Can I retire at age 52 with 631,000?

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 $631,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$52,107$51,643$51,190$50,748$50,317$48,902
2 years$25,796$25,315$24,850$24,398$23,960$22,546
3 years$17,026$16,544$16,079$15,632$15,201$13,832
4 years$12,642$12,161$11,702$11,262$10,842$9,527
5 years$10,013$9,535$9,081$8,650$8,242$6,985
6 years$8,260$7,786$7,339$6,918$6,521$5,325
7 years$7,009$6,539$6,099$5,687$5,304$4,167
8 years$6,071$5,605$5,172$4,771$4,400$3,322
9 years$5,342$4,880$4,455$4,064$3,705$2,686
10 years$4,759$4,301$3,884$3,503$3,157$2,195
11 years$4,282$3,829$3,419$3,049$2,715$1,808
12 years$3,885$3,437$3,034$2,674$2,353$1,499
13 years$3,549$3,106$2,711$2,361$2,052$1,250
14 years$3,262$2,823$2,436$2,096$1,799$1,046
15 years$3,013$2,579$2,199$1,869$1,584$879
16 years$2,796$2,366$1,994$1,674$1,400$740
17 years$2,604$2,179$1,814$1,504$1,241$625
18 years$2,434$2,014$1,656$1,355$1,103$529
19 years$2,281$1,866$1,516$1,224$984$448
20 years$2,145$1,734$1,392$1,109$879$381
21 years$2,021$1,615$1,280$1,006$786$323
22 years$1,909$1,508$1,180$915$705$275
23 years$1,806$1,410$1,089$833$633$234
24 years$1,713$1,321$1,007$760$569$200
25 years$1,627$1,240$933$694$512$170
26 years$1,548$1,165$865$635$461$145
27 years$1,474$1,097$804$581$415$124
28 years$1,406$1,034$747$532$375$106
29 years$1,343$975$695$488$339$90
30 years$1,284$921$648$448$306$77
31 years$1,230$870$604$411$277$66
32 years$1,178$824$563$378$250$56
33 years$1,130$780$526$348$226$48
34 years$1,085$739$491$320$205$41
35 years$1,042$701$459$295$186$35
36 years$1,002$666$430$271$168$30
37 years$964$632$402$250$152$26
38 years$929$601$377$230$138$22
39 years$895$571$353$212$125$19
40 years$863$543$331$196$114$16
41 years$832$517$310$181$103$14
42 years$803$493$291$167$94$12
43 years$776$469$273$154$85$10
44 years$750$447$256$142$77$9
45 years$725$427$241$131$70$7
46 years$701$407$226$121$64$6
47 years$678$388$212$112$58$5
48 years$657$371$200$104$52$5
49 years$636$354$188$96$48$4
50 years$616$338$176$88$43$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $631,000, adding $3,632 every year, while hoping to spend $37,623 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: 65/12/23 Blend
51$631,000$631,000$631,000$631,000
52$699,108$665,665$655,885$740,173
53$730,387$658,252$637,826$760,849
54$763,595$649,215$617,902$778,863
55$798,889$638,435$596,010$797,687
56$836,442$625,784$572,042$817,404
57$876,441$611,130$545,888$838,104
58$919,093$594,330$517,430$859,890
59$964,623$575,234$486,546$882,876
60$1,013,278$553,684$453,108$907,188
61$1,065,329$529,511$416,984$932,967
62$1,121,073$502,538$378,034$960,372
63$1,180,836$472,576$336,111$989,576
64$1,244,975$439,426$291,065$1,020,776
65$1,313,883$402,878$242,737$1,054,188
66$1,387,990$362,710$190,959$1,090,053
67$1,467,769$318,687$135,560$1,128,639
68$1,553,739$270,560$76,359$1,170,244
69$1,646,470$218,067$13,166$1,215,199
70$1,746,588$160,931$0$1,263,870
71$1,854,782$98,858$0$1,329,984
72$1,971,808$31,540$0$1,404,988
73$2,098,497$0$0$1,486,201
74$2,235,764$0$0$1,579,696
75$2,384,614$0$0$1,685,631
76$2,546,152$0$0$1,800,632
77$2,721,593$0$0$1,925,571
78$2,912,275$0$0$2,061,403
79$3,119,669$0$0$2,209,182
80$3,345,392$0$0$2,370,067
81$3,591,226$0$0$2,545,331
82$3,859,130$0$0$2,736,378
83$4,151,261$0$0$2,944,752
84$4,469,991$0$0$3,172,152
85$4,817,934$0$0$3,420,448
86$5,197,966$0$0$3,691,699
87$5,613,252$0$0$3,988,173
88$6,067,277$0$0$4,312,365
89$6,563,879$0$0$4,667,022
90$7,107,284$0$0$5,055,170
91$7,702,143$0$0$5,480,140
92$8,353,580$0$0$5,945,602
93$9,067,237$0$0$6,455,596
94$9,849,328$0$0$7,014,570
95$10,706,694$0$0$7,627,426
96$11,646,873$0$0$8,299,560
97$12,678,165$0$0$9,036,917
98$13,809,714$0$0$9,846,045
99$15,051,589$0$0$10,734,156
100$16,414,884$0$0$11,709,194