Can I retire at age 52 with 634,000?

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 $634,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$52,355$51,889$51,434$50,990$50,556$49,759
2 years$25,918$25,436$24,968$24,514$24,074$23,274
3 years$17,107$16,622$16,156$15,707$15,274$14,494
4 years$12,703$12,219$11,757$11,316$10,893$10,141
5 years$10,060$9,580$9,124$8,692$8,281$7,558
6 years$8,300$7,823$7,374$6,951$6,552$5,859
7 years$7,042$6,570$6,128$5,715$5,329$4,666
8 years$6,100$5,631$5,197$4,794$4,421$3,788
9 years$5,367$4,903$4,476$4,083$3,723$3,120
10 years$4,781$4,322$3,902$3,520$3,172$2,598
11 years$4,302$3,848$3,435$3,063$2,728$2,183
12 years$3,904$3,453$3,049$2,687$2,364$1,847
13 years$3,566$3,121$2,724$2,372$2,062$1,572
14 years$3,278$2,837$2,447$2,106$1,807$1,344
15 years$3,027$2,591$2,210$1,878$1,591$1,154
16 years$2,809$2,378$2,003$1,681$1,406$993
17 years$2,616$2,190$1,823$1,511$1,247$858
18 years$2,445$2,023$1,664$1,362$1,109$743
19 years$2,292$1,875$1,524$1,230$988$644
20 years$2,155$1,743$1,398$1,114$883$560
21 years$2,031$1,623$1,286$1,011$790$487
22 years$1,918$1,515$1,185$919$708$424
23 years$1,815$1,417$1,094$837$636$370
24 years$1,721$1,328$1,012$764$571$323
25 years$1,635$1,246$937$697$514$282
26 years$1,555$1,171$869$638$463$247
27 years$1,481$1,102$807$584$417$216
28 years$1,413$1,038$751$535$377$189
29 years$1,350$980$698$490$340$166
30 years$1,291$925$651$450$307$145
31 years$1,235$875$607$413$278$127
32 years$1,184$828$566$380$251$111
33 years$1,135$784$528$349$227$98
34 years$1,090$743$494$321$206$86
35 years$1,047$705$462$296$187$75
36 years$1,007$669$432$273$169$66
37 years$969$635$404$251$153$58
38 years$933$604$378$231$139$51
39 years$899$574$355$213$126$45
40 years$867$546$332$197$114$39
41 years$836$520$312$182$104$34
42 years$807$495$292$168$94$30
43 years$780$472$274$155$85$27
44 years$753$450$257$143$77$23
45 years$728$429$242$132$70$20
46 years$704$409$227$122$64$18
47 years$682$390$213$113$58$16
48 years$660$373$200$104$53$14
49 years$639$356$188$96$48$12
50 years$619$340$177$89$43$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $634,000, adding $4,342 every year, while hoping to spend $27,783 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: 65/26/9 Blend
51$634,000$634,000$634,000$634,000
52$703,147$669,545$659,718$747,272
53$745,307$672,792$652,257$780,456
54$790,836$675,266$643,616$813,016
55$840,049$676,902$633,725$847,872
56$893,290$677,627$622,511$885,245
57$950,941$677,365$609,900$925,379
58$1,013,417$676,037$595,812$968,545
59$1,081,179$673,555$580,165$1,015,040
60$1,154,731$669,831$562,872$1,065,193
61$1,234,628$664,768$543,843$1,119,367
62$1,321,481$658,263$522,983$1,177,964
63$1,415,963$650,208$500,193$1,241,425
64$1,518,812$640,488$475,370$1,310,240
65$1,630,841$628,983$448,406$1,384,948
66$1,752,947$615,563$419,187$1,466,145
67$1,886,113$600,092$387,596$1,554,489
68$2,031,426$582,425$353,509$1,650,705
69$2,190,077$562,410$316,798$1,755,595
70$2,363,381$539,884$277,327$1,870,043
71$2,552,785$514,677$234,956$1,995,027
72$2,759,881$486,608$189,539$2,131,623
73$2,986,422$455,485$140,921$2,281,021
74$3,234,338$421,105$88,944$2,444,534
75$3,505,756$383,255$33,439$2,623,611
76$3,803,016$341,708$0$2,819,851
77$4,128,697$296,224$0$3,037,496
78$4,485,637$246,552$0$3,279,603
79$4,876,963$192,424$0$3,545,125
80$5,306,118$133,558$0$3,836,451
81$5,776,896$69,657$0$4,156,217
82$6,293,475$405$0$4,507,330
83$6,860,455$0$0$4,892,995
84$7,482,907$0$0$5,338,072
85$8,166,413$0$0$5,826,976
86$8,917,124$0$0$6,363,998
87$9,741,817$0$0$6,953,991
88$10,647,956$0$0$7,602,299
89$11,643,763$0$0$8,314,814
90$12,738,300$0$0$9,098,024
91$13,941,545$0$0$9,959,076
92$15,264,495$0$0$10,905,847
93$16,719,265$0$0$11,947,013
94$18,319,202$0$0$13,092,135
95$20,079,012$0$0$14,351,744
96$22,014,896$0$0$15,737,446
97$24,144,708$0$0$17,262,028
98$26,488,115$0$0$18,939,576
99$29,066,790$0$0$20,785,615
100$31,904,612$0$0$22,817,246