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%13.8%
1 years$51,282$50,825$50,379$49,944$49,519$48,739
2 years$25,387$24,914$24,456$24,012$23,581$22,797
3 years$16,757$16,282$15,825$15,384$14,961$14,197
4 years$12,442$11,969$11,516$11,084$10,670$9,933
5 years$9,854$9,384$8,937$8,513$8,111$7,403
6 years$8,129$7,662$7,222$6,808$6,418$5,739
7 years$6,898$6,435$6,002$5,597$5,220$4,570
8 years$5,975$5,516$5,090$4,695$4,330$3,710
9 years$5,257$4,803$4,384$4,000$3,647$3,056
10 years$4,683$4,233$3,822$3,448$3,107$2,545
11 years$4,214$3,769$3,365$3,000$2,672$2,138
12 years$3,824$3,383$2,986$2,632$2,316$1,809
13 years$3,493$3,057$2,668$2,323$2,019$1,540
14 years$3,210$2,779$2,397$2,063$1,770$1,316
15 years$2,965$2,538$2,164$1,839$1,559$1,130
16 years$2,751$2,329$1,962$1,647$1,377$973
17 years$2,563$2,145$1,786$1,480$1,221$840
18 years$2,395$1,982$1,630$1,334$1,086$727
19 years$2,245$1,837$1,492$1,205$968$631
20 years$2,111$1,707$1,370$1,091$865$548
21 years$1,989$1,590$1,260$991$774$477
22 years$1,879$1,484$1,161$901$694$416
23 years$1,778$1,388$1,072$820$623$362
24 years$1,686$1,300$991$748$560$316
25 years$1,601$1,220$918$683$504$277
26 years$1,523$1,147$852$625$454$242
27 years$1,451$1,079$791$572$409$212
28 years$1,384$1,017$735$524$369$185
29 years$1,322$960$684$480$333$162
30 years$1,264$906$637$441$301$142
31 years$1,210$857$594$405$272$125
32 years$1,160$811$554$372$246$109
33 years$1,112$768$518$342$223$96
34 years$1,068$728$484$315$202$84
35 years$1,026$690$452$290$183$74
36 years$986$655$423$267$166$65
37 years$949$622$396$246$150$57
38 years$914$591$371$227$136$50
39 years$881$562$347$209$123$44
40 years$849$535$326$193$112$38
41 years$819$509$305$178$102$34
42 years$791$485$286$164$92$30
43 years$764$462$269$152$84$26
44 years$738$440$252$140$76$23
45 years$713$420$237$129$69$20
46 years$690$401$222$119$63$18
47 years$668$382$209$110$57$15
48 years$646$365$196$102$52$14
49 years$626$349$185$94$47$12
50 years$606$333$174$87$43$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $621,000, adding $5,236 every year, while hoping to spend $21,406 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: 51/30/19 Blend
51$621,000$621,000$621,000$621,000
52$689,743$656,830$647,204$721,047
53$737,321$666,239$646,110$752,592
54$789,034$675,391$644,261$784,226
55$845,283$684,252$641,611$818,161
56$906,505$692,784$638,108$854,622
57$973,184$700,946$633,701$893,858
58$1,045,853$708,696$628,334$936,143
59$1,125,096$715,988$621,949$981,782
60$1,211,557$722,774$614,486$1,031,108
61$1,305,947$729,000$605,881$1,084,492
62$1,409,044$734,612$596,069$1,142,341
63$1,521,709$739,550$584,980$1,205,107
64$1,644,888$743,753$572,541$1,273,287
65$1,779,621$747,152$558,677$1,347,431
66$1,927,057$749,676$543,306$1,428,145
67$2,088,457$751,251$526,348$1,516,099
68$2,265,213$751,795$507,713$1,612,032
69$2,458,855$751,223$487,312$1,716,761
70$2,671,070$749,445$465,049$1,831,185
71$2,903,716$746,365$440,825$1,956,299
72$3,158,838$741,880$414,535$2,093,200
73$3,438,689$735,881$386,072$2,243,100
74$3,745,750$728,255$355,321$2,407,334
75$4,082,756$718,879$322,163$2,587,377
76$4,452,717$707,624$286,476$2,784,856
77$4,858,950$694,353$248,128$3,001,568
78$5,305,109$678,922$206,986$3,239,493
79$5,795,218$661,177$162,908$3,500,818
80$6,333,711$640,956$115,747$3,787,955
81$6,925,473$618,086$65,347$4,103,565
82$7,575,885$592,386$11,550$4,450,582
83$8,290,875$563,663$0$4,832,247
84$9,076,975$531,713$0$5,261,428
85$9,941,381$496,322$0$5,735,873
86$10,892,021$457,261$0$6,257,620
87$11,937,630$414,289$0$6,831,504
88$13,087,831$367,152$0$7,462,852
89$14,353,229$315,582$0$8,157,540
90$15,745,506$259,293$0$8,922,043
91$17,277,535$197,986$0$9,763,502
92$18,963,500$131,343$0$10,689,788
93$20,819,028$59,031$0$11,709,579
94$22,861,340$0$0$12,832,441
95$25,109,409$0$0$14,075,292
96$27,584,141$0$0$15,464,986
97$30,308,574$0$0$16,994,979
98$33,308,090$0$0$18,679,537
99$36,610,661$0$0$20,534,379
100$40,247,106$0$0$22,576,825