Can I retire at age 52 with 617,000?

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 $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%15.4%
1 years$50,951$50,497$50,055$49,622$49,200$48,109
2 years$25,223$24,754$24,298$23,857$23,429$22,335
3 years$16,649$16,177$15,723$15,285$14,864$13,802
4 years$12,362$11,892$11,442$11,012$10,601$9,579
5 years$9,791$9,323$8,880$8,458$8,059$7,079
6 years$8,077$7,613$7,176$6,764$6,377$5,441
7 years$6,854$6,393$5,963$5,561$5,186$4,294
8 years$5,936$5,480$5,057$4,665$4,302$3,454
9 years$5,223$4,772$4,356$3,974$3,623$2,818
10 years$4,653$4,206$3,798$3,425$3,087$2,324
11 years$4,187$3,744$3,343$2,981$2,655$1,933
12 years$3,799$3,361$2,967$2,615$2,301$1,618
13 years$3,471$3,037$2,651$2,309$2,006$1,363
14 years$3,190$2,761$2,382$2,049$1,759$1,153
15 years$2,946$2,522$2,150$1,828$1,549$978
16 years$2,734$2,314$1,950$1,636$1,369$833
17 years$2,546$2,131$1,774$1,470$1,213$711
18 years$2,380$1,969$1,620$1,325$1,079$609
19 years$2,231$1,825$1,483$1,197$962$522
20 years$2,097$1,696$1,361$1,084$859$448
21 years$1,976$1,580$1,252$984$769$385
22 years$1,866$1,474$1,154$895$689$331
23 years$1,766$1,379$1,065$815$619$285
24 years$1,675$1,292$985$743$556$246
25 years$1,591$1,213$912$679$500$212
26 years$1,513$1,140$846$621$451$183
27 years$1,442$1,072$786$568$406$158
28 years$1,375$1,011$730$520$367$137
29 years$1,313$953$680$477$331$118
30 years$1,256$900$633$438$299$102
31 years$1,202$851$590$402$270$88
32 years$1,152$805$551$370$245$76
33 years$1,105$763$514$340$221$66
34 years$1,061$723$480$313$200$57
35 years$1,019$686$449$288$182$50
36 years$980$651$420$265$164$43
37 years$943$618$393$244$149$37
38 years$908$587$368$225$135$32
39 years$875$559$345$208$123$28
40 years$844$531$323$192$111$24
41 years$814$506$303$177$101$21
42 years$786$482$284$163$92$18
43 years$759$459$267$151$83$16
44 years$733$438$251$139$75$14
45 years$709$417$235$128$68$12
46 years$685$398$221$119$62$10
47 years$663$380$208$110$56$9
48 years$642$363$195$101$51$8
49 years$622$346$183$94$47$7
50 years$602$331$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 $617,000, adding $5,074 every year, while hoping to spend $44,673 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: 53/39/8 Blend
51$617,000$617,000$617,000$617,000
52$685,168$652,467$642,903$719,868
53$707,523$636,906$616,909$728,412
54$730,662$619,085$588,546$732,404
55$754,616$598,847$557,689$735,681
56$779,420$576,024$524,205$738,183
57$805,111$550,440$487,957$739,849
58$831,728$521,907$448,798$740,613
59$859,311$490,227$406,580$740,405
60$887,904$455,191$361,144$739,152
61$917,554$416,579$312,325$736,777
62$948,308$374,156$259,953$733,199
63$980,221$327,674$203,846$728,333
64$1,013,346$276,874$143,818$722,089
65$1,047,745$221,478$79,673$714,373
66$1,083,480$161,195$11,207$705,086
67$1,120,619$95,718$0$694,124
68$1,159,235$24,721$0$686,659
69$1,199,406$0$0$678,661
70$1,241,215$0$0$691,448
71$1,284,751$0$0$715,821
72$1,330,112$0$0$741,226
73$1,377,401$0$0$767,723
74$1,426,729$0$0$795,375
75$1,478,216$0$0$824,253
76$1,531,993$0$0$854,430
77$1,588,200$0$0$885,987
78$1,646,989$0$0$919,012
79$1,708,522$0$0$953,599
80$1,772,979$0$0$989,850
81$1,840,550$0$0$1,027,878
82$1,911,447$0$0$1,067,801
83$1,985,894$0$0$1,109,752
84$2,064,138$0$0$1,153,872
85$2,146,448$0$0$1,200,317
86$2,233,113$0$0$1,249,255
87$2,324,452$0$0$1,300,869
88$2,420,810$0$0$1,355,360
89$2,522,562$0$0$1,412,946
90$2,630,121$0$0$1,473,865
91$2,743,934$0$0$1,538,376
92$2,864,491$0$0$1,606,765
93$2,992,325$0$0$1,679,340
94$3,128,022$0$0$1,756,442
95$3,272,220$0$0$1,838,441
96$3,425,618$0$0$1,925,744
97$3,588,981$0$0$2,018,794
98$3,763,146$0$0$2,118,080
99$3,949,031$0$0$2,224,133
100$4,147,641$0$0$2,337,540