Can I retire at age 52 with 631,000?

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 $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%17.8%
1 years$52,107$51,643$51,190$50,748$50,317$48,726
2 years$25,796$25,315$24,850$24,398$23,960$22,372
3 years$17,026$16,544$16,079$15,632$15,201$13,665
4 years$12,642$12,161$11,702$11,262$10,842$9,370
5 years$10,013$9,535$9,081$8,650$8,242$6,838
6 years$8,260$7,786$7,339$6,918$6,521$5,187
7 years$7,009$6,539$6,099$5,687$5,304$4,038
8 years$6,071$5,605$5,172$4,771$4,400$3,203
9 years$5,342$4,880$4,455$4,064$3,705$2,575
10 years$4,759$4,301$3,884$3,503$3,157$2,092
11 years$4,282$3,829$3,419$3,049$2,715$1,713
12 years$3,885$3,437$3,034$2,674$2,353$1,412
13 years$3,549$3,106$2,711$2,361$2,052$1,170
14 years$3,262$2,823$2,436$2,096$1,799$974
15 years$3,013$2,579$2,199$1,869$1,584$813
16 years$2,796$2,366$1,994$1,674$1,400$680
17 years$2,604$2,179$1,814$1,504$1,241$571
18 years$2,434$2,014$1,656$1,355$1,103$480
19 years$2,281$1,866$1,516$1,224$984$404
20 years$2,145$1,734$1,392$1,109$879$340
21 years$2,021$1,615$1,280$1,006$786$287
22 years$1,909$1,508$1,180$915$705$243
23 years$1,806$1,410$1,089$833$633$205
24 years$1,713$1,321$1,007$760$569$173
25 years$1,627$1,240$933$694$512$147
26 years$1,548$1,165$865$635$461$124
27 years$1,474$1,097$804$581$415$105
28 years$1,406$1,034$747$532$375$89
29 years$1,343$975$695$488$339$76
30 years$1,284$921$648$448$306$64
31 years$1,230$870$604$411$277$54
32 years$1,178$824$563$378$250$46
33 years$1,130$780$526$348$226$39
34 years$1,085$739$491$320$205$33
35 years$1,042$701$459$295$186$28
36 years$1,002$666$430$271$168$24
37 years$964$632$402$250$152$20
38 years$929$601$377$230$138$17
39 years$895$571$353$212$125$15
40 years$863$543$331$196$114$12
41 years$832$517$310$181$103$11
42 years$803$493$291$167$94$9
43 years$776$469$273$154$85$8
44 years$750$447$256$142$77$6
45 years$725$427$241$131$70$5
46 years$701$407$226$121$64$5
47 years$678$388$212$112$58$4
48 years$657$371$200$104$52$3
49 years$636$354$188$96$48$3
50 years$616$338$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 $631,000, adding $5,567 every year, while hoping to spend $45,296 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: 82/6/12 Blend
51$631,000$631,000$631,000$631,000
52$701,104$667,661$657,881$756,639
53$724,422$652,182$631,725$778,378
54$748,601$634,426$603,175$795,706
55$773,679$614,235$572,103$813,386
56$799,701$591,438$538,375$831,428
57$826,710$565,858$501,850$849,846
58$854,756$537,307$462,383$868,653
59$883,889$505,583$419,822$887,865
60$914,166$470,477$374,005$907,498
61$945,644$431,764$324,768$927,571
62$978,388$389,208$271,936$948,105
63$1,012,465$342,560$215,327$969,123
64$1,047,947$291,557$154,751$990,651
65$1,084,913$235,919$90,011$1,012,718
66$1,123,447$175,351$20,899$1,035,355
67$1,163,640$109,545$0$1,058,599
68$1,205,588$38,170$0$1,089,256
69$1,249,398$0$0$1,123,899
70$1,295,183$0$0$1,162,511
71$1,343,066$0$0$1,205,533
72$1,393,180$0$0$1,250,562
73$1,445,669$0$0$1,297,729
74$1,500,689$0$0$1,347,176
75$1,558,409$0$0$1,399,053
76$1,619,014$0$0$1,453,528
77$1,682,701$0$0$1,510,780
78$1,749,689$0$0$1,571,005
79$1,820,213$0$0$1,634,416
80$1,894,531$0$0$1,701,245
81$1,972,922$0$0$1,771,744
82$2,055,690$0$0$1,846,188
83$2,143,169$0$0$1,924,878
84$2,235,722$0$0$2,008,142
85$2,333,745$0$0$2,096,336
86$2,437,670$0$0$2,189,853
87$2,547,971$0$0$2,289,118
88$2,665,165$0$0$2,394,599
89$2,789,817$0$0$2,506,807
90$2,922,548$0$0$2,626,301
91$3,064,034$0$0$2,753,693
92$3,215,019$0$0$2,889,653
93$3,376,316$0$0$3,034,917
94$3,548,815$0$0$3,190,289
95$3,733,495$0$0$3,356,651
96$3,931,428$0$0$3,534,973
97$4,143,789$0$0$3,726,316
98$4,371,869$0$0$3,931,845
99$4,617,083$0$0$4,152,840
100$4,880,986$0$0$4,390,704