Can I retire at age 52 with 621,000?

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 $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%19.5%
1 years$51,282$50,825$50,379$49,944$49,519$47,630
2 years$25,387$24,914$24,456$24,012$23,581$21,699
3 years$16,757$16,282$15,825$15,384$14,961$13,146
4 years$12,442$11,969$11,516$11,084$10,670$8,937
5 years$9,854$9,384$8,937$8,513$8,111$6,464
6 years$8,129$7,662$7,222$6,808$6,418$4,857
7 years$6,898$6,435$6,002$5,597$5,220$3,745
8 years$5,975$5,516$5,090$4,695$4,330$2,941
9 years$5,257$4,803$4,384$4,000$3,647$2,340
10 years$4,683$4,233$3,822$3,448$3,107$1,881
11 years$4,214$3,769$3,365$3,000$2,672$1,523
12 years$3,824$3,383$2,986$2,632$2,316$1,242
13 years$3,493$3,057$2,668$2,323$2,019$1,017
14 years$3,210$2,779$2,397$2,063$1,770$836
15 years$2,965$2,538$2,164$1,839$1,559$689
16 years$2,751$2,329$1,962$1,647$1,377$570
17 years$2,563$2,145$1,786$1,480$1,221$472
18 years$2,395$1,982$1,630$1,334$1,086$392
19 years$2,245$1,837$1,492$1,205$968$326
20 years$2,111$1,707$1,370$1,091$865$271
21 years$1,989$1,590$1,260$991$774$226
22 years$1,879$1,484$1,161$901$694$188
23 years$1,778$1,388$1,072$820$623$157
24 years$1,686$1,300$991$748$560$131
25 years$1,601$1,220$918$683$504$109
26 years$1,523$1,147$852$625$454$91
27 years$1,451$1,079$791$572$409$76
28 years$1,384$1,017$735$524$369$64
29 years$1,322$960$684$480$333$53
30 years$1,264$906$637$441$301$45
31 years$1,210$857$594$405$272$37
32 years$1,160$811$554$372$246$31
33 years$1,112$768$518$342$223$26
34 years$1,068$728$484$315$202$22
35 years$1,026$690$452$290$183$18
36 years$986$655$423$267$166$15
37 years$949$622$396$246$150$13
38 years$914$591$371$227$136$11
39 years$881$562$347$209$123$9
40 years$849$535$326$193$112$7
41 years$819$509$305$178$102$6
42 years$791$485$286$164$92$5
43 years$764$462$269$152$84$4
44 years$738$440$252$140$76$4
45 years$713$420$237$129$69$3
46 years$690$401$222$119$63$3
47 years$668$382$209$110$57$2
48 years$646$365$196$102$52$2
49 years$626$349$185$94$47$2
50 years$606$333$174$87$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $621,000, adding $2,660 every year, while hoping to spend $32,639 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: 54/37/9 Blend
51$621,000$621,000$621,000$621,000
52$687,086$654,173$644,547$722,519
53$722,441$651,500$631,412$744,155
54$760,308$647,602$616,743$763,895
55$800,910$642,384$600,454$784,602
56$844,489$635,747$582,455$806,373
57$891,312$627,584$562,653$829,318
58$941,673$617,783$540,949$853,558
59$995,894$606,224$517,240$879,230
60$1,054,327$592,781$491,420$906,483
61$1,117,361$577,320$463,375$935,488
62$1,185,423$559,700$432,989$966,432
63$1,258,981$539,770$400,139$999,524
64$1,338,550$517,372$364,697$1,034,997
65$1,424,696$492,337$326,529$1,073,112
66$1,518,043$464,489$285,495$1,114,156
67$1,619,273$433,639$241,449$1,158,450
68$1,729,140$399,589$194,239$1,206,352
69$1,848,472$362,129$143,706$1,258,257
70$1,978,179$321,036$89,683$1,314,605
71$2,119,263$276,076$31,996$1,375,887
72$2,272,825$227,001$0$1,442,644
73$2,440,079$173,550$0$1,518,318
74$2,622,359$115,445$0$1,604,203
75$2,821,133$52,396$0$1,697,982
76$3,038,018$0$0$1,800,499
77$3,274,792$0$0$1,919,162
78$3,533,415$0$0$2,072,131
79$3,816,042$0$0$2,239,355
80$4,125,047$0$0$2,422,245
81$4,463,043$0$0$2,622,357
82$4,832,907$0$0$2,841,400
83$5,237,809$0$0$3,081,260
84$5,681,237$0$0$3,344,013
85$6,167,034$0$0$3,631,942
86$6,699,431$0$0$3,947,566
87$7,283,088$0$0$4,293,656
88$7,923,138$0$0$4,673,265
89$8,625,234$0$0$5,089,757
90$9,395,603$0$0$5,546,835
91$10,241,104$0$0$6,048,580
92$11,169,290$0$0$6,599,486
93$12,188,485$0$0$7,204,504
94$13,307,855$0$0$7,869,087
95$14,537,500$0$0$8,599,244
96$15,888,544$0$0$9,401,594
97$17,373,244$0$0$10,283,428
98$19,005,101$0$0$11,252,780
99$20,798,991$0$0$12,318,500
100$22,771,301$0$0$13,490,337