Can I retire at age 52 with 609,000?

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 $609,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$50,291$49,843$49,406$48,979$48,563$47,543
2 years$24,896$24,433$23,983$23,548$23,125$22,103
3 years$16,433$15,967$15,519$15,087$14,671$13,678
4 years$12,202$11,737$11,294$10,869$10,464$9,507
5 years$9,664$9,202$8,764$8,349$7,954$7,037
6 years$7,972$7,514$7,083$6,677$6,294$5,417
7 years$6,765$6,311$5,886$5,489$5,119$4,283
8 years$5,859$5,409$4,992$4,605$4,247$3,451
9 years$5,156$4,710$4,299$3,922$3,576$2,820
10 years$4,593$4,151$3,748$3,381$3,047$2,330
11 years$4,133$3,696$3,300$2,942$2,621$1,942
12 years$3,750$3,317$2,929$2,581$2,271$1,629
13 years$3,426$2,998$2,617$2,279$1,980$1,375
14 years$3,148$2,725$2,351$2,023$1,736$1,165
15 years$2,908$2,489$2,123$1,804$1,528$991
16 years$2,698$2,284$1,924$1,615$1,351$846
17 years$2,513$2,103$1,751$1,451$1,198$724
18 years$2,349$1,944$1,599$1,308$1,065$620
19 years$2,202$1,801$1,463$1,182$949$533
20 years$2,070$1,674$1,343$1,070$848$459
21 years$1,951$1,559$1,235$971$759$395
22 years$1,842$1,455$1,139$883$680$341
23 years$1,743$1,361$1,051$804$611$294
24 years$1,653$1,275$972$734$549$254
25 years$1,570$1,197$901$670$494$220
26 years$1,494$1,125$835$613$445$190
27 years$1,423$1,059$776$561$401$165
28 years$1,357$998$721$514$362$143
29 years$1,296$941$671$471$327$124
30 years$1,240$889$625$432$295$107
31 years$1,187$840$583$397$267$93
32 years$1,137$795$544$365$241$81
33 years$1,091$753$508$336$219$70
34 years$1,047$713$474$309$198$61
35 years$1,006$677$443$284$179$53
36 years$967$642$415$262$162$46
37 years$931$610$388$241$147$40
38 years$896$580$364$222$133$34
39 years$864$551$341$205$121$30
40 years$833$525$319$189$110$26
41 years$803$499$299$174$100$23
42 years$775$476$281$161$90$20
43 years$749$453$263$149$82$17
44 years$724$432$247$137$74$15
45 years$700$412$232$127$68$13
46 years$677$393$218$117$61$11
47 years$655$375$205$108$56$10
48 years$634$358$193$100$51$8
49 years$614$342$181$92$46$7
50 years$595$326$170$85$42$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $609,000, adding $5,414 every year, while hoping to spend $33,128 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: 63/15/22 Blend
51$609,000$609,000$609,000$609,000
52$676,703$644,426$634,986$715,144
53$710,478$640,754$621,010$738,062
54$746,589$635,793$605,456$758,903
55$785,237$629,444$588,235$780,911
56$826,647$621,601$569,256$804,204
57$871,061$612,156$548,423$828,912
58$918,749$600,992$525,634$855,181
59$970,004$587,983$500,786$883,171
60$1,025,150$573,000$473,768$913,062
61$1,084,542$555,903$444,465$945,051
62$1,148,568$536,545$412,758$979,359
63$1,217,658$514,772$378,521$1,016,231
64$1,292,280$490,417$341,623$1,055,936
65$1,372,952$463,307$301,926$1,098,775
66$1,460,242$433,257$259,290$1,145,081
67$1,554,773$400,074$213,563$1,195,224
68$1,657,233$363,550$164,590$1,249,611
69$1,768,376$323,469$112,209$1,308,696
70$1,889,032$279,601$56,249$1,372,980
71$2,020,113$231,701$0$1,443,019
72$2,162,624$179,514$0$1,520,241
73$2,317,670$122,769$0$1,618,658
74$2,486,466$61,178$0$1,725,848
75$2,670,350$0$0$1,842,694
76$2,870,793$0$0$1,971,084
77$3,089,415$0$0$2,122,172
78$3,328,000$0$0$2,287,097
79$3,588,509$0$0$2,467,221
80$3,873,103$0$0$2,664,043
81$4,184,161$0$0$2,879,214
82$4,524,301$0$0$3,114,551
83$4,896,406$0$0$3,372,054
84$5,303,650$0$0$3,653,926
85$5,749,529$0$0$3,962,595
86$6,237,893$0$0$4,300,730
87$6,772,980$0$0$4,671,275
88$7,359,458$0$0$5,077,469
89$8,002,470$0$0$5,522,881
90$8,707,678$0$0$6,011,442
91$9,481,319$0$0$6,547,480
92$10,330,263$0$0$7,135,765
93$11,262,078$0$0$7,781,550
94$12,285,100$0$0$8,490,619
95$13,408,509$0$0$9,269,346
96$14,642,422$0$0$10,124,754
97$15,997,981$0$0$11,064,576
98$17,487,460$0$0$12,097,333
99$19,124,384$0$0$13,232,413
100$20,923,649$0$0$14,480,157