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%
1 years$51,942$51,480$51,028$50,588$50,157$49,125
2 years$25,714$25,235$24,771$24,321$23,884$22,849
3 years$16,972$16,491$16,028$15,583$15,153$14,147
4 years$12,602$12,123$11,665$11,226$10,807$9,838
5 years$9,981$9,505$9,052$8,623$8,216$7,286
6 years$8,234$7,761$7,316$6,896$6,501$5,612
7 years$6,987$6,518$6,079$5,669$5,287$4,439
8 years$6,052$5,587$5,156$4,756$4,386$3,579
9 years$5,325$4,864$4,441$4,051$3,694$2,927
10 years$4,744$4,288$3,871$3,492$3,147$2,419
11 years$4,269$3,817$3,408$3,039$2,707$2,017
12 years$3,873$3,426$3,025$2,666$2,346$1,694
13 years$3,538$3,096$2,702$2,353$2,045$1,430
14 years$3,252$2,814$2,428$2,089$1,793$1,213
15 years$3,004$2,571$2,192$1,863$1,579$1,032
16 years$2,787$2,359$1,988$1,668$1,395$882
17 years$2,596$2,172$1,809$1,499$1,237$755
18 years$2,426$2,007$1,651$1,351$1,100$648
19 years$2,274$1,860$1,511$1,221$980$557
20 years$2,138$1,729$1,387$1,105$876$480
21 years$2,015$1,610$1,276$1,003$784$413
22 years$1,903$1,503$1,176$912$702$357
23 years$1,801$1,406$1,086$831$631$308
24 years$1,707$1,317$1,004$758$567$267
25 years$1,622$1,236$930$692$510$231
26 years$1,543$1,162$863$633$459$200
27 years$1,470$1,093$801$579$414$173
28 years$1,402$1,030$745$531$374$150
29 years$1,339$972$693$487$337$130
30 years$1,280$918$645$447$305$113
31 years$1,226$868$602$410$276$98
32 years$1,174$821$561$377$249$85
33 years$1,126$778$524$347$226$74
34 years$1,081$737$490$319$204$64
35 years$1,039$699$458$294$185$56
36 years$999$663$428$270$168$48
37 years$961$630$401$249$152$42
38 years$926$599$375$230$138$37
39 years$892$569$352$212$125$32
40 years$860$542$330$195$113$28
41 years$830$516$309$180$103$24
42 years$801$491$290$166$93$21
43 years$773$468$272$153$85$18
44 years$747$446$255$142$77$16
45 years$722$425$240$131$70$14
46 years$699$406$225$121$63$12
47 years$676$387$212$112$58$10
48 years$655$370$199$103$52$9
49 years$634$353$187$95$47$8
50 years$614$337$176$88$43$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $629,000, adding $6,010 every year, while hoping to spend $25,818 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: 63/25/12 Blend
51$629,000$629,000$629,000$629,000
52$699,357$666,020$656,271$741,091
53$743,222$671,185$650,786$774,930
54$790,695$675,738$644,252$808,342
55$842,118$679,621$636,606$844,185
56$897,865$682,774$627,784$882,695
57$958,349$685,131$617,716$924,132
58$1,024,022$686,625$606,331$968,785
59$1,095,384$687,181$593,555$1,016,972
60$1,172,983$686,722$579,308$1,069,042
61$1,257,421$685,165$563,509$1,125,383
62$1,349,363$682,424$546,072$1,186,423
63$1,449,539$678,404$526,907$1,252,632
64$1,558,754$673,007$505,919$1,324,532
65$1,677,891$666,128$483,012$1,402,697
66$1,807,924$657,657$458,082$1,487,762
67$1,949,926$647,476$431,021$1,580,426
68$2,105,076$635,460$401,718$1,681,463
69$2,274,674$621,478$370,056$1,791,726
70$2,460,150$605,389$335,911$1,912,155
71$2,663,078$587,046$299,157$2,043,789
72$2,885,192$566,292$259,659$2,187,774
73$3,128,402$542,960$217,278$2,345,376
74$3,394,811$516,877$171,869$2,517,991
75$3,686,734$487,856$123,278$2,707,158
76$4,006,720$455,701$71,348$2,914,576
77$4,357,580$420,204$15,912$3,142,122
78$4,742,406$381,147$0$3,391,864
79$5,164,605$338,297$0$3,671,621
80$5,627,930$291,409$0$3,980,909
81$6,136,515$240,224$0$4,320,489
82$6,694,914$184,470$0$4,693,452
83$7,308,143$123,856$0$5,103,203
84$7,981,727$58,078$0$5,553,500
85$8,721,753$0$0$6,048,483
86$9,534,927$0$0$6,596,346
87$10,428,637$0$0$7,216,077
88$11,411,022$0$0$7,897,348
89$12,491,048$0$0$8,646,384
90$13,678,594$0$0$9,470,041
91$14,984,543$0$0$10,375,876
92$16,420,887$0$0$11,372,213
93$18,000,838$0$0$12,468,223
94$19,738,952$0$0$13,674,011
95$21,651,268$0$0$15,000,712
96$23,755,456$0$0$16,460,593
97$26,070,989$0$0$18,067,170
98$28,619,318$0$0$19,835,338
99$31,424,083$0$0$21,781,506
100$34,511,331$0$0$23,923,756