Can I retire at age 52 with 629,000?

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 $629,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$51,942$51,480$51,028$50,588$50,157$49,064
2 years$25,714$25,235$24,771$24,321$23,884$22,789
3 years$16,972$16,491$16,028$15,583$15,153$14,089
4 years$12,602$12,123$11,665$11,226$10,807$9,783
5 years$9,981$9,505$9,052$8,623$8,216$7,234
6 years$8,234$7,761$7,316$6,896$6,501$5,563
7 years$6,987$6,518$6,079$5,669$5,287$4,393
8 years$6,052$5,587$5,156$4,756$4,386$3,535
9 years$5,325$4,864$4,441$4,051$3,694$2,886
10 years$4,744$4,288$3,871$3,492$3,147$2,381
11 years$4,269$3,817$3,408$3,039$2,707$1,982
12 years$3,873$3,426$3,025$2,666$2,346$1,661
13 years$3,538$3,096$2,702$2,353$2,045$1,399
14 years$3,252$2,814$2,428$2,089$1,793$1,184
15 years$3,004$2,571$2,192$1,863$1,579$1,006
16 years$2,787$2,359$1,988$1,668$1,395$857
17 years$2,596$2,172$1,809$1,499$1,237$732
18 years$2,426$2,007$1,651$1,351$1,100$627
19 years$2,274$1,860$1,511$1,221$980$538
20 years$2,138$1,729$1,387$1,105$876$462
21 years$2,015$1,610$1,276$1,003$784$398
22 years$1,903$1,503$1,176$912$702$342
23 years$1,801$1,406$1,086$831$631$295
24 years$1,707$1,317$1,004$758$567$255
25 years$1,622$1,236$930$692$510$220
26 years$1,543$1,162$863$633$459$190
27 years$1,470$1,093$801$579$414$164
28 years$1,402$1,030$745$531$374$142
29 years$1,339$972$693$487$337$123
30 years$1,280$918$645$447$305$106
31 years$1,226$868$602$410$276$92
32 years$1,174$821$561$377$249$80
33 years$1,126$778$524$347$226$69
34 years$1,081$737$490$319$204$60
35 years$1,039$699$458$294$185$52
36 years$999$663$428$270$168$45
37 years$961$630$401$249$152$39
38 years$926$599$375$230$138$34
39 years$892$569$352$212$125$29
40 years$860$542$330$195$113$25
41 years$830$516$309$180$103$22
42 years$801$491$290$166$93$19
43 years$773$468$272$153$85$17
44 years$747$446$255$142$77$14
45 years$722$425$240$131$70$12
46 years$699$406$225$121$63$11
47 years$676$387$212$112$58$9
48 years$655$370$199$103$52$8
49 years$634$353$187$95$47$7
50 years$614$337$176$88$43$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $629,000, adding $5,095 every year, while hoping to spend $47,168 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: 65/14/21 Blend
51$629,000$629,000$629,000$629,000
52$698,413$665,076$655,327$739,754
53$719,465$647,479$627,094$750,568
54$741,083$627,438$596,334$756,561
55$763,276$604,785$562,914$762,008
56$786,050$579,339$526,691$766,857
57$809,412$550,912$487,521$771,054
58$833,368$519,302$445,248$774,540
59$857,921$484,297$399,713$777,252
60$883,074$445,672$350,748$779,122
61$908,828$403,191$298,179$780,080
62$935,183$356,603$241,823$780,047
63$962,137$305,641$181,489$778,943
64$989,684$250,027$116,979$776,679
65$1,017,818$189,464$48,083$773,163
66$1,046,527$123,640$0$768,293
67$1,075,799$52,224$0$767,663
68$1,105,617$0$0$777,327
69$1,135,958$0$0$790,301
70$1,166,797$0$0$811,655
71$1,198,104$0$0$833,320
72$1,229,842$0$0$855,269
73$1,261,966$0$0$877,472
74$1,294,428$0$0$899,890
75$1,327,169$0$0$922,482
76$1,360,122$0$0$945,199
77$1,393,210$0$0$967,985
78$1,426,345$0$0$990,775
79$1,459,427$0$0$1,013,498
80$1,492,342$0$0$1,036,071
81$1,524,963$0$0$1,058,401
82$1,557,144$0$0$1,080,383
83$1,588,721$0$0$1,101,900
84$1,619,511$0$0$1,122,817
85$1,649,306$0$0$1,142,986
86$1,677,876$0$0$1,162,241
87$1,704,960$0$0$1,180,394
88$1,730,270$0$0$1,197,235
89$1,753,480$0$0$1,212,533
90$1,774,229$0$0$1,226,026
91$1,792,114$0$0$1,237,424
92$1,806,687$0$0$1,246,405
93$1,817,446$0$0$1,252,609
94$1,823,838$0$0$1,255,636
95$1,825,243$0$0$1,255,043
96$1,820,975$0$0$1,250,336
97$1,810,274$0$0$1,240,969
98$1,792,293$0$0$1,226,334
99$1,766,095$0$0$1,205,757
100$1,730,641$0$0$1,178,494