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%18.1%
1 years$51,942$51,480$51,028$50,588$50,157$48,513
2 years$25,714$25,235$24,771$24,321$23,884$22,243
3 years$16,972$16,491$16,028$15,583$15,153$13,567
4 years$12,602$12,123$11,665$11,226$10,807$9,288
5 years$9,981$9,505$9,052$8,623$8,216$6,768
6 years$8,234$7,761$7,316$6,896$6,501$5,125
7 years$6,987$6,518$6,079$5,669$5,287$3,983
8 years$6,052$5,587$5,156$4,756$4,386$3,154
9 years$5,325$4,864$4,441$4,051$3,694$2,531
10 years$4,744$4,288$3,871$3,492$3,147$2,052
11 years$4,269$3,817$3,408$3,039$2,707$1,678
12 years$3,873$3,426$3,025$2,666$2,346$1,380
13 years$3,538$3,096$2,702$2,353$2,045$1,141
14 years$3,252$2,814$2,428$2,089$1,793$947
15 years$3,004$2,571$2,192$1,863$1,579$789
16 years$2,787$2,359$1,988$1,668$1,395$659
17 years$2,596$2,172$1,809$1,499$1,237$552
18 years$2,426$2,007$1,651$1,351$1,100$463
19 years$2,274$1,860$1,511$1,221$980$389
20 years$2,138$1,729$1,387$1,105$876$327
21 years$2,015$1,610$1,276$1,003$784$275
22 years$1,903$1,503$1,176$912$702$232
23 years$1,801$1,406$1,086$831$631$196
24 years$1,707$1,317$1,004$758$567$165
25 years$1,622$1,236$930$692$510$139
26 years$1,543$1,162$863$633$459$118
27 years$1,470$1,093$801$579$414$99
28 years$1,402$1,030$745$531$374$84
29 years$1,339$972$693$487$337$71
30 years$1,280$918$645$447$305$60
31 years$1,226$868$602$410$276$51
32 years$1,174$821$561$377$249$43
33 years$1,126$778$524$347$226$36
34 years$1,081$737$490$319$204$31
35 years$1,039$699$458$294$185$26
36 years$999$663$428$270$168$22
37 years$961$630$401$249$152$19
38 years$926$599$375$230$138$16
39 years$892$569$352$212$125$13
40 years$860$542$330$195$113$11
41 years$830$516$309$180$103$10
42 years$801$491$290$166$93$8
43 years$773$468$272$153$85$7
44 years$747$446$255$142$77$6
45 years$722$425$240$131$70$5
46 years$699$406$225$121$63$4
47 years$676$387$212$112$58$4
48 years$655$370$199$103$52$3
49 years$634$353$187$95$47$3
50 years$614$337$176$88$43$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $629,000, adding $3,375 every year, while hoping to spend $36,143 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: 52/39/9 Blend
51$629,000$629,000$629,000$629,000
52$696,639$663,302$653,553$731,094
53$729,241$657,348$636,991$748,952
54$763,956$649,891$618,663$764,181
55$800,963$640,819$598,471$779,891
56$840,455$630,014$576,315$796,138
57$882,647$617,349$552,086$812,980
58$927,770$602,693$525,674$830,488
59$976,082$585,904$496,963$848,740
60$1,027,862$566,833$465,832$867,824
61$1,083,419$545,322$432,152$887,840
62$1,143,090$521,206$395,791$908,902
63$1,207,246$494,306$356,611$931,137
64$1,276,294$464,436$314,467$954,689
65$1,350,681$431,398$269,207$979,718
66$1,430,898$394,984$220,673$1,006,406
67$1,517,485$354,973$168,700$1,034,956
68$1,611,033$311,132$113,116$1,065,598
69$1,712,194$263,213$53,742$1,098,585
70$1,821,684$210,957$0$1,134,206
71$1,940,290$154,088$0$1,173,703
72$2,068,876$92,315$0$1,222,078
73$2,208,395$25,331$0$1,274,586
74$2,359,892$0$0$1,331,691
75$2,524,518$0$0$1,414,166
76$2,703,540$0$0$1,515,729
77$2,898,349$0$0$1,626,307
78$3,110,480$0$0$1,746,777
79$3,341,617$0$0$1,878,105
80$3,593,617$0$0$2,021,353
81$3,868,522$0$0$2,177,690
82$4,168,582$0$0$2,348,403
83$4,496,269$0$0$2,534,910
84$4,854,309$0$0$2,738,770
85$5,245,701$0$0$2,961,700
86$5,673,747$0$0$3,205,593
87$6,142,082$0$0$3,472,528
88$6,654,711$0$0$3,764,800
89$7,216,041$0$0$4,084,933
90$7,830,927$0$0$4,435,708
91$8,504,715$0$0$4,820,186
92$9,243,293$0$0$5,241,740
93$10,053,146$0$0$5,704,085
94$10,941,415$0$0$6,211,310
95$11,915,967$0$0$6,767,923
96$12,985,467$0$0$7,378,887
97$14,159,460$0$0$8,049,669
98$15,448,458$0$0$8,786,292
99$16,864,044$0$0$9,595,391
100$18,418,974$0$0$10,484,274