Can I retire at age 52 with 621,000?

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 $621,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$51,282$50,825$50,379$49,944$49,519$49,269
2 years$25,387$24,914$24,456$24,012$23,581$23,328
3 years$16,757$16,282$15,825$15,384$14,961$14,714
4 years$12,442$11,969$11,516$11,084$10,670$10,431
5 years$9,854$9,384$8,937$8,513$8,111$7,880
6 years$8,129$7,662$7,222$6,808$6,418$6,195
7 years$6,898$6,435$6,002$5,597$5,220$5,005
8 years$5,975$5,516$5,090$4,695$4,330$4,124
9 years$5,257$4,803$4,384$4,000$3,647$3,449
10 years$4,683$4,233$3,822$3,448$3,107$2,918
11 years$4,214$3,769$3,365$3,000$2,672$2,492
12 years$3,824$3,383$2,986$2,632$2,316$2,143
13 years$3,493$3,057$2,668$2,323$2,019$1,855
14 years$3,210$2,779$2,397$2,063$1,770$1,613
15 years$2,965$2,538$2,164$1,839$1,559$1,409
16 years$2,751$2,329$1,962$1,647$1,377$1,236
17 years$2,563$2,145$1,786$1,480$1,221$1,087
18 years$2,395$1,982$1,630$1,334$1,086$958
19 years$2,245$1,837$1,492$1,205$968$847
20 years$2,111$1,707$1,370$1,091$865$750
21 years$1,989$1,590$1,260$991$774$665
22 years$1,879$1,484$1,161$901$694$591
23 years$1,778$1,388$1,072$820$623$526
24 years$1,686$1,300$991$748$560$468
25 years$1,601$1,220$918$683$504$418
26 years$1,523$1,147$852$625$454$373
27 years$1,451$1,079$791$572$409$333
28 years$1,384$1,017$735$524$369$298
29 years$1,322$960$684$480$333$266
30 years$1,264$906$637$441$301$238
31 years$1,210$857$594$405$272$213
32 years$1,160$811$554$372$246$191
33 years$1,112$768$518$342$223$171
34 years$1,068$728$484$315$202$154
35 years$1,026$690$452$290$183$138
36 years$986$655$423$267$166$123
37 years$949$622$396$246$150$111
38 years$914$591$371$227$136$99
39 years$881$562$347$209$123$89
40 years$849$535$326$193$112$80
41 years$819$509$305$178$102$72
42 years$791$485$286$164$92$65
43 years$764$462$269$152$84$58
44 years$738$440$252$140$76$52
45 years$713$420$237$129$69$47
46 years$690$401$222$119$63$42
47 years$668$382$209$110$57$38
48 years$646$365$196$102$52$34
49 years$626$349$185$94$47$31
50 years$606$333$174$87$43$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $621,000, adding $6,766 every year, while hoping to spend $44,697 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: 52/22/26 Blend
51$621,000$621,000$621,000$621,000
52$691,321$658,408$648,783$721,930
53$714,279$643,113$622,960$728,573
54$738,080$625,570$594,773$730,698
55$762,763$605,622$564,098$732,108
56$788,371$583,103$530,801$732,754
57$814,946$557,837$494,744$732,582
58$842,536$529,636$455,783$731,538
59$871,191$498,305$413,768$729,564
60$900,964$463,633$368,541$726,602
61$931,913$425,402$319,938$722,588
62$964,098$383,377$267,786$717,459
63$997,586$337,313$211,907$711,147
64$1,032,447$286,948$152,113$703,582
65$1,068,757$232,009$88,209$694,691
66$1,106,597$172,204$19,991$684,400
67$1,146,055$107,227$0$672,630
68$1,187,225$36,753$0$673,953
69$1,230,208$0$0$680,505
70$1,275,116$0$0$696,291
71$1,322,066$0$0$722,111
72$1,371,187$0$0$749,142
73$1,422,617$0$0$777,460
74$1,476,508$0$0$807,153
75$1,533,023$0$0$838,311
76$1,592,338$0$0$871,036
77$1,654,647$0$0$905,436
78$1,720,157$0$0$941,629
79$1,789,096$0$0$979,746
80$1,861,713$0$0$1,019,925
81$1,938,274$0$0$1,062,320
82$2,019,076$0$0$1,107,098
83$2,104,436$0$0$1,154,441
84$2,194,705$0$0$1,204,547
85$2,290,264$0$0$1,257,633
86$2,391,527$0$0$1,313,936
87$2,498,951$0$0$1,373,714
88$2,613,032$0$0$1,437,251
89$2,734,314$0$0$1,504,856
90$2,863,391$0$0$1,576,869
91$3,000,914$0$0$1,653,660
92$3,147,597$0$0$1,735,637
93$3,304,220$0$0$1,823,244
94$3,471,639$0$0$1,916,970
95$3,650,792$0$0$2,017,351
96$3,842,707$0$0$2,124,973
97$4,048,513$0$0$2,240,481
98$4,269,448$0$0$2,364,582
99$4,506,869$0$0$2,498,052
100$4,762,269$0$0$2,641,742