Can I retire at age 52 with 627,000?

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 $627,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$51,777$51,316$50,866$50,427$49,998$48,301
2 years$25,632$25,155$24,692$24,244$23,809$22,116
3 years$16,918$16,439$15,977$15,533$15,105$13,470
4 years$12,562$12,084$11,628$11,191$10,773$9,208
5 years$9,949$9,474$9,023$8,596$8,190$6,698
6 years$8,208$7,736$7,292$6,874$6,480$5,064
7 years$6,965$6,497$6,060$5,651$5,270$3,929
8 years$6,033$5,569$5,139$4,741$4,372$3,105
9 years$5,308$4,849$4,426$4,038$3,682$2,488
10 years$4,729$4,274$3,859$3,481$3,137$2,013
11 years$4,255$3,805$3,397$3,029$2,698$1,643
12 years$3,860$3,415$3,015$2,657$2,338$1,349
13 years$3,527$3,086$2,694$2,346$2,039$1,113
14 years$3,241$2,805$2,420$2,082$1,787$922
15 years$2,994$2,563$2,185$1,857$1,574$766
16 years$2,778$2,351$1,981$1,663$1,391$639
17 years$2,587$2,165$1,803$1,494$1,233$533
18 years$2,418$2,001$1,646$1,346$1,096$446
19 years$2,267$1,854$1,507$1,217$977$374
20 years$2,131$1,723$1,383$1,102$873$314
21 years$2,008$1,605$1,272$1,000$781$264
22 years$1,897$1,498$1,172$909$700$222
23 years$1,795$1,401$1,082$828$629$187
24 years$1,702$1,313$1,001$755$565$157
25 years$1,617$1,232$927$690$508$132
26 years$1,538$1,158$860$631$458$111
27 years$1,465$1,090$798$577$413$94
28 years$1,397$1,027$742$529$373$79
29 years$1,335$969$691$485$336$67
30 years$1,276$915$643$445$304$56
31 years$1,222$865$600$409$275$48
32 years$1,171$818$560$376$249$40
33 years$1,123$775$523$346$225$34
34 years$1,078$735$488$318$204$29
35 years$1,036$697$456$293$184$24
36 years$996$661$427$270$167$20
37 years$958$628$400$248$151$17
38 years$923$597$374$229$137$15
39 years$889$568$351$211$125$12
40 years$857$540$329$195$113$10
41 years$827$514$308$180$102$9
42 years$798$490$289$166$93$7
43 years$771$466$271$153$84$6
44 years$745$445$255$141$77$5
45 years$720$424$239$130$70$4
46 years$697$404$225$121$63$4
47 years$674$386$211$111$57$3
48 years$652$368$198$103$52$3
49 years$632$352$186$95$47$2
50 years$612$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 $627,000, adding $2,675 every year, while hoping to spend $35,880 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: 65/22/13 Blend
51$627,000$627,000$627,000$627,000
52$693,713$660,482$650,764$736,542
53$726,296$654,670$634,388$759,673
54$761,000$647,370$616,262$780,509
55$798,003$638,472$596,287$802,378
56$837,500$627,859$574,365$825,379
57$879,707$615,406$550,388$849,624
58$924,857$600,981$524,246$875,235
59$973,209$584,445$495,824$902,349
60$1,025,044$565,650$465,002$931,118
61$1,080,672$544,441$431,653$961,710
62$1,140,432$520,650$395,645$994,314
63$1,204,699$494,105$356,842$1,029,138
64$1,273,881$464,619$315,099$1,066,414
65$1,348,428$431,996$270,266$1,106,397
66$1,428,834$396,030$222,186$1,149,374
67$1,515,642$356,503$170,696$1,195,661
68$1,609,448$313,182$115,625$1,245,609
69$1,710,907$265,823$56,794$1,299,606
70$1,820,740$214,169$0$1,358,085
71$1,939,739$157,946$0$1,422,355
72$2,068,773$96,867$0$1,500,575
73$2,208,802$30,627$0$1,585,476
74$2,360,877$0$0$1,677,737
75$2,526,157$0$0$1,788,059
76$2,705,917$0$0$1,916,146
77$2,901,558$0$0$2,055,587
78$3,114,623$0$0$2,207,488
79$3,346,810$0$0$2,373,062
80$3,599,986$0$0$2,553,648
81$3,876,209$0$0$2,750,718
82$4,177,740$0$0$2,965,892
83$4,507,071$0$0$3,200,953
84$4,866,944$0$0$3,457,866
85$5,260,380$0$0$3,738,791
86$5,690,702$0$0$4,046,110
87$6,161,570$0$0$4,382,444
88$6,677,015$0$0$4,750,678
89$7,241,474$0$0$5,153,990
90$7,859,836$0$0$5,595,880
91$8,537,482$0$0$6,080,204
92$9,280,341$0$0$6,611,204
93$10,094,940$0$0$7,193,558
94$10,988,470$0$0$7,832,414
95$11,968,851$0$0$8,533,445
96$13,044,807$0$0$9,302,897
97$14,225,948$0$0$10,147,653
98$15,522,858$0$0$11,075,295
99$16,947,197$0$0$12,094,171
100$18,511,811$0$0$13,213,483