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%19.2%
1 years$52,107$51,643$51,190$50,748$50,317$48,454
2 years$25,796$25,315$24,850$24,398$23,960$22,105
3 years$17,026$16,544$16,079$15,632$15,201$13,412
4 years$12,642$12,161$11,702$11,262$10,842$9,131
5 years$10,013$9,535$9,081$8,650$8,242$6,615
6 years$8,260$7,786$7,339$6,918$6,521$4,979
7 years$7,009$6,539$6,099$5,687$5,304$3,845
8 years$6,071$5,605$5,172$4,771$4,400$3,025
9 years$5,342$4,880$4,455$4,064$3,705$2,411
10 years$4,759$4,301$3,884$3,503$3,157$1,942
11 years$4,282$3,829$3,419$3,049$2,715$1,576
12 years$3,885$3,437$3,034$2,674$2,353$1,287
13 years$3,549$3,106$2,711$2,361$2,052$1,056
14 years$3,262$2,823$2,436$2,096$1,799$870
15 years$3,013$2,579$2,199$1,869$1,584$719
16 years$2,796$2,366$1,994$1,674$1,400$596
17 years$2,604$2,179$1,814$1,504$1,241$495
18 years$2,434$2,014$1,656$1,355$1,103$412
19 years$2,281$1,866$1,516$1,224$984$343
20 years$2,145$1,734$1,392$1,109$879$286
21 years$2,021$1,615$1,280$1,006$786$239
22 years$1,909$1,508$1,180$915$705$199
23 years$1,806$1,410$1,089$833$633$167
24 years$1,713$1,321$1,007$760$569$139
25 years$1,627$1,240$933$694$512$117
26 years$1,548$1,165$865$635$461$98
27 years$1,474$1,097$804$581$415$82
28 years$1,406$1,034$747$532$375$69
29 years$1,343$975$695$488$339$57
30 years$1,284$921$648$448$306$48
31 years$1,230$870$604$411$277$40
32 years$1,178$824$563$378$250$34
33 years$1,130$780$526$348$226$28
34 years$1,085$739$491$320$205$24
35 years$1,042$701$459$295$186$20
36 years$1,002$666$430$271$168$17
37 years$964$632$402$250$152$14
38 years$929$601$377$230$138$12
39 years$895$571$353$212$125$10
40 years$863$543$331$196$114$8
41 years$832$517$310$181$103$7
42 years$803$493$291$167$94$6
43 years$776$469$273$154$85$5
44 years$750$447$256$142$77$4
45 years$725$427$241$131$70$3
46 years$701$407$226$121$64$3
47 years$678$388$212$112$58$2
48 years$657$371$200$104$52$2
49 years$636$354$188$96$48$2
50 years$616$338$176$88$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $631,000, adding $6,341 every year, while hoping to spend $22,986 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: 41/48/11 Blend
51$631,000$631,000$631,000$631,000
52$701,903$668,460$658,679$728,147
53$749,040$676,757$656,288$755,490
54$800,215$684,691$653,046$782,292
55$855,815$692,219$648,901$810,787
56$916,266$699,296$643,798$841,140
57$982,038$705,874$637,678$873,532
58$1,053,646$711,903$630,481$908,163
59$1,131,659$717,327$622,143$945,257
60$1,216,702$722,089$612,598$985,057
61$1,309,461$726,128$601,776$1,027,837
62$1,410,695$729,376$589,604$1,073,897
63$1,521,236$731,766$576,006$1,123,569
64$1,642,002$733,222$560,902$1,177,222
65$1,774,002$733,666$544,208$1,235,263
66$1,918,348$733,014$525,837$1,298,141
67$2,076,265$731,177$505,698$1,366,357
68$2,249,100$728,061$483,695$1,440,458
69$2,438,337$723,565$459,728$1,521,056
70$2,645,612$717,583$433,693$1,608,822
71$2,872,723$710,004$405,480$1,704,502
72$3,121,653$700,706$374,976$1,808,917
73$3,394,585$689,564$342,061$1,922,977
74$3,693,924$676,444$306,611$2,047,687
75$4,022,317$661,203$268,496$2,184,156
76$4,382,683$643,691$227,580$2,333,613
77$4,778,234$623,749$183,721$2,497,412
78$5,212,509$601,208$136,771$2,677,051
79$5,689,407$575,890$86,575$2,874,184
80$6,213,224$547,606$32,973$3,090,638
81$6,788,690$516,156$0$3,328,432
82$7,421,018$481,329$0$3,592,638
83$8,115,949$442,901$0$3,887,188
84$8,879,810$400,638$0$4,210,948
85$9,719,570$354,288$0$4,566,941
86$10,642,907$303,589$0$4,958,502
87$11,658,281$248,262$0$5,389,314
88$12,775,011$188,012$0$5,863,439
89$14,003,366$122,529$0$6,385,361
90$15,354,661$51,485$0$6,960,026
91$16,841,361$0$0$7,592,891
92$18,477,201$0$0$8,303,430
93$20,277,315$0$0$9,115,342
94$22,258,376$0$0$10,008,965
95$24,438,758$0$0$10,992,599
96$26,838,705$0$0$12,075,389
97$29,480,523$0$0$13,267,412
98$32,388,790$0$0$14,579,773
99$35,590,591$0$0$16,024,705
100$39,115,767$0$0$17,615,692