Can I retire at age 52 with 628,000?

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 $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%13.4%
1 years$51,860$51,398$50,947$50,507$50,078$49,370
2 years$25,673$25,195$24,732$24,282$23,846$23,135
3 years$16,945$16,465$16,003$15,558$15,129$14,436
4 years$12,582$12,104$11,646$11,209$10,790$10,120
5 years$9,965$9,489$9,038$8,609$8,203$7,558
6 years$8,221$7,749$7,304$6,885$6,490$5,872
7 years$6,976$6,507$6,070$5,660$5,278$4,687
8 years$6,042$5,578$5,147$4,748$4,379$3,814
9 years$5,316$4,857$4,434$4,045$3,688$3,149
10 years$4,736$4,281$3,865$3,486$3,142$2,629
11 years$4,262$3,811$3,403$3,034$2,702$2,214
12 years$3,867$3,421$3,020$2,661$2,342$1,878
13 years$3,533$3,091$2,698$2,350$2,042$1,603
14 years$3,247$2,810$2,424$2,086$1,790$1,374
15 years$2,999$2,567$2,189$1,860$1,576$1,182
16 years$2,782$2,355$1,984$1,666$1,393$1,021
17 years$2,591$2,169$1,806$1,496$1,235$884
18 years$2,422$2,004$1,648$1,349$1,098$768
19 years$2,271$1,857$1,509$1,219$979$668
20 years$2,134$1,726$1,385$1,104$874$582
21 years$2,011$1,608$1,274$1,002$782$508
22 years$1,900$1,501$1,174$911$701$444
23 years$1,798$1,404$1,084$829$630$388
24 years$1,705$1,315$1,003$756$566$340
25 years$1,619$1,234$929$691$509$298
26 years$1,540$1,160$861$632$459$261
27 years$1,467$1,092$800$578$414$230
28 years$1,400$1,029$743$530$373$202
29 years$1,337$970$692$486$337$177
30 years$1,278$916$644$446$304$156
31 years$1,224$866$601$409$275$137
32 years$1,173$820$561$376$249$120
33 years$1,125$776$523$346$225$106
34 years$1,080$736$489$318$204$93
35 years$1,037$698$457$293$185$82
36 years$997$662$428$270$167$72
37 years$960$629$400$249$152$64
38 years$924$598$375$229$138$56
39 years$890$569$351$211$125$49
40 years$859$541$329$195$113$44
41 years$828$515$309$180$103$38
42 years$800$490$290$166$93$34
43 years$772$467$272$153$85$30
44 years$746$445$255$141$77$26
45 years$721$425$239$131$70$23
46 years$698$405$225$121$63$20
47 years$675$387$211$112$57$18
48 years$654$369$199$103$52$16
49 years$633$352$187$95$47$14
50 years$613$337$175$88$43$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $628,000, adding $2,641 every year, while hoping to spend $32,110 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: 44/34/22 Blend
51$628,000$628,000$628,000$628,000
52$694,780$661,496$651,762$720,818
53$731,483$659,745$639,431$737,728
54$770,853$656,831$625,611$752,710
55$813,129$652,665$610,218$768,300
56$858,572$647,149$593,164$784,568
57$907,469$640,182$574,358$801,598
58$960,136$631,656$553,704$819,482
59$1,016,917$621,455$531,100$838,323
60$1,078,194$609,457$506,444$858,239
61$1,144,384$595,535$479,624$879,362
62$1,215,946$579,551$450,526$901,839
63$1,293,385$561,361$419,031$925,837
64$1,377,255$540,813$385,014$951,542
65$1,468,167$517,744$348,343$979,162
66$1,566,789$491,983$308,882$1,008,929
67$1,673,861$463,349$266,488$1,041,105
68$1,790,192$431,651$221,013$1,075,982
69$1,916,676$396,686$172,301$1,113,883
70$2,054,293$358,240$120,190$1,155,172
71$2,204,124$316,087$64,509$1,200,253
72$2,367,357$269,987$5,082$1,249,577
73$2,545,300$219,689$0$1,303,647
74$2,739,391$164,925$0$1,376,714
75$2,951,216$105,413$0$1,457,872
76$3,182,518$40,856$0$1,546,663
77$3,435,216$0$0$1,643,907
78$3,711,425$0$0$1,761,382
79$4,013,469$0$0$1,906,634
80$4,343,912$0$0$2,065,617
81$4,705,574$0$0$2,239,699
82$5,101,560$0$0$2,430,384
83$5,535,292$0$0$2,639,329
84$6,010,535$0$0$2,868,359
85$6,531,439$0$0$3,119,485
86$7,102,571$0$0$3,394,920
87$7,728,964$0$0$3,697,103
88$8,416,160$0$0$4,028,719
89$9,170,264$0$0$4,392,727
90$9,997,999$0$0$4,792,386
91$10,906,773$0$0$5,231,286
92$11,904,744$0$0$5,713,381
93$13,000,901$0$0$6,243,028
94$14,205,146$0$0$6,825,025
95$15,528,385$0$0$7,464,660
96$16,982,635$0$0$8,167,757
97$18,581,135$0$0$8,940,734
98$20,338,469$0$0$9,790,661
99$22,270,707$0$0$10,725,326
100$24,395,550$0$0$11,753,311