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%19.7%
1 years$51,612$51,152$50,704$50,266$49,838$47,899
2 years$25,550$25,075$24,613$24,166$23,733$21,802
3 years$16,864$16,387$15,927$15,484$15,057$13,196
4 years$12,522$12,046$11,590$11,155$10,739$8,962
5 years$9,918$9,444$8,995$8,568$8,163$6,475
6 years$8,182$7,712$7,269$6,852$6,459$4,860
7 years$6,942$6,476$6,041$5,633$5,253$3,743
8 years$6,013$5,551$5,123$4,726$4,358$2,935
9 years$5,291$4,834$4,412$4,025$3,670$2,333
10 years$4,714$4,261$3,847$3,470$3,127$1,873
11 years$4,241$3,793$3,387$3,020$2,689$1,515
12 years$3,848$3,404$3,006$2,649$2,331$1,233
13 years$3,516$3,076$2,685$2,338$2,032$1,008
14 years$3,231$2,796$2,413$2,076$1,782$828
15 years$2,984$2,555$2,178$1,851$1,569$682
16 years$2,769$2,344$1,975$1,658$1,386$563
17 years$2,579$2,159$1,797$1,489$1,229$466
18 years$2,410$1,995$1,641$1,342$1,093$386
19 years$2,260$1,849$1,502$1,213$974$320
20 years$2,124$1,718$1,378$1,098$870$266
21 years$2,002$1,600$1,268$997$779$221
22 years$1,891$1,494$1,168$906$698$184
23 years$1,789$1,397$1,079$825$627$153
24 years$1,697$1,309$998$753$563$128
25 years$1,611$1,228$924$688$507$106
26 years$1,533$1,154$857$629$456$89
27 years$1,460$1,086$796$575$412$74
28 years$1,393$1,024$740$527$371$62
29 years$1,330$966$689$483$335$52
30 years$1,272$912$641$444$303$43
31 years$1,218$862$598$408$274$36
32 years$1,167$816$558$375$248$30
33 years$1,119$773$521$344$224$25
34 years$1,074$732$487$317$203$21
35 years$1,032$695$455$292$184$17
36 years$993$659$426$269$167$15
37 years$955$626$398$248$151$12
38 years$920$595$373$228$137$10
39 years$886$566$350$210$124$9
40 years$854$538$328$194$113$7
41 years$824$512$307$179$102$6
42 years$796$488$288$165$93$5
43 years$768$465$270$153$84$4
44 years$743$443$254$141$76$3
45 years$718$423$238$130$69$3
46 years$694$403$224$120$63$2
47 years$672$385$210$111$57$2
48 years$650$367$198$103$52$2
49 years$630$351$186$95$47$1
50 years$610$335$175$88$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $625,000, adding $4,604 every year, while hoping to spend $42,216 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: 45/44/11 Blend
51$625,000$625,000$625,000$625,000
52$693,499$660,374$650,687$722,344
53$719,318$647,815$627,567$730,256
54$746,357$633,225$602,258$734,154
55$774,693$616,462$574,642$737,433
56$804,414$597,371$544,595$740,051
57$835,614$575,792$511,989$741,967
58$868,395$551,554$476,689$743,136
59$902,867$524,476$438,553$743,515
60$939,151$494,366$397,436$743,058
61$977,378$461,024$353,184$741,719
62$1,017,691$424,234$305,636$739,453
63$1,060,245$383,772$254,625$736,214
64$1,105,211$339,397$199,975$731,955
65$1,152,772$290,857$141,504$726,631
66$1,203,133$237,887$79,022$720,199
67$1,256,512$180,203$12,329$712,614
68$1,313,152$117,509$0$703,835
69$1,373,316$49,489$0$700,731
70$1,437,293$0$0$698,352
71$1,505,398$0$0$706,956
72$1,577,977$0$0$741,701
73$1,655,409$0$0$778,814
74$1,738,108$0$0$818,498
75$1,826,528$0$0$860,978
76$1,921,168$0$0$906,499
77$2,022,574$0$0$955,330
78$2,131,345$0$0$1,007,768
79$2,248,138$0$0$1,064,137
80$2,373,675$0$0$1,124,793
81$2,508,748$0$0$1,190,128
82$2,654,226$0$0$1,260,571
83$2,811,066$0$0$1,336,595
84$2,980,315$0$0$1,418,717
85$3,163,127$0$0$1,507,508
86$3,360,769$0$0$1,603,594
87$3,574,633$0$0$1,707,664
88$3,806,249$0$0$1,820,476
89$4,057,301$0$0$1,942,861
90$4,329,639$0$0$2,075,735
91$4,625,298$0$0$2,220,105
92$4,946,517$0$0$2,377,079
93$5,295,757$0$0$2,547,877
94$5,675,727$0$0$2,733,838
95$6,089,408$0$0$2,936,438
96$6,540,079$0$0$3,157,302
97$7,031,350$0$0$3,398,217
98$7,567,192$0$0$3,661,149
99$8,151,978$0$0$3,948,265
100$8,790,518$0$0$4,261,946