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%19.3%
1 years$51,364$50,907$50,460$50,025$49,599$47,744
2 years$25,428$24,954$24,495$24,050$23,619$21,771
3 years$16,783$16,308$15,850$15,409$14,985$13,203
4 years$12,462$11,988$11,535$11,101$10,687$8,984
5 years$9,870$9,399$8,951$8,527$8,124$6,505
6 years$8,143$7,675$7,234$6,819$6,428$4,894
7 years$6,909$6,445$6,012$5,606$5,228$3,777
8 years$5,984$5,525$5,098$4,703$4,337$2,969
9 years$5,266$4,810$4,391$4,006$3,653$2,366
10 years$4,691$4,240$3,828$3,453$3,112$1,904
11 years$4,221$3,775$3,370$3,005$2,677$1,544
12 years$3,830$3,388$2,991$2,636$2,319$1,260
13 years$3,499$3,062$2,672$2,327$2,023$1,034
14 years$3,215$2,783$2,401$2,066$1,773$851
15 years$2,970$2,542$2,168$1,842$1,561$703
16 years$2,756$2,333$1,966$1,650$1,380$582
17 years$2,567$2,148$1,789$1,482$1,223$483
18 years$2,399$1,985$1,633$1,336$1,088$401
19 years$2,249$1,840$1,495$1,207$970$334
20 years$2,114$1,710$1,372$1,093$866$278
21 years$1,992$1,592$1,262$992$775$232
22 years$1,882$1,486$1,163$902$695$194
23 years$1,781$1,390$1,074$822$624$162
24 years$1,688$1,303$993$749$560$135
25 years$1,604$1,222$920$684$504$113
26 years$1,525$1,149$853$626$454$95
27 years$1,453$1,081$792$573$410$79
28 years$1,386$1,019$736$525$370$66
29 years$1,324$961$685$481$334$56
30 years$1,266$908$638$442$302$46
31 years$1,212$858$595$406$273$39
32 years$1,161$812$555$373$247$33
33 years$1,114$769$518$343$223$27
34 years$1,069$729$484$315$202$23
35 years$1,027$691$453$290$183$19
36 years$988$656$424$267$166$16
37 years$951$623$396$246$150$13
38 years$915$592$371$227$136$11
39 years$882$563$348$209$124$9
40 years$850$536$326$193$112$8
41 years$820$510$306$178$102$7
42 years$792$486$287$164$92$6
43 years$765$463$269$152$84$5
44 years$739$441$253$140$76$4
45 years$714$421$237$129$69$3
46 years$691$401$223$120$63$3
47 years$669$383$209$110$57$2
48 years$647$366$197$102$52$2
49 years$627$349$185$94$47$2
50 years$607$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 $622,000, adding $6,477 every year, while hoping to spend $36,744 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: 59/11/30 Blend
51$622,000$622,000$622,000$622,000
52$692,125$659,159$649,518$726,944
53$723,626$652,362$632,182$744,728
54$757,110$644,001$613,033$759,689
55$792,738$633,960$591,972$775,261
56$830,689$622,117$568,896$791,515
57$871,161$608,342$543,695$808,527
58$914,366$592,497$516,255$826,388
59$960,540$574,438$486,459$845,196
60$1,009,940$554,011$454,181$865,062
61$1,062,850$531,053$419,291$886,112
62$1,119,577$505,392$381,654$908,484
63$1,180,463$476,845$341,128$932,335
64$1,245,880$445,220$297,566$957,839
65$1,316,237$410,313$250,812$985,191
66$1,391,984$371,909$200,705$1,014,608
67$1,473,614$329,780$147,076$1,046,332
68$1,561,669$283,686$89,750$1,080,635
69$1,656,745$233,372$28,542$1,117,816
70$1,759,496$178,570$0$1,158,212
71$1,870,641$118,997$0$1,213,967
72$1,990,970$54,352$0$1,284,239
73$2,121,353$0$0$1,360,410
74$2,262,745$0$0$1,444,960
75$2,416,198$0$0$1,543,906
76$2,582,866$0$0$1,651,417
77$2,764,020$0$0$1,768,322
78$2,961,061$0$0$1,895,526
79$3,175,525$0$0$2,034,031
80$3,409,106$0$0$2,184,936
81$3,663,668$0$0$2,349,452
82$3,941,260$0$0$2,528,910
83$4,244,139$0$0$2,724,777
84$4,574,790$0$0$2,938,667
85$4,935,946$0$0$3,172,357
86$5,330,617$0$0$3,427,802
87$5,762,118$0$0$3,707,156
88$6,234,096$0$0$4,012,791
89$6,750,571$0$0$4,347,316
90$7,315,964$0$0$4,713,608
91$7,935,148$0$0$5,114,832
92$8,613,487$0$0$5,554,474
93$9,356,888$0$0$6,036,375
94$10,171,858$0$0$6,564,763
95$11,065,563$0$0$7,144,295
96$12,045,896$0$0$7,780,103
97$13,121,549$0$0$8,477,837
98$14,302,099$0$0$9,243,720
99$15,598,092$0$0$10,084,610
100$17,021,148$0$0$11,008,058