Can I retire at age 52 with 622,000?

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 $622,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$51,364$50,907$50,460$50,025$49,599$48,302
2 years$25,428$24,954$24,495$24,050$23,619$22,321
3 years$16,783$16,308$15,850$15,409$14,985$13,727
4 years$12,462$11,988$11,535$11,101$10,687$9,478
5 years$9,870$9,399$8,951$8,527$8,124$6,968
6 years$8,143$7,675$7,234$6,819$6,428$5,326
7 years$6,909$6,445$6,012$5,606$5,228$4,180
8 years$5,984$5,525$5,098$4,703$4,337$3,342
9 years$5,266$4,810$4,391$4,006$3,653$2,710
10 years$4,691$4,240$3,828$3,453$3,112$2,221
11 years$4,221$3,775$3,370$3,005$2,677$1,836
12 years$3,830$3,388$2,991$2,636$2,319$1,527
13 years$3,499$3,062$2,672$2,327$2,023$1,277
14 years$3,215$2,783$2,401$2,066$1,773$1,073
15 years$2,970$2,542$2,168$1,842$1,561$905
16 years$2,756$2,333$1,966$1,650$1,380$765
17 years$2,567$2,148$1,789$1,482$1,223$648
18 years$2,399$1,985$1,633$1,336$1,088$551
19 years$2,249$1,840$1,495$1,207$970$468
20 years$2,114$1,710$1,372$1,093$866$399
21 years$1,992$1,592$1,262$992$775$340
22 years$1,882$1,486$1,163$902$695$291
23 years$1,781$1,390$1,074$822$624$248
24 years$1,688$1,303$993$749$560$213
25 years$1,604$1,222$920$684$504$182
26 years$1,525$1,149$853$626$454$156
27 years$1,453$1,081$792$573$410$133
28 years$1,386$1,019$736$525$370$114
29 years$1,324$961$685$481$334$98
30 years$1,266$908$638$442$302$84
31 years$1,212$858$595$406$273$72
32 years$1,161$812$555$373$247$62
33 years$1,114$769$518$343$223$53
34 years$1,069$729$484$315$202$46
35 years$1,027$691$453$290$183$39
36 years$988$656$424$267$166$34
37 years$951$623$396$246$150$29
38 years$915$592$371$227$136$25
39 years$882$563$348$209$124$21
40 years$850$536$326$193$112$18
41 years$820$510$306$178$102$16
42 years$792$486$287$164$92$13
43 years$765$463$269$152$84$12
44 years$739$441$253$140$76$10
45 years$714$421$237$129$69$9
46 years$691$401$223$120$63$7
47 years$669$383$209$110$57$6
48 years$647$366$197$102$52$5
49 years$627$349$185$94$47$5
50 years$607$333$174$87$43$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $622,000, adding $2,202 every year, while hoping to spend $26,423 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: 63/11/26 Blend
51$622,000$622,000$622,000$622,000
52$687,715$654,749$645,108$726,174
53$729,748$658,718$638,606$756,447
54$775,183$661,996$630,999$786,395
55$824,339$664,521$622,225$818,527
56$877,567$666,227$612,214$853,061
57$935,251$667,045$600,896$890,239
58$997,817$666,901$588,197$930,325
59$1,065,731$665,715$574,038$973,614
60$1,139,505$663,404$558,337$1,020,431
61$1,219,703$659,880$541,011$1,071,133
62$1,306,947$655,049$521,969$1,126,118
63$1,401,919$648,810$501,118$1,185,822
64$1,505,371$641,057$478,361$1,250,730
65$1,618,129$631,679$453,597$1,321,374
66$1,741,103$620,557$426,718$1,398,345
67$1,875,296$607,564$397,613$1,482,293
68$2,021,809$592,568$366,166$1,573,938
69$2,181,856$575,426$332,255$1,674,073
70$2,356,774$555,990$295,753$1,783,574
71$2,548,032$534,101$256,529$1,903,409
72$2,757,252$509,592$214,443$2,034,646
73$2,986,215$482,286$169,350$2,178,463
74$3,236,886$451,995$121,100$2,336,162
75$3,511,427$418,521$69,536$2,509,180
76$3,812,218$381,655$14,491$2,699,100
77$4,141,884$341,175$0$2,907,672
78$4,503,311$296,848$0$3,149,102
79$4,899,680$248,425$0$3,418,332
80$5,334,496$195,646$0$3,713,739
81$5,811,617$138,235$0$4,037,971
82$6,335,294$75,901$0$4,393,945
83$6,910,209$8,335$0$4,784,874
84$7,541,520$0$0$5,214,303
85$8,234,909$0$0$5,693,978
86$8,996,633$0$0$6,222,083
87$9,833,590$0$0$6,802,395
88$10,753,374$0$0$7,440,187
89$11,764,354$0$0$8,141,268
90$12,875,749$0$0$8,912,038
91$14,097,716$0$0$9,759,548
92$15,441,446$0$0$10,691,566
93$16,919,268$0$0$11,716,652
94$18,544,766$0$0$12,844,234
95$20,332,907$0$0$14,084,703
96$22,300,180$0$0$15,449,505
97$24,464,754$0$0$16,951,255
98$26,846,648$0$0$18,603,849
99$29,467,921$0$0$20,422,601
100$32,352,874$0$0$22,424,381