Can I retire at age 52 with 630,000?

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 $630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$52,025$51,561$51,109$50,668$50,237$49,243
2 years$25,755$25,275$24,810$24,360$23,922$22,925
3 years$16,999$16,518$16,054$15,607$15,177$14,208
4 years$12,622$12,142$11,683$11,244$10,825$9,890
5 years$9,997$9,520$9,067$8,637$8,229$7,332
6 years$8,247$7,773$7,327$6,907$6,511$5,654
7 years$6,998$6,528$6,089$5,678$5,295$4,477
8 years$6,061$5,596$5,164$4,764$4,393$3,614
9 years$5,333$4,872$4,448$4,057$3,699$2,959
10 years$4,751$4,295$3,878$3,498$3,152$2,449
11 years$4,275$3,823$3,414$3,044$2,711$2,045
12 years$3,879$3,432$3,030$2,670$2,349$1,719
13 years$3,544$3,101$2,707$2,357$2,049$1,453
14 years$3,257$2,819$2,432$2,092$1,796$1,234
15 years$3,008$2,575$2,196$1,866$1,581$1,052
16 years$2,791$2,363$1,991$1,671$1,397$900
17 years$2,600$2,176$1,812$1,501$1,239$771
18 years$2,430$2,011$1,654$1,353$1,102$663
19 years$2,278$1,863$1,514$1,222$982$571
20 years$2,141$1,732$1,389$1,107$877$492
21 years$2,018$1,613$1,278$1,005$785$425
22 years$1,906$1,506$1,178$914$704$367
23 years$1,804$1,408$1,088$832$632$318
24 years$1,710$1,319$1,006$759$568$275
25 years$1,624$1,238$932$693$511$239
26 years$1,545$1,164$864$634$460$207
27 years$1,472$1,095$802$580$415$180
28 years$1,404$1,032$746$531$374$156
29 years$1,341$973$694$487$338$136
30 years$1,282$919$646$447$305$118
31 years$1,228$869$603$411$276$102
32 years$1,176$822$562$378$250$89
33 years$1,128$779$525$347$226$77
34 years$1,083$738$491$319$205$67
35 years$1,041$700$459$294$185$59
36 years$1,001$664$429$271$168$51
37 years$963$631$402$250$152$44
38 years$927$600$376$230$138$39
39 years$893$570$352$212$125$34
40 years$861$543$330$196$114$29
41 years$831$517$310$180$103$25
42 years$802$492$290$167$93$22
43 years$775$469$273$154$85$19
44 years$749$447$256$142$77$17
45 years$724$426$240$131$70$15
46 years$700$406$226$121$63$13
47 years$677$388$212$112$58$11
48 years$656$370$199$103$52$10
49 years$635$354$187$96$48$8
50 years$615$338$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 $630,000, adding $4,856 every year, while hoping to spend $40,751 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: 48/30/22 Blend
51$630,000$630,000$630,000$630,000
52$699,269$665,879$656,114$728,262
53$727,236$655,148$634,735$738,253
54$756,689$642,526$611,274$744,623
55$787,738$627,876$585,618$750,704
56$820,501$611,056$557,650$756,484
57$855,106$591,912$527,246$761,958
58$891,695$570,284$494,277$767,120
59$930,422$546,001$458,608$771,966
60$971,453$518,883$420,100$776,497
61$1,014,972$488,740$378,605$780,717
62$1,061,180$455,369$333,969$784,632
63$1,110,296$418,557$286,032$788,257
64$1,162,559$378,080$234,627$791,608
65$1,218,232$333,697$179,579$794,710
66$1,277,602$285,159$120,705$797,593
67$1,340,983$232,197$57,814$800,299
68$1,408,721$174,533$0$802,874
69$1,481,194$111,868$0$807,563
70$1,558,815$43,889$0$826,878
71$1,642,040$0$0$847,369
72$1,731,366$0$0$879,006
73$1,827,342$0$0$928,614
74$1,930,568$0$0$982,020
75$2,041,703$0$0$1,039,572
76$2,161,472$0$0$1,101,652
77$2,290,670$0$0$1,168,680
78$2,430,171$0$0$1,241,116
79$2,580,936$0$0$1,319,468
80$2,744,019$0$0$1,404,291
81$2,920,582$0$0$1,496,200
82$3,111,899$0$0$1,595,866
83$3,319,373$0$0$1,704,030
84$3,544,547$0$0$1,821,506
85$3,789,116$0$0$1,949,191
86$4,054,946$0$0$2,088,069
87$4,344,090$0$0$2,239,224
88$4,658,807$0$0$2,403,850
89$5,001,580$0$0$2,583,259
90$5,375,145$0$0$2,778,895
91$5,782,511$0$0$2,992,348
92$6,226,990$0$0$3,225,369
93$6,712,228$0$0$3,479,884
94$7,242,238$0$0$3,758,013
95$7,821,437$0$0$4,062,092
96$8,454,690$0$0$4,394,691
97$9,147,353$0$0$4,758,641
98$9,905,321$0$0$5,157,057
99$10,735,087$0$0$5,593,373
100$11,643,801$0$0$6,071,367