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%12.4%
1 years$50,373$49,925$49,487$49,059$48,642$48,154
2 years$24,937$24,473$24,023$23,586$23,163$22,672
3 years$16,460$15,993$15,544$15,112$14,696$14,216
4 years$12,222$11,757$11,312$10,887$10,481$10,017
5 years$9,680$9,217$8,779$8,363$7,967$7,520
6 years$7,985$7,527$7,095$6,688$6,304$5,874
7 years$6,776$6,321$5,896$5,498$5,127$4,715
8 years$5,869$5,418$5,000$4,612$4,253$3,858
9 years$5,164$4,718$4,306$3,929$3,582$3,204
10 years$4,600$4,158$3,754$3,387$3,052$2,691
11 years$4,140$3,702$3,305$2,947$2,625$2,281
12 years$3,756$3,323$2,933$2,585$2,275$1,947
13 years$3,431$3,003$2,621$2,282$1,984$1,672
14 years$3,153$2,729$2,355$2,026$1,739$1,443
15 years$2,913$2,493$2,126$1,807$1,531$1,251
16 years$2,703$2,288$1,928$1,618$1,353$1,088
17 years$2,517$2,107$1,754$1,454$1,200$949
18 years$2,353$1,947$1,601$1,310$1,067$829
19 years$2,205$1,804$1,466$1,184$951$727
20 years$2,073$1,677$1,345$1,072$849$638
21 years$1,954$1,562$1,237$973$760$561
22 years$1,845$1,458$1,140$885$681$494
23 years$1,746$1,363$1,053$806$612$436
24 years$1,656$1,277$974$735$550$384
25 years$1,573$1,199$902$671$495$340
26 years$1,496$1,127$837$614$446$300
27 years$1,425$1,060$777$562$402$266
28 years$1,360$999$722$515$362$235
29 years$1,299$943$672$472$327$208
30 years$1,242$890$626$433$296$185
31 years$1,189$841$584$398$267$164
32 years$1,139$796$544$366$242$145
33 years$1,092$754$508$336$219$129
34 years$1,049$715$475$309$198$114
35 years$1,008$678$444$285$179$102
36 years$969$643$415$262$163$90
37 years$932$611$389$242$147$80
38 years$898$581$364$223$134$71
39 years$865$552$341$205$121$63
40 years$834$525$320$189$110$56
41 years$805$500$300$175$100$50
42 years$777$476$281$161$90$44
43 years$750$454$264$149$82$39
44 years$725$433$248$137$75$35
45 years$701$412$233$127$68$31
46 years$678$394$218$117$61$28
47 years$656$376$205$108$56$25
48 years$635$358$193$100$51$22
49 years$615$342$181$93$46$19
50 years$596$327$170$86$42$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $610,000, adding $3,373 every year, while hoping to spend $45,823 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: 71/21/8 Blend
51$610,000$610,000$610,000$610,000
52$675,699$643,369$633,914$722,523
53$695,865$626,139$606,395$736,691
54$716,552$606,529$576,418$746,210
55$737,765$584,373$543,853$755,369
56$759,508$559,498$508,563$764,123
57$781,783$531,719$470,405$772,421
58$804,591$500,840$429,230$780,209
59$827,933$466,654$384,882$787,427
60$851,805$428,943$337,199$794,013
61$876,204$387,476$286,010$799,900
62$901,124$342,009$231,138$805,013
63$926,555$292,284$172,397$809,273
64$952,486$238,028$109,595$812,596
65$978,901$178,954$42,528$814,890
66$1,005,783$114,756$0$816,056
67$1,033,108$45,114$0$818,467
68$1,060,850$0$0$823,563
69$1,088,975$0$0$834,612
70$1,117,447$0$0$856,340
71$1,146,221$0$0$878,287
72$1,175,246$0$0$900,413
73$1,204,463$0$0$922,671
74$1,233,805$0$0$945,007
75$1,263,193$0$0$967,360
76$1,292,541$0$0$989,661
77$1,321,748$0$0$1,011,831
78$1,350,701$0$0$1,033,781
79$1,379,273$0$0$1,055,411
80$1,407,319$0$0$1,076,606
81$1,434,677$0$0$1,097,240
82$1,461,167$0$0$1,117,170
83$1,486,583$0$0$1,136,234
84$1,510,697$0$0$1,154,255
85$1,533,255$0$0$1,171,030
86$1,553,970$0$0$1,186,336
87$1,572,524$0$0$1,199,923
88$1,588,562$0$0$1,211,513
89$1,601,688$0$0$1,220,794
90$1,611,463$0$0$1,227,421
91$1,617,397$0$0$1,231,011
92$1,618,945$0$0$1,231,136
93$1,615,503$0$0$1,227,323
94$1,606,400$0$0$1,219,046
95$1,590,891$0$0$1,205,719
96$1,568,150$0$0$1,186,697
97$1,537,262$0$0$1,161,262
98$1,497,212$0$0$1,128,618
99$1,446,876$0$0$1,087,884
100$1,385,009$0$0$1,038,087