Can I retire at age 52 with 632,000?

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 $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%11.2%
1 years$52,190$51,725$51,272$50,829$50,397$50,142
2 years$25,837$25,355$24,889$24,437$23,998$23,741
3 years$17,053$16,570$16,105$15,657$15,226$14,974
4 years$12,663$12,181$11,720$11,280$10,859$10,615
5 years$10,029$9,550$9,095$8,664$8,255$8,019
6 years$8,273$7,798$7,350$6,929$6,532$6,305
7 years$7,020$6,549$6,108$5,697$5,312$5,094
8 years$6,081$5,614$5,180$4,779$4,407$4,197
9 years$5,350$4,888$4,462$4,070$3,711$3,510
10 years$4,766$4,308$3,890$3,509$3,162$2,970
11 years$4,289$3,835$3,425$3,054$2,720$2,536
12 years$3,891$3,442$3,039$2,678$2,357$2,181
13 years$3,555$3,111$2,715$2,365$2,055$1,888
14 years$3,267$2,828$2,440$2,099$1,801$1,642
15 years$3,018$2,583$2,203$1,872$1,586$1,434
16 years$2,800$2,370$1,997$1,676$1,402$1,257
17 years$2,608$2,183$1,817$1,506$1,243$1,106
18 years$2,437$2,017$1,659$1,357$1,105$975
19 years$2,285$1,869$1,519$1,226$985$862
20 years$2,148$1,737$1,394$1,111$880$763
21 years$2,024$1,618$1,282$1,008$787$677
22 years$1,912$1,510$1,182$917$706$602
23 years$1,809$1,413$1,091$835$634$535
24 years$1,716$1,323$1,009$761$569$477
25 years$1,629$1,242$935$695$512$425
26 years$1,550$1,167$867$636$462$379
27 years$1,477$1,099$805$582$416$339
28 years$1,409$1,035$748$533$376$303
29 years$1,345$977$696$489$339$271
30 years$1,286$922$649$449$306$242
31 years$1,231$872$605$412$277$217
32 years$1,180$825$564$379$251$194
33 years$1,132$781$527$348$227$174
34 years$1,087$740$492$320$205$156
35 years$1,044$702$460$295$186$140
36 years$1,004$667$430$272$168$126
37 years$966$633$403$250$153$113
38 years$930$602$377$231$138$101
39 years$896$572$353$213$126$91
40 years$864$544$331$196$114$82
41 years$834$518$311$181$103$73
42 years$805$493$291$167$94$66
43 years$777$470$273$154$85$59
44 years$751$448$257$142$77$53
45 years$726$427$241$132$70$48
46 years$702$408$226$121$64$43
47 years$679$389$213$112$58$39
48 years$658$371$200$104$52$35
49 years$637$355$188$96$48$31
50 years$617$339$177$89$43$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $632,000, adding $3,702 every year, while hoping to spend $28,436 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: 51/25/24 Blend
51$632,000$632,000$632,000$632,000
52$700,283$666,787$656,991$731,121
53$741,456$669,203$648,744$755,314
54$785,876$670,786$639,268$778,412
55$833,843$671,462$628,492$802,946
56$885,689$671,158$616,341$829,064
57$941,778$669,793$602,736$856,931
58$1,002,508$667,282$587,597$886,727
59$1,068,320$663,535$570,838$918,655
60$1,139,697$658,457$552,369$952,941
61$1,217,171$651,945$532,098$989,832
62$1,301,325$643,894$509,926$1,029,606
63$1,392,803$634,187$485,751$1,072,568
64$1,492,312$622,706$459,467$1,119,057
65$1,600,630$609,321$430,962$1,169,451
66$1,718,615$593,898$400,119$1,224,165
67$1,847,207$576,292$366,817$1,283,662
68$1,987,444$556,353$330,928$1,348,454
69$2,140,468$533,919$292,318$1,419,106
70$2,307,536$508,820$250,850$1,496,247
71$2,490,029$480,877$206,379$1,580,570
72$2,689,471$449,899$158,751$1,672,843
73$2,907,538$415,685$107,811$1,773,917
74$3,146,076$378,023$53,391$1,884,733
75$3,407,116$336,687$0$2,006,331
76$3,692,898$291,440$0$2,141,062
77$4,005,884$242,031$0$2,303,667
78$4,348,788$188,194$0$2,481,915
79$4,724,599$129,651$0$2,677,412
80$5,136,608$66,104$0$2,891,929
81$5,588,440$0$0$3,127,421
82$6,084,089$0$0$3,386,806
83$6,627,950$0$0$3,691,440
84$7,224,869$0$0$4,025,862
85$7,880,180$0$0$4,393,069
86$8,599,763$0$0$4,796,362
87$9,390,090$0$0$5,239,381
88$10,258,296$0$0$5,726,131
89$11,212,236$0$0$6,261,029
90$12,260,567$0$0$6,848,937
91$13,412,826$0$0$7,495,215
92$14,679,518$0$0$8,205,765
93$16,072,218$0$0$8,987,091
94$17,603,679$0$0$9,846,359
95$19,287,949$0$0$10,791,464
96$21,140,509$0$0$11,831,104
97$23,178,413$0$0$12,974,863
98$25,420,453$0$0$14,233,300
99$27,887,333$0$0$15,618,051
100$30,601,866$0$0$17,141,934