Can I retire at age 52 with 611,000?

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 $611,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$50,456$50,006$49,568$49,140$48,722$47,641
2 years$24,978$24,513$24,062$23,625$23,201$22,117
3 years$16,487$16,019$15,570$15,137$14,720$13,667
4 years$12,242$11,776$11,331$10,905$10,498$9,485
5 years$9,696$9,233$8,793$8,376$7,981$7,010
6 years$7,999$7,539$7,106$6,699$6,315$5,388
7 years$6,787$6,331$5,905$5,507$5,136$4,252
8 years$5,879$5,427$5,008$4,620$4,260$3,420
9 years$5,172$4,725$4,314$3,935$3,588$2,790
10 years$4,608$4,165$3,761$3,392$3,057$2,301
11 years$4,146$3,708$3,311$2,952$2,629$1,914
12 years$3,762$3,328$2,938$2,589$2,278$1,603
13 years$3,437$3,008$2,625$2,286$1,987$1,349
14 years$3,159$2,734$2,359$2,029$1,742$1,141
15 years$2,918$2,497$2,130$1,810$1,533$969
16 years$2,707$2,291$1,931$1,620$1,355$825
17 years$2,521$2,110$1,757$1,456$1,202$704
18 years$2,356$1,950$1,604$1,312$1,068$603
19 years$2,209$1,807$1,468$1,186$952$517
20 years$2,077$1,679$1,347$1,074$851$443
21 years$1,957$1,564$1,239$975$761$381
22 years$1,848$1,460$1,142$886$682$328
23 years$1,749$1,366$1,055$807$613$283
24 years$1,659$1,280$975$736$551$244
25 years$1,575$1,201$903$672$495$210
26 years$1,498$1,129$838$615$446$181
27 years$1,428$1,062$778$563$402$157
28 years$1,362$1,001$723$515$363$135
29 years$1,301$944$673$473$328$117
30 years$1,244$892$627$434$296$101
31 years$1,191$843$585$398$268$88
32 years$1,141$798$545$366$242$76
33 years$1,094$755$509$337$219$66
34 years$1,050$716$476$310$198$57
35 years$1,009$679$445$285$180$49
36 years$970$644$416$263$163$43
37 years$934$612$389$242$148$37
38 years$899$582$365$223$134$32
39 years$866$553$342$206$121$28
40 years$835$526$320$190$110$24
41 years$806$501$300$175$100$21
42 years$778$477$282$162$91$18
43 years$751$455$264$149$82$16
44 years$726$433$248$138$75$13
45 years$702$413$233$127$68$12
46 years$679$394$219$117$62$10
47 years$657$376$206$109$56$9
48 years$636$359$193$100$51$8
49 years$616$343$182$93$46$7
50 years$597$328$171$86$42$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $611,000, adding $6,927 every year, while hoping to spend $44,352 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: 65/10/25 Blend
51$611,000$611,000$611,000$611,000
52$680,467$648,084$638,614$719,836
53$702,685$632,650$612,817$731,790
54$725,682$614,973$584,670$739,254
55$749,491$594,897$554,046$746,413
56$774,148$572,255$520,815$753,239
57$799,688$546,873$484,839$759,705
58$826,150$518,564$445,976$765,783
59$853,576$487,132$404,074$771,442
60$882,008$452,369$358,978$776,653
61$911,494$414,056$310,525$781,382
62$942,082$371,960$258,543$785,598
63$973,825$325,837$202,855$789,265
64$1,006,779$275,427$143,275$792,349
65$1,041,004$220,456$79,607$794,813
66$1,076,562$160,634$11,650$796,622
67$1,113,523$95,656$0$797,736
68$1,151,959$25,200$0$814,356
69$1,191,948$0$0$834,576
70$1,233,575$0$0$860,928
71$1,276,929$0$0$891,268
72$1,322,108$0$0$922,892
73$1,369,215$0$0$955,875
74$1,418,363$0$0$990,296
75$1,469,674$0$0$1,026,240
76$1,523,276$0$0$1,063,801
77$1,579,313$0$0$1,103,080
78$1,637,936$0$0$1,144,184
79$1,699,311$0$0$1,187,231
80$1,763,617$0$0$1,232,349
81$1,831,048$0$0$1,279,676
82$1,901,815$0$0$1,329,361
83$1,976,146$0$0$1,381,567
84$2,054,289$0$0$1,436,472
85$2,136,515$0$0$1,494,268
86$2,223,118$0$0$1,555,164
87$2,314,418$0$0$1,619,388
88$2,410,763$0$0$1,687,190
89$2,512,535$0$0$1,758,840
90$2,620,147$0$0$1,834,634
91$2,734,052$0$0$1,914,896
92$2,854,745$0$0$1,999,978
93$2,982,767$0$0$2,090,267
94$3,118,707$0$0$2,186,182
95$3,263,211$0$0$2,288,186
96$3,416,986$0$0$2,396,784
97$3,580,805$0$0$2,512,528
98$3,755,516$0$0$2,636,022
99$3,942,045$0$0$2,767,930
100$4,141,409$0$0$2,908,979