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%17.5%
1 years$52,107$51,643$51,190$50,748$50,317$48,784
2 years$25,796$25,315$24,850$24,398$23,960$22,430
3 years$17,026$16,544$16,079$15,632$15,201$13,720
4 years$12,642$12,161$11,702$11,262$10,842$9,422
5 years$10,013$9,535$9,081$8,650$8,242$6,887
6 years$8,260$7,786$7,339$6,918$6,521$5,232
7 years$7,009$6,539$6,099$5,687$5,304$4,081
8 years$6,071$5,605$5,172$4,771$4,400$3,242
9 years$5,342$4,880$4,455$4,064$3,705$2,611
10 years$4,759$4,301$3,884$3,503$3,157$2,126
11 years$4,282$3,829$3,419$3,049$2,715$1,744
12 years$3,885$3,437$3,034$2,674$2,353$1,441
13 years$3,549$3,106$2,711$2,361$2,052$1,196
14 years$3,262$2,823$2,436$2,096$1,799$997
15 years$3,013$2,579$2,199$1,869$1,584$834
16 years$2,796$2,366$1,994$1,674$1,400$700
17 years$2,604$2,179$1,814$1,504$1,241$588
18 years$2,434$2,014$1,656$1,355$1,103$496
19 years$2,281$1,866$1,516$1,224$984$418
20 years$2,145$1,734$1,392$1,109$879$353
21 years$2,021$1,615$1,280$1,006$786$299
22 years$1,909$1,508$1,180$915$705$253
23 years$1,806$1,410$1,089$833$633$214
24 years$1,713$1,321$1,007$760$569$182
25 years$1,627$1,240$933$694$512$154
26 years$1,548$1,165$865$635$461$131
27 years$1,474$1,097$804$581$415$111
28 years$1,406$1,034$747$532$375$94
29 years$1,343$975$695$488$339$80
30 years$1,284$921$648$448$306$68
31 years$1,230$870$604$411$277$58
32 years$1,178$824$563$378$250$49
33 years$1,130$780$526$348$226$42
34 years$1,085$739$491$320$205$36
35 years$1,042$701$459$295$186$30
36 years$1,002$666$430$271$168$26
37 years$964$632$402$250$152$22
38 years$929$601$377$230$138$19
39 years$895$571$353$212$125$16
40 years$863$543$331$196$114$14
41 years$832$517$310$181$103$11
42 years$803$493$291$167$94$10
43 years$776$469$273$154$85$8
44 years$750$447$256$142$77$7
45 years$725$427$241$131$70$6
46 years$701$407$226$121$64$5
47 years$678$388$212$112$58$4
48 years$657$371$200$104$52$4
49 years$636$354$188$96$48$3
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 $4,181 every year, while hoping to spend $34,447 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: 39/31/30 Blend
51$631,000$631,000$631,000$631,000
52$699,675$666,232$656,451$720,610
53$734,390$662,226$641,791$732,346
54$771,492$656,869$625,485$741,569
55$811,188$650,059$607,442$750,898
56$853,704$641,686$587,566$760,365
57$899,289$631,637$565,758$770,009
58$948,217$619,788$541,911$779,876
59$1,000,788$606,010$515,918$790,018
60$1,057,330$590,166$487,663$800,497
61$1,118,206$572,112$457,027$811,383
62$1,183,810$551,693$423,885$822,759
63$1,254,581$528,748$388,107$834,720
64$1,330,995$503,104$349,556$847,371
65$1,413,580$474,580$308,090$860,838
66$1,502,914$442,982$263,559$875,259
67$1,599,631$408,109$215,809$890,793
68$1,704,432$369,744$164,677$907,621
69$1,818,084$327,662$109,993$925,946
70$1,941,432$281,621$51,581$945,999
71$2,075,406$231,368$0$968,040
72$2,221,027$176,635$0$995,804
73$2,379,420$117,138$0$1,044,020
74$2,551,823$52,580$0$1,096,596
75$2,739,596$0$0$1,154,012
76$2,944,239$0$0$1,222,724
77$3,167,398$0$0$1,317,290
78$3,410,890$0$0$1,420,552
79$3,676,711$0$0$1,533,367
80$3,967,059$0$0$1,656,679
81$4,284,356$0$0$1,791,526
82$4,631,266$0$0$1,939,052
83$5,010,723$0$0$2,100,517
84$5,425,957$0$0$2,277,307
85$5,880,525$0$0$2,470,949
86$6,378,345$0$0$2,683,126
87$6,923,729$0$0$2,915,689
88$7,521,429$0$0$3,170,679
89$8,176,676$0$0$3,450,342
90$8,895,231$0$0$3,757,152
91$9,683,442$0$0$4,093,835
92$10,548,299$0$0$4,463,394
93$11,497,502$0$0$4,869,136
94$12,539,531$0$0$5,314,703
95$13,683,730$0$0$5,804,109
96$14,940,389$0$0$6,341,774
97$16,320,847$0$0$6,932,569
98$17,837,593$0$0$7,581,859
99$19,504,385$0$0$8,295,555
100$21,336,382$0$0$9,080,169