Can I retire at age 52 with 612,000?

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 $612,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$50,538$50,088$49,649$49,220$48,802$47,545
2 years$25,019$24,553$24,101$23,664$23,239$21,981
3 years$16,514$16,046$15,595$15,162$14,744$13,524
4 years$12,262$11,795$11,349$10,923$10,515$9,343
5 years$9,711$9,248$8,808$8,390$7,994$6,873
6 years$8,012$7,551$7,118$6,709$6,325$5,256
7 years$6,798$6,342$5,915$5,516$5,144$4,127
8 years$5,888$5,436$5,016$4,627$4,267$3,302
9 years$5,181$4,733$4,321$3,942$3,594$2,679
10 years$4,615$4,172$3,767$3,398$3,062$2,197
11 years$4,153$3,714$3,316$2,957$2,633$1,817
12 years$3,768$3,333$2,943$2,594$2,282$1,513
13 years$3,443$3,012$2,629$2,290$1,990$1,266
14 years$3,164$2,738$2,363$2,033$1,744$1,064
15 years$2,922$2,501$2,133$1,813$1,536$898
16 years$2,711$2,295$1,934$1,623$1,357$760
17 years$2,525$2,114$1,760$1,458$1,204$644
18 years$2,360$1,953$1,606$1,314$1,070$548
19 years$2,213$1,810$1,471$1,188$954$466
20 years$2,080$1,682$1,350$1,076$852$398
21 years$1,960$1,567$1,241$976$762$339
22 years$1,851$1,463$1,144$888$683$290
23 years$1,752$1,368$1,056$808$614$248
24 years$1,661$1,282$977$737$551$212
25 years$1,578$1,203$905$673$496$182
26 years$1,501$1,130$839$616$447$156
27 years$1,430$1,064$779$563$403$134
28 years$1,364$1,002$725$516$364$115
29 years$1,303$946$674$473$328$98
30 years$1,246$893$628$434$297$84
31 years$1,193$844$585$399$268$73
32 years$1,143$799$546$367$243$62
33 years$1,096$757$510$337$220$53
34 years$1,052$717$477$310$199$46
35 years$1,011$680$446$286$180$39
36 years$972$645$417$263$163$34
37 years$935$613$390$242$148$29
38 years$901$583$365$223$134$25
39 years$868$554$342$206$122$22
40 years$837$527$321$190$110$18
41 years$807$502$301$175$100$16
42 years$779$478$282$162$91$14
43 years$753$455$265$149$82$12
44 years$727$434$249$138$75$10
45 years$703$414$233$127$68$9
46 years$680$395$219$118$62$7
47 years$658$377$206$109$56$6
48 years$637$360$194$100$51$6
49 years$617$343$182$93$46$5
50 years$598$328$171$86$42$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $612,000, adding $6,908 every year, while hoping to spend $43,448 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: 74/7/19 Blend
51$612,000$612,000$612,000$612,000
52$681,550$649,114$639,628$728,447
53$704,839$634,692$614,827$746,060
54$729,048$618,107$587,739$759,390
55$754,225$599,208$558,242$772,869
56$780,420$577,833$526,207$786,502
57$807,688$553,813$491,501$800,296
58$836,090$526,967$453,983$814,260
59$865,688$497,105$413,508$828,401
60$896,551$464,026$369,924$842,731
61$928,753$427,517$323,070$857,264
62$962,373$387,353$272,780$872,015
63$997,497$343,295$218,880$887,003
64$1,034,218$295,093$161,189$902,250
65$1,072,637$242,481$99,518$917,781
66$1,112,862$185,178$33,667$933,625
67$1,155,010$122,888$0$949,816
68$1,199,209$55,298$0$973,814
69$1,245,598$0$0$1,006,009
70$1,294,327$0$0$1,041,046
71$1,345,559$0$0$1,082,369
72$1,399,471$0$0$1,125,864
73$1,456,258$0$0$1,171,688
74$1,516,129$0$0$1,220,012
75$1,579,315$0$0$1,271,023
76$1,646,064$0$0$1,324,924
77$1,716,649$0$0$1,381,937
78$1,791,369$0$0$1,442,304
79$1,870,549$0$0$1,506,290
80$1,954,544$0$0$1,574,184
81$2,043,741$0$0$1,646,302
82$2,138,567$0$0$1,722,990
83$2,239,485$0$0$1,804,627
84$2,347,005$0$0$1,891,626
85$2,461,683$0$0$1,984,440
86$2,584,129$0$0$2,083,568
87$2,715,013$0$0$2,189,554
88$2,855,067$0$0$2,302,994
89$3,005,095$0$0$2,424,543
90$3,165,979$0$0$2,554,919
91$3,338,685$0$0$2,694,911
92$3,524,274$0$0$2,845,383
93$3,723,913$0$0$3,007,284
94$3,938,881$0$0$3,181,656
95$4,170,581$0$0$3,369,645
96$4,420,558$0$0$3,572,508
97$4,690,506$0$0$3,791,626
98$4,982,290$0$0$4,028,517
99$5,297,956$0$0$4,284,852
100$5,639,755$0$0$4,562,463