765$13,378$13,006$12,648$11,446
4 years$10,519$10,118$9,736$9,370$9,021$7,868
5 years$8,331$7,933$7,556$7,197$6,857$5,757
6 years$6,873$6,478$6,106$5,756$5,426$4,379
7 years$5,832$5,440$5,074$4,732$4,413$3,419
8 years$5,051$4,663$4,303$3,970$3,661$2,720
9 years$4,444$4,060$3,706$3,381$3,083$2,193
10 years$3,959$3,579$3,231$2,915$2,627$1,787
11 years$3,563$3,186$2,845$2,537$2,259$1,469
12 years$3,232$2,860$2,525$2,225$1,958$1,215
13 years$2,953$2,584$2,256$1,964$1,707$1,010
14 years$2,714$2,349$2,027$1,744$1,496$843
15 years$2,507$2,146$1,830$1,555$1,318$706
16 years$2,326$1,969$1,659$1,392$1,165$593
17 years$2,166$1,813$1,510$1,251$1,033$500
18 years$2,025$1,675$1,378$1,127$918$421
19 years$1,898$1,553$1,262$1,019$818$356
20 years$1,784$1,443$1,158$923$731$301
21 years$1,681$1,344$1,065$837$654$255
22 years$1,588$1,255$982$761$586$216
23 years$1,503$1,173$906$693$526$184
24 years$1,425$1,099$838$632$473$156
25 years$1,354$1,032$776$578$426$133
26 years$1,288$970$720$528$383$113
27 years$1,227$913$669$483$346$96
28 years$1,170$860$622$443$312$82
29 years$1,118$811$578$406$282$69
30 years$1,069$766$539$373$255$59
31 years$1,023$724$502$342$230$50
32 years$980$685$469$315$208$43
33 years$940$649$438$289$188$36
34 years$903$615$409$266$171$31
35 years$867$583$382$245$154$26
36 years$834$554$358$226$140$23
37 years$802$526$335$208$127$19
38 years$773$500$313$192$115$16
39 years$744$475$294$177$104$14
40 years$718$452$275$163$95$12
41 years$692$430$258$150$86$10
42 years$668$410$242$139$78$9
43 years$646$391$227$128$71$7
44 years$624$372$213$118$64$6
45 years$603$355$200$109$58$5
46 years$583$339$188$101$53$5
47 years$564$323$177$93$48$4
48 years$546$309$166$86$44$3
49 years$529$295$156$80$40$3
50 years$513$281$147$74$36$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 55 starting with $525,000, adding $3,763 every year, while hoping to spend $39,285 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: 66/7/27 Blend
54$525,000$525,000$525,000$525,000
55$582,432$554,607$546,469$616,519
56$600,041$539,983$522,977$625,342
57$618,129$523,327$497,381$630,238
58$636,705$504,496$469,569$634,713
59$655,774$483,342$439,425$638,729
60$675,343$459,706$406,826$642,245
61$695,418$433,421$371,645$645,218
62$716,002$404,311$333,747$647,599
63$737,101$372,188$292,994$649,341
64$758,716$336,856$249,239$650,388
65$780,847$298,105$202,332$650,685
66$803,496$255,714$152,112$650,170
67$826,660$209,451$98,415$648,780
68$850,334$159,069$41,067$646,444
69$874,512$104,308$0$643,089
70$899,187$44,893$0$644,436
71$924,345$0$0$657,604
72$949,973$0$0$672,214
73$976,053$0$0$690,592
74$1,002,562$0$0$709,264
75$1,029,473$0$0$728,210
76$1,056,757$0$0$747,407
77$1,084,374$0$0$766,826
78$1,112,284$0$0$786,437
79$1,140,435$0$0$806,201
80$1,168,771$0$0$826,078
81$1,197,225$0$0$846,017
82$1,225,723$0$0$865,965
83$1,254,178$0$0$885,857
84$1,282,494$0$0$905,622
85$1,310,561$0$0$925,180
86$1,338,253$0$0$944,439
87$1,365,432$0$0$963,296
88$1,391,940$0$0$981,636
89$1,417,599$0$0$999,330
90$1,442,211$0$0$1,016,232
91$1,465,554$0$0$1,032,180
92$1,487,380$0$0$1,046,991
93$1,507,411$0$0$1,060,463
94$1,525,337$0$0$1,072,370
95$1,540,812$0$0$1,082,459
96$1,553,453$0$0$1,090,449
97$1,562,830$0$0$1,096,028
98$1,568,469$0$0$1,098,848
99$1,569,838$0$0$1,098,524
100$1,566,351$0$0$1,094,625