Can I retire at age 52 with 628,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $628,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$51,860$51,398$50,947$50,507$50,078$49,534
2 years$25,673$25,195$24,732$24,282$23,846$23,299
3 years$16,945$16,465$16,003$15,558$15,129$14,595
4 years$12,582$12,104$11,646$11,209$10,790$10,274
5 years$9,965$9,489$9,038$8,609$8,203$7,705
6 years$8,221$7,749$7,304$6,885$6,490$6,012
7 years$6,976$6,507$6,070$5,660$5,278$4,820
8 years$6,042$5,578$5,147$4,748$4,379$3,940
9 years$5,316$4,857$4,434$4,045$3,688$3,268
10 years$4,736$4,281$3,865$3,486$3,142$2,742
11 years$4,262$3,811$3,403$3,034$2,702$2,321
12 years$3,867$3,421$3,020$2,661$2,342$1,979
13 years$3,533$3,091$2,698$2,350$2,042$1,697
14 years$3,247$2,810$2,424$2,086$1,790$1,463
15 years$2,999$2,567$2,189$1,860$1,576$1,266
16 years$2,782$2,355$1,984$1,666$1,393$1,099
17 years$2,591$2,169$1,806$1,496$1,235$957
18 years$2,422$2,004$1,648$1,349$1,098$836
19 years$2,271$1,857$1,509$1,219$979$731
20 years$2,134$1,726$1,385$1,104$874$641
21 years$2,011$1,608$1,274$1,002$782$563
22 years$1,900$1,501$1,174$911$701$495
23 years$1,798$1,404$1,084$829$630$436
24 years$1,705$1,315$1,003$756$566$384
25 years$1,619$1,234$929$691$509$339
26 years$1,540$1,160$861$632$459$299
27 years$1,467$1,092$800$578$414$264
28 years$1,400$1,029$743$530$373$233
29 years$1,337$970$692$486$337$206
30 years$1,278$916$644$446$304$183
31 years$1,224$866$601$409$275$162
32 years$1,173$820$561$376$249$143
33 years$1,125$776$523$346$225$127
34 years$1,080$736$489$318$204$112
35 years$1,037$698$457$293$185$100
36 years$997$662$428$270$167$88
37 years$960$629$400$249$152$78
38 years$924$598$375$229$138$69
39 years$890$569$351$211$125$62
40 years$859$541$329$195$113$55
41 years$828$515$309$180$103$48
42 years$800$490$290$166$93$43
43 years$772$467$272$153$85$38
44 years$746$445$255$141$77$34
45 years$721$425$239$131$70$30
46 years$698$405$225$121$63$27
47 years$675$387$211$112$57$24
48 years$654$369$199$103$52$21
49 years$633$352$187$95$47$19
50 years$613$337$175$88$43$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $628,000, adding $6,099 every year, while hoping to spend $40,272 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: 69/8/23 Blend
51$628,000$628,000$628,000$628,000
52$698,347$665,063$655,329$742,080
53$726,729$654,802$634,434$761,863
54$756,657$642,689$611,488$778,260
55$788,245$628,589$586,382$795,241
56$821,619$612,363$558,999$812,865
57$856,915$593,860$529,216$831,193
58$894,284$572,923$496,909$850,296
59$933,888$549,383$461,942$870,253
60$975,906$523,064$424,179$891,150
61$1,020,533$493,779$383,473$913,088
62$1,067,982$461,329$339,674$936,174
63$1,118,486$425,504$292,623$960,533
64$1,172,302$386,083$242,156$986,299
65$1,229,708$342,833$188,099$1,013,626
66$1,291,011$295,504$130,274$1,042,683
67$1,356,547$243,837$68,491$1,073,659
68$1,426,684$187,554$2,554$1,106,764
69$1,501,825$126,364$0$1,142,232
70$1,582,415$59,959$0$1,196,965
71$1,668,937$0$0$1,256,361
72$1,761,926$0$0$1,321,224
73$1,861,967$0$0$1,396,710
74$1,969,702$0$0$1,478,029
75$2,085,837$0$0$1,565,715
76$2,211,148$0$0$1,660,359
77$2,346,485$0$0$1,762,607
78$2,492,786$0$0$1,873,170
79$2,651,079$0$0$1,992,831
80$2,822,495$0$0$2,122,447
81$3,008,276$0$0$2,262,965
82$3,209,791$0$0$2,415,422
83$3,428,543$0$0$2,580,961
84$3,666,184$0$0$2,760,839
85$3,924,535$0$0$2,956,438
86$4,205,597$0$0$3,169,279
87$4,511,570$0$0$3,401,035
88$4,844,879$0$0$3,653,548
89$5,208,188$0$0$3,928,844
90$5,604,433$0$0$4,229,152
91$6,036,842$0$0$4,556,929
92$6,508,972$0$0$4,914,875
93$7,024,733$0$0$5,305,966
94$7,588,436$0$0$5,733,476
95$8,204,823$0$0$6,201,011
96$8,879,116$0$0$6,712,540
97$9,617,064$0$0$7,272,434
98$10,425,000$0$0$7,885,506
99$11,309,896$0$0$8,557,058
100$12,279,430$0$0$9,292,925