Can I retire at age 52 with 632,000?

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 $632,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$52,190$51,725$51,272$50,829$50,397$50,100
2 years$25,837$25,355$24,889$24,437$23,998$23,699
3 years$17,053$16,570$16,105$15,657$15,226$14,933
4 years$12,663$12,181$11,720$11,280$10,859$10,575
5 years$10,029$9,550$9,095$8,664$8,255$7,981
6 years$8,273$7,798$7,350$6,929$6,532$6,268
7 years$7,020$6,549$6,108$5,697$5,312$5,058
8 years$6,081$5,614$5,180$4,779$4,407$4,163
9 years$5,350$4,888$4,462$4,070$3,711$3,478
10 years$4,766$4,308$3,890$3,509$3,162$2,939
11 years$4,289$3,835$3,425$3,054$2,720$2,506
12 years$3,891$3,442$3,039$2,678$2,357$2,153
13 years$3,555$3,111$2,715$2,365$2,055$1,861
14 years$3,267$2,828$2,440$2,099$1,801$1,617
15 years$3,018$2,583$2,203$1,872$1,586$1,410
16 years$2,800$2,370$1,997$1,676$1,402$1,235
17 years$2,608$2,183$1,817$1,506$1,243$1,084
18 years$2,437$2,017$1,659$1,357$1,105$955
19 years$2,285$1,869$1,519$1,226$985$843
20 years$2,148$1,737$1,394$1,111$880$745
21 years$2,024$1,618$1,282$1,008$787$660
22 years$1,912$1,510$1,182$917$706$586
23 years$1,809$1,413$1,091$835$634$520
24 years$1,716$1,323$1,009$761$569$463
25 years$1,629$1,242$935$695$512$412
26 years$1,550$1,167$867$636$462$367
27 years$1,477$1,099$805$582$416$327
28 years$1,409$1,035$748$533$376$292
29 years$1,345$977$696$489$339$261
30 years$1,286$922$649$449$306$233
31 years$1,231$872$605$412$277$208
32 years$1,180$825$564$379$251$186
33 years$1,132$781$527$348$227$167
34 years$1,087$740$492$320$205$149
35 years$1,044$702$460$295$186$134
36 years$1,004$667$430$272$168$120
37 years$966$633$403$250$153$107
38 years$930$602$377$231$138$96
39 years$896$572$353$213$126$86
40 years$864$544$331$196$114$77
41 years$834$518$311$181$103$69
42 years$805$493$291$167$94$62
43 years$777$470$273$154$85$56
44 years$751$448$257$142$77$50
45 years$726$427$241$132$70$45
46 years$702$408$226$121$64$40
47 years$679$389$213$112$58$36
48 years$658$371$200$104$52$32
49 years$637$355$188$96$48$29
50 years$617$339$177$89$43$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $632,000, adding $4,673 every year, while hoping to spend $45,872 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: 56/25/19 Blend
51$632,000$632,000$632,000$632,000
52$701,284$667,788$657,992$736,746
53$724,008$651,702$631,227$745,356
54$747,512$633,291$602,029$749,415
55$771,827$612,391$570,266$752,823
56$796,987$588,832$535,803$755,528
57$823,026$562,431$498,499$757,475
58$849,980$532,996$458,204$758,609
59$877,888$500,323$414,764$758,869
60$906,791$464,197$368,017$758,193
61$936,732$424,391$317,794$756,513
62$967,756$380,664$263,918$753,762
63$999,913$332,761$206,204$749,865
64$1,033,253$280,416$144,461$744,746
65$1,067,831$223,342$78,487$738,326
66$1,103,705$161,242$8,072$730,521
67$1,140,938$93,797$0$721,243
68$1,179,595$20,675$0$723,999
69$1,219,747$0$0$727,724
70$1,261,470$0$0$746,817
71$1,304,843$0$0$772,586
72$1,349,953$0$0$799,396
73$1,396,893$0$0$827,303
74$1,445,763$0$0$856,366
75$1,496,668$0$0$886,652
76$1,549,723$0$0$918,229
77$1,605,053$0$0$951,173
78$1,662,790$0$0$985,564
79$1,723,078$0$0$1,021,491
80$1,786,072$0$0$1,059,047
81$1,851,940$0$0$1,098,335
82$1,920,862$0$0$1,139,466
83$1,993,034$0$0$1,182,558
84$2,068,671$0$0$1,227,742
85$2,148,001$0$0$1,275,159
86$2,231,274$0$0$1,324,960
87$2,318,764$0$0$1,377,314
88$2,410,764$0$0$1,432,399
89$2,507,596$0$0$1,490,413
90$2,609,609$0$0$1,551,570
91$2,717,184$0$0$1,616,102
92$2,830,736$0$0$1,684,264
93$2,950,716$0$0$1,756,333
94$3,077,619$0$0$1,832,612
95$3,211,983$0$0$1,913,431
96$3,354,396$0$0$1,999,152
97$3,505,500$0$0$2,090,168
98$3,666,000$0$0$2,186,911
99$3,836,663$0$0$2,289,854
100$4,018,331$0$0$2,399,513