Can I retire at age 52 with 617,000?

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 $617,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$50,951$50,497$50,055$49,622$49,200$48,931
2 years$25,223$24,754$24,298$23,857$23,429$23,157
3 years$16,649$16,177$15,723$15,285$14,864$14,599
4 years$12,362$11,892$11,442$11,012$10,601$10,344
5 years$9,791$9,323$8,880$8,458$8,059$7,810
6 years$8,077$7,613$7,176$6,764$6,377$6,137
7 years$6,854$6,393$5,963$5,561$5,186$4,956
8 years$5,936$5,480$5,057$4,665$4,302$4,081
9 years$5,223$4,772$4,356$3,974$3,623$3,411
10 years$4,653$4,206$3,798$3,425$3,087$2,884
11 years$4,187$3,744$3,343$2,981$2,655$2,461
12 years$3,799$3,361$2,967$2,615$2,301$2,116
13 years$3,471$3,037$2,651$2,309$2,006$1,830
14 years$3,190$2,761$2,382$2,049$1,759$1,590
15 years$2,946$2,522$2,150$1,828$1,549$1,388
16 years$2,734$2,314$1,950$1,636$1,369$1,216
17 years$2,546$2,131$1,774$1,470$1,213$1,069
18 years$2,380$1,969$1,620$1,325$1,079$942
19 years$2,231$1,825$1,483$1,197$962$832
20 years$2,097$1,696$1,361$1,084$859$736
21 years$1,976$1,580$1,252$984$769$653
22 years$1,866$1,474$1,154$895$689$580
23 years$1,766$1,379$1,065$815$619$515
24 years$1,675$1,292$985$743$556$459
25 years$1,591$1,213$912$679$500$409
26 years$1,513$1,140$846$621$451$364
27 years$1,442$1,072$786$568$406$325
28 years$1,375$1,011$730$520$367$290
29 years$1,313$953$680$477$331$260
30 years$1,256$900$633$438$299$232
31 years$1,202$851$590$402$270$208
32 years$1,152$805$551$370$245$186
33 years$1,105$763$514$340$221$166
34 years$1,061$723$480$313$200$149
35 years$1,019$686$449$288$182$134
36 years$980$651$420$265$164$120
37 years$943$618$393$244$149$107
38 years$908$587$368$225$135$96
39 years$875$559$345$208$123$86
40 years$844$531$323$192$111$77
41 years$814$506$303$177$101$69
42 years$786$482$284$163$92$62
43 years$759$459$267$151$83$56
44 years$733$438$251$139$75$50
45 years$709$417$235$128$68$45
46 years$685$398$221$119$62$40
47 years$663$380$208$110$56$36
48 years$642$363$195$101$51$33
49 years$622$346$183$94$47$29
50 years$602$331$172$86$42$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $617,000, adding $4,993 every year, while hoping to spend $26,687 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: 71/14/15 Blend
51$617,000$617,000$617,000$617,000
52$685,084$652,383$642,820$731,052
53$726,568$655,955$635,959$765,798
54$771,389$658,808$627,975$800,124
55$819,859$660,878$618,800$837,007
56$872,321$662,097$608,367$876,696
57$929,152$662,395$596,602$919,465
58$990,768$661,695$583,430$965,615
59$1,057,624$659,915$568,773$1,015,479
60$1,130,223$656,972$552,547$1,069,425
61$1,209,115$652,772$534,667$1,127,856
62$1,294,907$647,221$515,041$1,191,221
63$1,388,268$640,215$493,575$1,260,011
64$1,489,932$631,647$470,171$1,334,772
65$1,600,708$621,400$444,724$1,416,101
66$1,721,485$609,354$417,127$1,504,662
67$1,853,243$595,378$387,268$1,601,183
68$1,997,059$579,338$355,027$1,706,470
69$2,154,121$561,086$320,281$1,821,412
70$2,325,733$540,472$282,903$1,946,987
71$2,513,335$517,332$242,757$2,084,276
72$2,718,509$491,495$199,703$2,234,471
73$2,942,998$462,779$153,595$2,398,886
74$3,188,722$430,994$104,278$2,578,973
75$3,457,794$395,935$51,594$2,776,329
76$3,752,542$357,389$0$2,992,718
77$4,075,529$315,129$0$3,230,828
78$4,429,578$268,915$0$3,500,923
79$4,817,798$218,495$0$3,797,132
80$5,243,613$163,600$0$4,122,094
81$5,710,794$103,950$0$4,478,720
82$6,223,497$39,245$0$4,870,216
83$6,786,296$0$0$5,300,115
84$7,404,233$0$0$5,777,062
85$8,082,861$0$0$6,307,524
86$8,828,295$0$0$6,890,242
87$9,647,275$0$0$7,530,486
88$10,547,223$0$0$8,234,065
89$11,536,317$0$0$9,007,376
90$12,623,568$0$0$9,857,468
91$13,818,900$0$0$10,792,107
92$15,133,249$0$0$11,819,848
93$16,578,664$0$0$12,950,117
94$18,168,419$0$0$14,193,300
95$19,917,138$0$0$15,560,839
96$21,840,937$0$0$17,065,342
97$23,957,569$0$0$18,720,698
98$26,286,596$0$0$20,542,214
99$28,849,573$0$0$22,546,753
100$31,670,249$0$0$24,752,895