Can I retire at age 52 with 626,000?

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 $626,000?

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$51,694$51,234$50,785$50,346$49,918$47,975
2 years$25,591$25,115$24,653$24,205$23,771$21,837
3 years$16,891$16,413$15,952$15,508$15,081$13,217
4 years$12,542$12,065$11,609$11,173$10,756$8,976
5 years$9,934$9,459$9,009$8,582$8,176$6,485
6 years$8,195$7,724$7,281$6,863$6,470$4,868
7 years$6,954$6,487$6,050$5,642$5,262$3,749
8 years$6,023$5,560$5,131$4,733$4,365$2,940
9 years$5,299$4,841$4,419$4,032$3,676$2,337
10 years$4,721$4,267$3,853$3,475$3,132$1,876
11 years$4,248$3,799$3,392$3,025$2,694$1,517
12 years$3,854$3,410$3,010$2,653$2,334$1,235
13 years$3,521$3,081$2,690$2,342$2,036$1,010
14 years$3,236$2,801$2,417$2,079$1,784$829
15 years$2,989$2,559$2,182$1,854$1,571$683
16 years$2,773$2,348$1,978$1,660$1,389$564
17 years$2,583$2,162$1,800$1,492$1,231$466
18 years$2,414$1,998$1,643$1,344$1,095$387
19 years$2,263$1,852$1,504$1,215$976$321
20 years$2,128$1,721$1,381$1,100$872$266
21 years$2,005$1,603$1,270$998$780$222
22 years$1,894$1,496$1,170$908$699$184
23 years$1,792$1,399$1,081$827$628$154
24 years$1,699$1,311$999$754$564$128
25 years$1,614$1,230$926$689$508$107
26 years$1,535$1,156$858$630$457$89
27 years$1,463$1,088$797$576$412$74
28 years$1,395$1,025$741$528$372$62
29 years$1,333$967$690$484$336$52
30 years$1,274$914$642$444$303$43
31 years$1,220$864$599$408$274$36
32 years$1,169$817$559$375$248$30
33 years$1,121$774$522$345$225$25
34 years$1,076$733$487$317$203$21
35 years$1,034$696$456$292$184$17
36 years$994$660$426$269$167$15
37 years$957$627$399$248$151$12
38 years$921$596$374$229$137$10
39 years$888$567$350$211$124$9
40 years$856$539$328$194$113$7
41 years$826$513$308$179$102$6
42 years$797$489$289$165$93$5
43 years$770$466$271$153$84$4
44 years$744$444$254$141$76$3
45 years$719$423$239$130$69$3
46 years$695$404$224$120$63$2
47 years$673$385$211$111$57$2
48 years$651$368$198$103$52$2
49 years$631$351$186$95$47$1
50 years$611$336$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 $626,000, adding $3,338 every year, while hoping to spend $42,172 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: 37/35/28 Blend
51$626,000$626,000$626,000$626,000
52$693,295$660,117$650,414$713,042
53$719,141$647,592$627,332$715,407
54$746,209$633,040$602,064$713,880
55$774,580$616,317$574,491$711,423
56$804,341$597,271$544,490$707,980
57$835,587$575,740$511,934$703,493
58$868,419$551,554$476,686$697,903
59$902,950$524,532$438,607$691,149
60$939,301$494,484$397,550$683,167
61$977,603$461,207$353,362$673,892
62$1,018,001$424,488$305,882$663,259
63$1,060,651$384,102$254,942$651,200
64$1,105,723$339,809$200,369$637,648
65$1,153,405$291,358$141,980$622,532
66$1,203,900$238,482$79,583$605,782
67$1,257,430$180,899$12,981$587,330
68$1,314,238$118,314$0$567,105
69$1,374,590$50,411$0$562,393
70$1,438,776$0$0$561,037
71$1,507,114$0$0$568,068
72$1,579,953$0$0$596,304
73$1,657,673$0$0$626,485
74$1,740,693$0$0$658,778
75$1,829,470$0$0$693,371
76$1,924,505$0$0$730,464
77$2,026,350$0$0$770,282
78$2,135,607$0$0$813,069
79$2,252,940$0$0$859,092
80$2,379,075$0$0$908,647
81$2,514,810$0$0$962,058
82$2,661,022$0$0$1,019,680
83$2,818,673$0$0$1,081,903
84$2,988,821$0$0$1,149,156
85$3,172,627$0$0$1,221,912
86$3,371,368$0$0$1,300,688
87$3,586,448$0$0$1,386,055
88$3,819,408$0$0$1,478,639
89$4,071,945$0$0$1,579,130
90$4,345,924$0$0$1,688,286
91$4,643,396$0$0$1,806,940
92$4,966,617$0$0$1,936,010
93$5,318,070$0$0$2,076,505
94$5,700,483$0$0$2,229,536
95$6,116,861$0$0$2,396,324
96$6,570,510$0$0$2,578,215
97$7,065,068$0$0$2,776,690
98$7,604,539$0$0$2,993,377
99$8,193,328$0$0$3,230,070
100$8,836,288$0$0$3,488,744