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%17.8%
1 years$51,694$51,234$50,785$50,346$49,918$48,340
2 years$25,591$25,115$24,653$24,205$23,771$22,194
3 years$16,891$16,413$15,952$15,508$15,081$13,557
4 years$12,542$12,065$11,609$11,173$10,756$9,295
5 years$9,934$9,459$9,009$8,582$8,176$6,784
6 years$8,195$7,724$7,281$6,863$6,470$5,146
7 years$6,954$6,487$6,050$5,642$5,262$4,006
8 years$6,023$5,560$5,131$4,733$4,365$3,177
9 years$5,299$4,841$4,419$4,032$3,676$2,555
10 years$4,721$4,267$3,853$3,475$3,132$2,075
11 years$4,248$3,799$3,392$3,025$2,694$1,700
12 years$3,854$3,410$3,010$2,653$2,334$1,401
13 years$3,521$3,081$2,690$2,342$2,036$1,161
14 years$3,236$2,801$2,417$2,079$1,784$966
15 years$2,989$2,559$2,182$1,854$1,571$806
16 years$2,773$2,348$1,978$1,660$1,389$675
17 years$2,583$2,162$1,800$1,492$1,231$566
18 years$2,414$1,998$1,643$1,344$1,095$476
19 years$2,263$1,852$1,504$1,215$976$401
20 years$2,128$1,721$1,381$1,100$872$338
21 years$2,005$1,603$1,270$998$780$285
22 years$1,894$1,496$1,170$908$699$241
23 years$1,792$1,399$1,081$827$628$203
24 years$1,699$1,311$999$754$564$172
25 years$1,614$1,230$926$689$508$146
26 years$1,535$1,156$858$630$457$123
27 years$1,463$1,088$797$576$412$104
28 years$1,395$1,025$741$528$372$89
29 years$1,333$967$690$484$336$75
30 years$1,274$914$642$444$303$64
31 years$1,220$864$599$408$274$54
32 years$1,169$817$559$375$248$46
33 years$1,121$774$522$345$225$39
34 years$1,076$733$487$317$203$33
35 years$1,034$696$456$292$184$28
36 years$994$660$426$269$167$24
37 years$957$627$399$248$151$20
38 years$921$596$374$229$137$17
39 years$888$567$350$211$124$14
40 years$856$539$328$194$113$12
41 years$826$513$308$179$102$10
42 years$797$489$289$165$93$9
43 years$770$466$271$153$84$8
44 years$744$444$254$141$76$6
45 years$719$423$239$130$69$5
46 years$695$404$224$120$63$5
47 years$673$385$211$111$57$4
48 years$651$368$198$103$52$3
49 years$631$351$186$95$47$3
50 years$611$336$175$88$43$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $626,000, adding $3,218 every year, while hoping to spend $23,764 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: 59/14/27 Blend
51$626,000$626,000$626,000$626,000
52$693,171$659,993$650,290$728,821
53$738,590$667,048$646,790$760,587
54$787,845$673,653$642,377$792,410
55$841,303$679,759$636,994$826,624
56$899,365$685,317$630,583$863,467
57$962,476$690,273$623,083$903,202
58$1,031,123$694,570$614,430$946,120
59$1,105,841$698,148$604,558$992,542
60$1,187,222$700,942$593,395$1,042,822
61$1,275,913$702,883$580,869$1,097,353
62$1,372,631$703,899$566,902$1,156,566
63$1,478,161$703,911$551,414$1,220,940
64$1,593,368$702,838$534,322$1,291,001
65$1,719,207$700,592$515,537$1,367,332
66$1,856,725$697,081$494,967$1,450,576
67$2,007,079$692,205$472,516$1,541,442
68$2,171,538$685,861$448,083$1,640,715
69$2,351,505$677,938$421,563$1,749,258
70$2,548,520$668,318$392,847$1,868,027
71$2,764,281$656,878$361,819$1,998,075
72$3,000,658$643,485$328,360$2,140,565
73$3,259,709$628,000$292,345$2,296,780
74$3,543,703$610,275$253,642$2,468,137
75$3,855,136$590,154$212,114$2,656,198
76$4,196,760$567,472$167,620$2,862,688
77$4,571,604$542,053$120,010$3,089,509
78$4,983,006$513,711$69,128$3,338,761
79$5,434,641$482,251$14,812$3,612,760
80$5,930,559$447,466$0$3,914,061
81$6,475,220$409,137$0$4,257,915
82$7,073,539$367,031$0$4,640,361
83$7,730,929$320,904$0$5,060,611
84$8,453,353$270,498$0$5,522,504
85$9,247,381$215,538$0$6,030,271
86$10,120,251$155,737$0$6,588,575
87$11,079,937$90,788$0$7,202,556
88$12,135,226$20,372$0$7,877,878
89$13,295,795$0$0$8,620,784
90$14,572,310$0$0$9,446,759
91$15,976,520$0$0$10,358,871
92$17,521,371$0$0$11,362,397
93$19,221,128$0$0$12,466,611
94$21,091,506$0$0$13,681,730
95$23,149,822$0$0$15,019,012
96$25,415,156$0$0$16,490,862
97$27,908,532$0$0$18,110,947
98$30,653,114$0$0$19,894,329
99$33,674,428$0$0$21,857,602
100$37,000,599$0$0$24,019,052