Can I retire at age 52 with 612,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%17.4%
1 years$50,538$50,088$49,649$49,220$48,802$47,334
2 years$25,019$24,553$24,101$23,664$23,239$21,773
3 years$16,514$16,046$15,595$15,162$14,744$13,325
4 years$12,262$11,795$11,349$10,923$10,515$9,155
5 years$9,711$9,248$8,808$8,390$7,994$6,695
6 years$8,012$7,551$7,118$6,709$6,325$5,090
7 years$6,798$6,342$5,915$5,516$5,144$3,972
8 years$5,888$5,436$5,016$4,627$4,267$3,157
9 years$5,181$4,733$4,321$3,942$3,594$2,545
10 years$4,615$4,172$3,767$3,398$3,062$2,073
11 years$4,153$3,714$3,316$2,957$2,633$1,702
12 years$3,768$3,333$2,943$2,594$2,282$1,407
13 years$3,443$3,012$2,629$2,290$1,990$1,169
14 years$3,164$2,738$2,363$2,033$1,744$975
15 years$2,922$2,501$2,133$1,813$1,536$816
16 years$2,711$2,295$1,934$1,623$1,357$685
17 years$2,525$2,114$1,760$1,458$1,204$576
18 years$2,360$1,953$1,606$1,314$1,070$486
19 years$2,213$1,810$1,471$1,188$954$410
20 years$2,080$1,682$1,350$1,076$852$347
21 years$1,960$1,567$1,241$976$762$294
22 years$1,851$1,463$1,144$888$683$249
23 years$1,752$1,368$1,056$808$614$211
24 years$1,661$1,282$977$737$551$179
25 years$1,578$1,203$905$673$496$152
26 years$1,501$1,130$839$616$447$129
27 years$1,430$1,064$779$563$403$110
28 years$1,364$1,002$725$516$364$93
29 years$1,303$946$674$473$328$79
30 years$1,246$893$628$434$297$67
31 years$1,193$844$585$399$268$57
32 years$1,143$799$546$367$243$49
33 years$1,096$757$510$337$220$42
34 years$1,052$717$477$310$199$35
35 years$1,011$680$446$286$180$30
36 years$972$645$417$263$163$26
37 years$935$613$390$242$148$22
38 years$901$583$365$223$134$19
39 years$868$554$342$206$122$16
40 years$837$527$321$190$110$13
41 years$807$502$301$175$100$11
42 years$779$478$282$162$91$10
43 years$753$455$265$149$82$8
44 years$727$434$249$138$75$7
45 years$703$414$233$127$68$6
46 years$680$395$219$118$62$5
47 years$658$377$206$109$56$4
48 years$637$360$194$100$51$4
49 years$617$343$182$93$46$3
50 years$598$328$171$86$42$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $612,000, adding $2,329 every year, while hoping to spend $30,672 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: 68/24/8 Blend
51$612,000$612,000$612,000$612,000
52$676,826$644,390$634,904$721,711
53$713,228$643,331$623,539$750,718
54$752,314$641,191$610,765$778,500
55$794,327$637,886$596,502$808,060
56$839,532$633,326$580,668$839,569
57$888,219$627,414$563,175$873,213
58$940,708$620,048$543,933$909,198
59$997,351$611,121$522,845$947,754
60$1,058,533$600,518$499,813$989,131
61$1,124,679$588,119$474,732$1,033,610
62$1,196,254$573,794$447,493$1,081,497
63$1,273,770$557,409$417,983$1,133,134
64$1,357,792$538,819$386,082$1,188,896
65$1,448,937$517,872$351,667$1,249,199
66$1,547,889$494,407$314,607$1,314,502
67$1,655,394$468,254$274,767$1,385,313
68$1,772,278$439,233$232,006$1,462,193
69$1,899,448$407,152$186,175$1,545,760
70$2,037,900$371,811$137,121$1,636,699
71$2,188,733$332,997$84,681$1,735,765
72$2,353,154$290,484$28,688$1,843,794
73$2,532,493$244,035$0$1,961,707
74$2,728,213$193,399$0$2,093,174
75$2,941,925$138,309$0$2,239,454
76$3,175,401$78,486$0$2,399,353
77$3,430,595$13,635$0$2,574,260
78$3,709,654$0$0$2,765,706
79$4,014,945$0$0$2,990,319
80$4,349,073$0$0$3,240,124
81$4,714,907$0$0$3,513,670
82$5,115,606$0$0$3,813,324
83$5,554,650$0$0$4,141,693
84$6,035,870$0$0$4,501,646
85$6,563,485$0$0$4,896,346
86$7,142,144$0$0$5,329,275
87$7,776,966$0$0$5,804,268
88$8,473,588$0$0$6,325,549
89$9,238,222$0$0$6,897,772
90$10,077,709$0$0$7,526,063
91$10,999,585$0$0$8,216,069
92$12,012,152$0$0$8,974,009
93$13,124,555$0$0$9,806,735
94$14,346,869$0$0$10,721,797
95$15,690,192$0$0$11,727,511
96$17,166,753$0$0$12,833,039
97$18,790,021$0$0$14,048,474
98$20,574,840$0$0$15,384,937
99$22,537,559$0$0$16,854,680
100$24,696,194$0$0$18,471,202