Can I retire at age 52 with 610,000?

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 $610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$50,373$49,925$49,487$49,059$48,642$48,336
2 years$24,937$24,473$24,023$23,586$23,163$22,854
3 years$16,460$15,993$15,544$15,112$14,696$14,393
4 years$12,222$11,757$11,312$10,887$10,481$10,188
5 years$9,680$9,217$8,779$8,363$7,967$7,684
6 years$7,985$7,527$7,095$6,688$6,304$6,032
7 years$6,776$6,321$5,896$5,498$5,127$4,865
8 years$5,869$5,418$5,000$4,612$4,253$4,002
9 years$5,164$4,718$4,306$3,929$3,582$3,341
10 years$4,600$4,158$3,754$3,387$3,052$2,822
11 years$4,140$3,702$3,305$2,947$2,625$2,405
12 years$3,756$3,323$2,933$2,585$2,275$2,065
13 years$3,431$3,003$2,621$2,282$1,984$1,783
14 years$3,153$2,729$2,355$2,026$1,739$1,548
15 years$2,913$2,493$2,126$1,807$1,531$1,350
16 years$2,703$2,288$1,928$1,618$1,353$1,181
17 years$2,517$2,107$1,754$1,454$1,200$1,036
18 years$2,353$1,947$1,601$1,310$1,067$912
19 years$2,205$1,804$1,466$1,184$951$804
20 years$2,073$1,677$1,345$1,072$849$711
21 years$1,954$1,562$1,237$973$760$629
22 years$1,845$1,458$1,140$885$681$558
23 years$1,746$1,363$1,053$806$612$495
24 years$1,656$1,277$974$735$550$440
25 years$1,573$1,199$902$671$495$391
26 years$1,496$1,127$837$614$446$349
27 years$1,425$1,060$777$562$402$311
28 years$1,360$999$722$515$362$277
29 years$1,299$943$672$472$327$247
30 years$1,242$890$626$433$296$221
31 years$1,189$841$584$398$267$197
32 years$1,139$796$544$366$242$176
33 years$1,092$754$508$336$219$157
34 years$1,049$715$475$309$198$141
35 years$1,008$678$444$285$179$126
36 years$969$643$415$262$163$113
37 years$932$611$389$242$147$101
38 years$898$581$364$223$134$90
39 years$865$552$341$205$121$81
40 years$834$525$320$189$110$72
41 years$805$500$300$175$100$65
42 years$777$476$281$161$90$58
43 years$750$454$264$149$82$52
44 years$725$433$248$137$75$47
45 years$701$412$233$127$68$42
46 years$678$394$218$117$61$37
47 years$656$376$205$108$56$34
48 years$635$358$193$100$51$30
49 years$615$342$181$93$46$27
50 years$596$327$170$86$42$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $610,000, adding $4,814 every year, while hoping to spend $20,403 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: 61/34/5 Blend
51$610,000$610,000$610,000$610,000
52$677,186$644,856$635,401$717,646
53$724,550$654,745$634,978$755,140
54$776,062$664,435$633,857$793,220
55$832,122$673,894$631,994$834,239
56$893,173$683,090$629,340$878,480
57$959,701$691,985$625,847$926,254
58$1,032,240$700,543$621,463$977,904
59$1,111,380$708,721$616,133$1,033,809
60$1,197,769$716,476$609,802$1,094,387
61$1,292,119$723,761$602,408$1,160,096
62$1,395,217$730,527$593,890$1,231,444
63$1,507,927$736,721$584,183$1,308,990
64$1,631,201$742,285$573,219$1,393,350
65$1,766,087$747,161$560,925$1,485,204
66$1,913,739$751,283$547,227$1,585,301
67$2,075,428$754,584$532,047$1,694,467
68$2,252,554$756,991$515,303$1,813,613
69$2,446,658$758,427$496,909$1,943,743
70$2,659,438$758,810$476,776$2,085,964
71$2,892,762$758,053$454,810$2,241,498
72$3,148,690$756,064$430,912$2,411,690
73$3,429,490$752,745$404,982$2,598,025
74$3,737,661$747,992$376,911$2,802,140
75$4,075,953$741,694$346,588$3,025,839
76$4,447,398$733,735$313,897$3,271,113
77$4,855,335$723,990$278,715$3,540,155
78$5,303,442$712,329$240,914$3,835,385
79$5,795,771$698,611$200,363$4,159,470
80$6,336,786$682,689$156,922$4,515,351
81$6,931,405$664,408$110,445$4,906,271
82$7,585,045$643,601$60,782$5,335,805
83$8,303,675$620,093$7,774$5,807,895
84$9,093,873$593,700$0$6,326,887
85$9,962,881$564,225$0$6,900,176
86$10,918,684$531,461$0$7,531,053
87$11,970,076$495,188$0$8,224,938
88$13,126,746$455,176$0$8,988,261
89$14,399,373$411,177$0$9,828,112
90$15,799,719$362,935$0$10,752,306
91$17,340,745$310,174$0$11,769,460
92$19,036,735$252,606$0$12,889,070
93$20,903,423$189,925$0$14,121,605
94$22,958,149$121,808$0$15,478,607
95$25,220,018$47,915$0$16,972,796
96$27,710,082$0$0$18,618,196
97$30,451,538$0$0$20,442,280
98$33,469,945$0$0$22,470,437
99$36,793,470$0$0$24,703,672
100$40,453,146$0$0$27,162,845