Can I retire at age 52 with 618,000?

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 $618,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$51,034$50,579$50,136$49,703$49,280$48,444
2 years$25,264$24,794$24,338$23,896$23,467$22,627
3 years$16,676$16,203$15,748$15,310$14,888$14,071
4 years$12,382$11,911$11,461$11,030$10,618$9,830
5 years$9,807$9,338$8,894$8,472$8,072$7,314
6 years$8,090$7,625$7,188$6,775$6,387$5,661
7 years$6,865$6,404$5,973$5,570$5,194$4,501
8 years$5,946$5,489$5,066$4,673$4,309$3,648
9 years$5,232$4,779$4,363$3,980$3,629$2,999
10 years$4,661$4,213$3,804$3,431$3,092$2,493
11 years$4,194$3,750$3,349$2,986$2,659$2,091
12 years$3,805$3,366$2,972$2,619$2,305$1,766
13 years$3,476$3,042$2,655$2,312$2,010$1,499
14 years$3,195$2,765$2,386$2,053$1,762$1,279
15 years$2,951$2,526$2,154$1,831$1,551$1,096
16 years$2,738$2,318$1,953$1,639$1,371$942
17 years$2,550$2,134$1,777$1,473$1,215$812
18 years$2,383$1,972$1,622$1,327$1,081$701
19 years$2,234$1,828$1,485$1,199$963$607
20 years$2,100$1,699$1,363$1,086$860$526
21 years$1,979$1,582$1,254$986$770$457
22 years$1,869$1,477$1,155$896$690$397
23 years$1,769$1,381$1,067$816$620$345
24 years$1,678$1,294$987$744$557$301
25 years$1,593$1,215$914$680$501$262
26 years$1,516$1,141$848$622$451$229
27 years$1,444$1,074$787$569$407$200
28 years$1,377$1,012$732$521$367$174
29 years$1,316$955$681$478$332$152
30 years$1,258$902$634$439$300$133
31 years$1,204$853$591$403$271$116
32 years$1,154$807$552$370$245$102
33 years$1,107$764$515$341$222$89
34 years$1,062$724$481$313$201$78
35 years$1,021$687$450$288$182$68
36 years$982$652$421$266$165$60
37 years$944$619$394$245$149$52
38 years$909$588$369$226$135$46
39 years$876$559$346$208$123$40
40 years$845$532$324$192$111$35
41 years$815$507$304$177$101$31
42 years$787$483$285$163$92$27
43 years$760$460$267$151$83$24
44 years$734$438$251$139$76$21
45 years$710$418$236$129$69$18
46 years$687$399$221$119$62$16
47 years$664$380$208$110$57$14
48 years$643$363$195$101$51$12
49 years$623$347$184$94$47$11
50 years$603$331$173$87$42$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $618,000, adding $5,830 every year, while hoping to spend $20,551 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: 40/41/19 Blend
51$618,000$618,000$618,000$618,000
52$687,050$654,296$644,717$710,453
53$735,263$664,490$644,449$737,912
54$787,705$674,495$643,483$765,188
55$844,785$684,280$641,774$794,270
56$906,955$693,812$639,275$825,332
57$974,710$703,054$635,937$858,569
58$1,048,597$711,970$631,707$894,195
59$1,129,215$720,518$626,531$932,446
60$1,217,227$728,656$620,352$973,584
61$1,313,361$736,336$613,110$1,017,898
62$1,418,417$743,510$604,742$1,065,709
63$1,533,279$750,125$595,184$1,117,369
64$1,658,917$756,125$584,367$1,173,270
65$1,796,401$761,450$572,218$1,233,843
66$1,946,910$766,037$558,663$1,299,565
67$2,111,739$769,817$543,623$1,370,964
68$2,292,318$772,720$527,016$1,448,622
69$2,490,220$774,668$508,755$1,533,183
70$2,707,175$775,580$488,752$1,625,358
71$2,945,094$775,370$466,912$1,725,931
72$3,206,076$773,946$443,136$1,835,772
73$3,492,437$771,210$417,322$1,955,838
74$3,806,726$767,060$389,363$2,087,187
75$4,151,751$761,385$359,146$2,230,989
76$4,530,606$754,069$326,553$2,388,534
77$4,946,699$744,989$291,464$2,561,246
78$5,403,783$734,015$253,749$2,750,701
79$5,905,994$721,007$213,275$2,958,633
80$6,457,888$705,819$169,902$3,186,963
81$7,064,484$688,295$123,485$3,437,806
82$7,731,311$668,272$73,872$3,713,500
83$8,464,462$645,574$20,903$4,016,623
84$9,270,647$620,017$0$4,350,023
85$10,157,262$591,407$0$4,724,063
86$11,132,453$559,537$0$5,139,980
87$12,205,197$524,188$0$5,597,395
88$13,385,384$485,130$0$6,100,568
89$14,683,911$442,118$0$6,654,196
90$16,112,783$394,896$0$7,263,462
91$17,685,231$343,190$0$7,934,078
92$19,415,830$286,711$0$8,672,346
93$21,320,641$225,157$0$9,485,215
94$23,417,362$158,205$0$10,380,347
95$25,725,492$85,516$0$11,366,190
96$28,266,516$6,731$0$12,452,062
97$31,064,112$0$0$13,648,236
98$34,144,367$0$0$15,001,468
99$37,536,026$0$0$16,494,956
100$41,270,766$0$0$18,139,626