Can I retire at age 52 with 608,000?

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 $608,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$50,208$49,761$49,325$48,899$48,483$47,877
2 years$24,855$24,393$23,944$23,509$23,087$22,477
3 years$16,406$15,941$15,493$15,062$14,647$14,053
4 years$12,182$11,718$11,275$10,852$10,447$9,872
5 years$9,648$9,187$8,750$8,335$7,941$7,388
6 years$7,959$7,502$7,071$6,666$6,284$5,753
7 years$6,754$6,300$5,876$5,480$5,110$4,601
8 years$5,850$5,400$4,984$4,597$4,240$3,753
9 years$5,147$4,702$4,292$3,916$3,570$3,106
10 years$4,585$4,145$3,742$3,375$3,042$2,599
11 years$4,126$3,690$3,295$2,938$2,616$2,195
12 years$3,743$3,312$2,924$2,577$2,267$1,867
13 years$3,420$2,993$2,612$2,275$1,977$1,597
14 years$3,143$2,720$2,347$2,019$1,733$1,373
15 years$2,903$2,485$2,119$1,801$1,526$1,185
16 years$2,694$2,280$1,921$1,613$1,349$1,026
17 years$2,509$2,100$1,748$1,449$1,196$891
18 years$2,345$1,940$1,596$1,306$1,063$776
19 years$2,198$1,798$1,461$1,180$948$677
20 years$2,066$1,671$1,341$1,069$846$591
21 years$1,947$1,557$1,233$970$758$518
22 years$1,839$1,453$1,137$882$679$454
23 years$1,741$1,359$1,050$803$610$398
24 years$1,650$1,273$971$732$548$350
25 years$1,568$1,195$899$669$493$308
26 years$1,491$1,123$834$612$444$271
27 years$1,421$1,057$774$560$400$238
28 years$1,355$996$720$513$361$210
29 years$1,294$939$670$470$326$185
30 years$1,238$887$624$432$295$163
31 years$1,185$839$582$396$266$144
32 years$1,135$794$543$364$241$127
33 years$1,089$752$507$335$218$112
34 years$1,045$712$473$308$198$99
35 years$1,004$676$443$284$179$88
36 years$966$641$414$261$162$77
37 years$929$609$388$241$147$68
38 years$895$579$363$222$133$60
39 years$862$550$340$205$121$53
40 years$831$524$319$189$110$47
41 years$802$498$299$174$99$42
42 years$774$475$280$161$90$37
43 years$748$452$263$148$82$33
44 years$722$431$247$137$74$29
45 years$698$411$232$127$67$26
46 years$675$392$218$117$61$23
47 years$654$374$205$108$56$20
48 years$633$357$192$100$50$18
49 years$613$341$181$92$46$16
50 years$594$326$170$85$42$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $608,000, adding $5,384 every year, while hoping to spend $21,759 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: 52/28/20 Blend
51$608,000$608,000$608,000$608,000
52$675,570$643,346$633,922$706,715
53$721,326$651,718$632,007$737,108
54$771,021$659,772$629,298$767,444
55$825,032$667,468$625,747$799,976
56$883,777$674,765$621,300$834,920
57$947,712$681,619$615,905$872,515
58$1,017,344$687,983$609,503$913,024
59$1,093,227$693,808$602,035$956,737
60$1,175,971$699,040$593,438$1,003,977
61$1,266,250$703,622$583,647$1,055,099
62$1,364,801$707,494$572,594$1,110,494
63$1,472,441$710,591$560,206$1,170,596
64$1,590,066$712,846$546,409$1,235,884
65$1,718,663$714,186$531,124$1,306,884
66$1,859,319$714,533$514,268$1,384,181
67$2,013,230$713,806$495,757$1,468,419
68$2,181,715$711,917$475,500$1,560,308
69$2,366,223$708,775$453,402$1,660,633
70$2,568,354$704,280$429,367$1,770,262
71$2,789,866$698,330$403,291$1,890,151
72$3,032,698$690,814$375,067$2,021,355
73$3,298,984$681,615$344,583$2,165,042
74$3,591,076$670,609$311,722$2,322,496
75$3,911,562$657,666$276,361$2,495,139
76$4,263,295$642,645$238,372$2,684,538
77$4,649,416$625,399$197,623$2,892,422
78$5,073,386$605,774$153,973$3,120,700
79$5,539,018$583,604$107,278$3,371,479
80$6,050,511$558,713$57,385$3,647,081
81$6,612,492$530,919$4,136$3,950,072
82$7,230,056$500,024$0$4,283,280
83$7,908,820$465,823$0$4,661,070
84$8,654,968$428,097$0$5,077,316
85$9,475,316$386,615$0$5,534,970
86$10,377,373$341,133$0$6,038,263
87$11,369,409$291,393$0$6,591,860
88$12,460,540$237,123$0$7,200,902
89$13,660,807$178,033$0$7,871,059
90$14,981,273$113,822$0$8,608,583
91$16,434,130$44,166$0$9,420,362
92$18,032,809$0$0$10,313,996
93$19,792,108$0$0$11,307,493
94$21,728,334$0$0$12,415,951
95$23,859,455$0$0$13,636,058
96$26,205,266$0$0$14,979,156
97$28,787,584$0$0$16,457,746
98$31,630,443$0$0$18,085,599
99$34,760,329$0$0$19,877,892
100$38,206,427$0$0$21,851,347