Can I retire at age 52 with 614,000?

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 $614,000?

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$50,704$50,252$49,811$49,381$48,961$47,875
2 years$25,101$24,633$24,180$23,741$23,315$22,226
3 years$16,568$16,098$15,646$15,211$14,792$13,735
4 years$12,302$11,834$11,386$10,959$10,550$9,532
5 years$9,743$9,278$8,836$8,417$8,020$7,045
6 years$8,038$7,576$7,141$6,731$6,346$5,414
7 years$6,820$6,362$5,934$5,534$5,161$4,273
8 years$5,907$5,454$5,033$4,643$4,281$3,437
9 years$5,198$4,748$4,335$3,954$3,606$2,804
10 years$4,631$4,186$3,779$3,409$3,072$2,312
11 years$4,167$3,726$3,327$2,967$2,642$1,923
12 years$3,780$3,344$2,953$2,602$2,290$1,611
13 years$3,454$3,022$2,638$2,297$1,997$1,356
14 years$3,174$2,747$2,370$2,039$1,750$1,147
15 years$2,932$2,510$2,140$1,819$1,541$974
16 years$2,720$2,303$1,940$1,628$1,362$829
17 years$2,534$2,121$1,766$1,463$1,208$708
18 years$2,368$1,959$1,612$1,319$1,074$606
19 years$2,220$1,816$1,475$1,191$957$519
20 years$2,087$1,688$1,354$1,079$855$446
21 years$1,967$1,572$1,246$979$765$383
22 years$1,857$1,467$1,148$890$686$330
23 years$1,758$1,372$1,060$811$616$284
24 years$1,667$1,286$980$740$553$245
25 years$1,583$1,207$908$675$498$211
26 years$1,506$1,134$842$618$448$182
27 years$1,435$1,067$782$565$404$157
28 years$1,368$1,006$727$518$365$136
29 years$1,307$949$676$475$329$118
30 years$1,250$896$630$436$298$102
31 years$1,196$847$587$400$269$88
32 years$1,146$801$548$368$243$76
33 years$1,100$759$512$338$220$66
34 years$1,056$719$478$311$199$57
35 years$1,014$682$447$287$181$49
36 years$975$648$418$264$164$43
37 years$938$615$391$243$148$37
38 years$904$585$367$224$134$32
39 years$871$556$343$207$122$28
40 years$839$529$322$191$111$24
41 years$810$503$302$176$100$21
42 years$782$479$283$162$91$18
43 years$755$457$266$150$83$16
44 years$730$435$249$138$75$14
45 years$705$415$234$128$68$12
46 years$682$396$220$118$62$10
47 years$660$378$207$109$56$9
48 years$639$361$194$101$51$8
49 years$619$345$182$93$46$7
50 years$599$329$172$86$42$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $614,000, adding $3,067 every year, while hoping to spend $22,408 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: 26/48/26 Blend
51$614,000$614,000$614,000$614,000
52$679,792$647,250$637,733$691,856
53$725,288$655,123$635,255$709,777
54$774,675$662,631$631,943$726,862
55$828,324$669,732$627,745$744,727
56$886,646$676,382$622,608$763,452
57$950,093$682,534$616,474$783,129
58$1,019,162$688,137$609,285$803,858
59$1,094,398$693,138$600,978$825,752
60$1,176,404$697,479$591,488$848,937
61$1,265,841$701,099$580,747$873,554
62$1,363,438$703,935$568,683$899,760
63$1,469,998$705,916$555,223$927,731
64$1,586,402$706,971$540,288$957,661
65$1,713,624$707,020$523,796$989,768
66$1,852,732$705,983$505,661$1,024,294
67$2,004,905$703,771$485,796$1,061,509
68$2,171,441$700,291$464,105$1,101,712
69$2,353,767$695,445$440,492$1,145,237
70$2,553,457$689,127$414,854$1,192,455
71$2,772,243$681,228$387,085$1,243,777
72$3,012,033$671,629$357,074$1,299,661
73$3,274,928$660,206$324,703$1,360,615
74$3,563,241$646,827$289,851$1,427,202
75$3,879,521$631,351$252,391$1,500,050
76$4,226,577$613,632$212,190$1,579,851
77$4,607,499$593,511$169,110$1,667,376
78$5,025,695$570,824$123,006$1,763,478
79$5,484,916$545,395$73,727$1,869,104
80$5,989,295$517,037$21,115$1,985,301
81$6,543,386$485,554$0$2,113,232
82$7,152,204$450,739$0$2,263,901
83$7,821,276$412,373$0$2,435,897
84$8,556,689$370,221$0$2,624,984
85$9,365,150$324,041$0$2,832,959
86$10,254,047$273,571$0$3,061,808
87$11,231,522$218,538$0$3,313,725
88$12,306,544$158,653$0$3,591,134
89$13,488,994$93,610$0$3,896,712
90$14,789,761$23,086$0$4,233,416
91$16,220,839$0$0$4,604,510
92$17,795,447$0$0$5,041,732
93$19,528,148$0$0$5,536,389
94$21,434,988$0$0$6,080,884
95$23,533,647$0$0$6,680,281
96$25,843,606$0$0$7,340,159
97$28,386,331$0$0$8,066,667
98$31,185,474$0$0$8,866,581
99$34,267,097$0$0$9,747,364
100$37,659,919$0$0$10,717,244