Can I retire at age 52 with 625,000?

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 $625,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$51,612$51,152$50,704$50,266$49,838$48,892
2 years$25,550$25,075$24,613$24,166$23,733$22,783
3 years$16,864$16,387$15,927$15,484$15,057$14,133
4 years$12,522$12,046$11,590$11,155$10,739$9,849
5 years$9,918$9,444$8,995$8,568$8,163$7,309
6 years$8,182$7,712$7,269$6,852$6,459$5,642
7 years$6,942$6,476$6,041$5,633$5,253$4,473
8 years$6,013$5,551$5,123$4,726$4,358$3,614
9 years$5,291$4,834$4,412$4,025$3,670$2,963
10 years$4,714$4,261$3,847$3,470$3,127$2,456
11 years$4,241$3,793$3,387$3,020$2,689$2,053
12 years$3,848$3,404$3,006$2,649$2,331$1,728
13 years$3,516$3,076$2,685$2,338$2,032$1,463
14 years$3,231$2,796$2,413$2,076$1,782$1,244
15 years$2,984$2,555$2,178$1,851$1,569$1,062
16 years$2,769$2,344$1,975$1,658$1,386$909
17 years$2,579$2,159$1,797$1,489$1,229$781
18 years$2,410$1,995$1,641$1,342$1,093$672
19 years$2,260$1,849$1,502$1,213$974$579
20 years$2,124$1,718$1,378$1,098$870$500
21 years$2,002$1,600$1,268$997$779$433
22 years$1,891$1,494$1,168$906$698$375
23 years$1,789$1,397$1,079$825$627$325
24 years$1,697$1,309$998$753$563$282
25 years$1,611$1,228$924$688$507$245
26 years$1,533$1,154$857$629$456$213
27 years$1,460$1,086$796$575$412$185
28 years$1,393$1,024$740$527$371$161
29 years$1,330$966$689$483$335$140
30 years$1,272$912$641$444$303$122
31 years$1,218$862$598$408$274$106
32 years$1,167$816$558$375$248$92
33 years$1,119$773$521$344$224$80
34 years$1,074$732$487$317$203$70
35 years$1,032$695$455$292$184$61
36 years$993$659$426$269$167$53
37 years$955$626$398$248$151$46
38 years$920$595$373$228$137$40
39 years$886$566$350$210$124$35
40 years$854$538$328$194$113$31
41 years$824$512$307$179$102$27
42 years$796$488$288$165$93$23
43 years$768$465$270$153$84$20
44 years$743$443$254$141$76$18
45 years$718$423$238$130$69$16
46 years$694$403$224$120$63$14
47 years$672$385$210$111$57$12
48 years$650$367$198$103$52$10
49 years$630$351$186$95$47$9
50 years$610$335$175$88$43$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $625,000, adding $4,657 every year, while hoping to spend $39,708 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: 54/20/26 Blend
51$625,000$625,000$625,000$625,000
52$693,554$660,429$650,741$725,785
53$722,047$650,541$630,292$738,634
54$752,116$638,837$607,827$748,134
55$783,879$625,188$583,237$757,665
56$817,466$609,453$556,406$767,245
57$853,019$591,487$527,217$776,897
58$890,691$571,134$495,543$786,644
59$930,651$548,230$461,253$796,519
60$973,085$522,600$424,212$806,558
61$1,018,193$494,061$384,277$816,804
62$1,066,197$462,418$341,298$827,308
63$1,117,337$427,465$295,120$838,129
64$1,171,879$388,985$245,581$849,334
65$1,230,113$346,747$192,509$861,003
66$1,292,355$300,508$135,729$873,226
67$1,358,955$250,013$75,056$886,107
68$1,430,293$194,988$10,295$899,764
69$1,506,789$135,148$0$914,333
70$1,588,901$70,190$0$946,282
71$1,677,134$0$0$983,579
72$1,772,040$0$0$1,023,667
73$1,874,229$0$0$1,083,505
74$1,984,365$0$0$1,148,044
75$2,103,184$0$0$1,217,716
76$2,231,488$0$0$1,293,002
77$2,370,164$0$0$1,374,425
78$2,520,183$0$0$1,462,564
79$2,682,614$0$0$1,558,054
80$2,858,633$0$0$1,661,592
81$3,049,531$0$0$1,773,946
82$3,256,728$0$0$1,895,961
83$3,481,789$0$0$2,028,566
84$3,726,432$0$0$2,172,781
85$3,992,547$0$0$2,329,732
86$4,282,215$0$0$2,500,654
87$4,597,726$0$0$2,686,908
88$4,941,600$0$0$2,889,994
89$5,316,607$0$0$3,111,558
90$5,725,801$0$0$3,353,415
91$6,172,540$0$0$3,617,563
92$6,660,522$0$0$3,906,200
93$7,193,817$0$0$4,221,747
94$7,776,907$0$0$4,566,868
95$8,414,725$0$0$4,944,499
96$9,112,705$0$0$5,357,871
97$9,876,828$0$0$5,810,540
98$10,713,683$0$0$6,306,427
99$11,630,524$0$0$6,849,845
100$12,635,340$0$0$7,445,546