Can I retire at age 52 with 607,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $607,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$50,125$49,679$49,243$48,818$48,403$47,977
2 years$24,815$24,352$23,905$23,470$23,049$22,620
3 years$16,379$15,915$15,468$15,038$14,623$14,204
4 years$12,162$11,699$11,257$10,834$10,429$10,024
5 years$9,632$9,172$8,736$8,321$7,928$7,537
6 years$7,946$7,490$7,060$6,655$6,273$5,897
7 years$6,742$6,290$5,867$5,471$5,102$4,741
8 years$5,840$5,392$4,975$4,590$4,233$3,886
9 years$5,139$4,694$4,285$3,909$3,564$3,233
10 years$4,578$4,138$3,736$3,370$3,037$2,721
11 years$4,119$3,684$3,289$2,933$2,612$2,310
12 years$3,737$3,306$2,919$2,572$2,263$1,976
13 years$3,414$2,988$2,608$2,271$1,974$1,700
14 years$3,138$2,716$2,343$2,016$1,730$1,470
15 years$2,899$2,481$2,116$1,798$1,523$1,277
16 years$2,689$2,276$1,918$1,610$1,346$1,112
17 years$2,505$2,096$1,745$1,446$1,194$972
18 years$2,341$1,937$1,593$1,304$1,061$852
19 years$2,195$1,795$1,459$1,178$946$748
20 years$2,063$1,668$1,339$1,067$845$658
21 years$1,944$1,554$1,231$968$756$580
22 years$1,836$1,451$1,135$880$678$512
23 years$1,738$1,357$1,048$802$609$452
24 years$1,648$1,271$969$731$547$400
25 years$1,565$1,193$898$668$492$354
26 years$1,489$1,121$832$611$443$314
27 years$1,418$1,055$773$559$400$278
28 years$1,353$994$719$512$361$247
29 years$1,292$938$669$470$326$219
30 years$1,236$886$623$431$294$195
31 years$1,183$837$581$396$266$173
32 years$1,133$792$542$364$241$154
33 years$1,087$750$506$334$218$137
34 years$1,044$711$473$308$197$122
35 years$1,003$675$442$283$179$109
36 years$964$640$413$261$162$97
37 years$928$608$387$240$147$86
38 years$893$578$362$222$133$77
39 years$861$549$339$204$121$68
40 years$830$523$318$188$109$61
41 years$801$498$298$174$99$54
42 years$773$474$280$160$90$48
43 years$746$452$263$148$82$43
44 years$721$430$247$137$74$38
45 years$697$410$231$126$67$34
46 years$674$392$217$117$61$30
47 years$653$374$204$108$56$27
48 years$632$357$192$100$50$24
49 years$612$341$180$92$46$22
50 years$593$325$170$85$42$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $607,000, adding $6,737 every year, while hoping to spend $43,709 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: 48/32/20 Blend
51$607,000$607,000$607,000$607,000
52$675,863$643,692$634,284$704,190
53$698,295$628,727$609,026$709,625
54$721,550$611,564$581,458$710,571
55$745,666$592,048$551,454$710,682
56$770,684$570,018$518,887$709,900
57$796,645$545,300$483,622$708,160
58$823,596$517,713$445,516$705,397
59$851,585$487,063$404,423$701,542
60$880,664$453,147$360,189$696,522
61$910,890$415,749$312,653$690,260
62$942,321$374,641$261,647$682,678
63$975,021$329,582$206,996$673,691
64$1,009,059$280,318$148,516$663,214
65$1,044,509$226,579$86,017$651,154
66$1,081,448$168,081$19,298$637,419
67$1,119,964$104,524$0$621,908
68$1,160,146$35,592$0$615,595
69$1,202,094$0$0$612,412
70$1,245,915$0$0$621,925
71$1,291,724$0$0$644,987
72$1,339,645$0$0$669,129
73$1,389,813$0$0$694,422
74$1,442,374$0$0$720,942
75$1,497,487$0$0$748,771
76$1,555,323$0$0$777,998
77$1,616,069$0$0$808,722
78$1,679,926$0$0$841,048
79$1,747,117$0$0$875,090
80$1,817,880$0$0$910,976
81$1,892,476$0$0$948,840
82$1,971,190$0$0$988,832
83$2,054,331$0$0$1,031,114
84$2,142,239$0$0$1,075,864
85$2,235,282$0$0$1,123,275
86$2,333,863$0$0$1,173,559
87$2,438,422$0$0$1,226,947
88$2,549,442$0$0$1,283,691
89$2,667,448$0$0$1,344,068
90$2,793,016$0$0$1,408,381
91$2,926,778$0$0$1,476,962
92$3,069,422$0$0$1,550,173
93$3,221,706$0$0$1,628,412
94$3,384,457$0$0$1,712,115
95$3,558,585$0$0$1,801,760
96$3,745,084$0$0$1,897,872
97$3,945,048$0$0$2,001,027
98$4,159,673$0$0$2,111,854
99$4,390,276$0$0$2,231,047
100$4,638,299$0$0$2,359,368