Can I retire at age 52 with 635,000?

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 $635,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$52,438$51,971$51,515$51,070$50,636$50,401
2 years$25,959$25,476$25,007$24,553$24,112$23,876
3 years$17,134$16,649$16,181$15,731$15,298$15,066
4 years$12,723$12,239$11,776$11,334$10,911$10,686
5 years$10,076$9,595$9,139$8,705$8,294$8,077
6 years$8,313$7,835$7,385$6,962$6,563$6,353
7 years$7,053$6,580$6,137$5,724$5,337$5,136
8 years$6,110$5,640$5,205$4,801$4,428$4,234
9 years$5,376$4,911$4,483$4,090$3,729$3,543
10 years$4,789$4,329$3,908$3,525$3,177$3,000
11 years$4,309$3,854$3,441$3,068$2,732$2,563
12 years$3,910$3,459$3,054$2,691$2,368$2,206
13 years$3,572$3,126$2,728$2,376$2,065$1,910
14 years$3,283$2,841$2,451$2,109$1,810$1,663
15 years$3,032$2,595$2,213$1,881$1,594$1,453
16 years$2,813$2,381$2,007$1,684$1,409$1,275
17 years$2,620$2,193$1,826$1,513$1,249$1,122
18 years$2,449$2,027$1,667$1,364$1,110$990
19 years$2,296$1,878$1,526$1,232$990$876
20 years$2,158$1,745$1,400$1,116$884$776
21 years$2,034$1,626$1,288$1,013$791$689
22 years$1,921$1,517$1,187$921$709$613
23 years$1,818$1,419$1,096$839$637$545
24 years$1,724$1,330$1,014$765$572$486
25 years$1,637$1,248$939$699$515$434
26 years$1,557$1,173$871$639$464$388
27 years$1,484$1,104$809$585$418$346
28 years$1,415$1,040$752$536$377$310
29 years$1,352$981$700$491$341$277
30 years$1,293$927$652$451$308$248
31 years$1,237$876$607$414$278$223
32 years$1,186$829$567$381$252$200
33 years$1,137$785$529$350$228$179
34 years$1,092$744$494$322$206$161
35 years$1,049$706$462$296$187$144
36 years$1,009$670$432$273$169$129
37 years$970$636$405$251$153$116
38 years$934$605$379$232$139$104
39 years$900$575$355$214$126$94
40 years$868$547$333$197$114$84
41 years$838$521$312$182$104$76
42 years$808$496$293$168$94$68
43 years$781$472$275$155$85$61
44 years$754$450$258$143$78$55
45 years$729$429$242$132$70$49
46 years$705$410$227$122$64$44
47 years$683$391$214$113$58$40
48 years$661$373$201$104$53$36
49 years$640$356$189$96$48$32
50 years$620$340$177$89$44$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $635,000, adding $6,605 every year, while hoping to spend $28,799 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: 74/8/18 Blend
51$635,000$635,000$635,000$635,000
52$706,583$672,928$663,086$755,448
53$748,013$675,260$654,657$791,061
54$792,703$676,740$644,981$825,911
55$840,956$677,298$633,985$863,347
56$893,103$676,856$621,594$903,618
57$949,511$675,332$607,728$947,000
58$1,010,579$672,642$592,305$993,799
59$1,076,749$668,692$575,238$1,044,349
60$1,148,506$663,387$556,437$1,099,022
61$1,226,383$656,622$535,807$1,158,226
62$1,310,966$648,289$513,249$1,222,412
63$1,402,901$638,271$488,659$1,292,076
64$1,502,897$626,446$461,929$1,367,769
65$1,611,735$612,684$432,946$1,450,093
66$1,730,274$596,848$401,592$1,539,717
67$1,859,459$578,791$367,742$1,637,376
68$2,000,331$558,359$331,269$1,743,882
69$2,154,035$535,389$292,037$1,860,130
70$2,321,832$509,708$249,905$1,987,107
71$2,505,109$481,133$204,727$2,125,903
72$2,705,392$449,472$156,348$2,277,717
73$2,924,365$414,519$104,608$2,443,876
74$3,163,879$376,058$49,341$2,625,838
75$3,425,971$333,862$0$2,825,216
76$3,712,887$287,688$0$3,045,637
77$4,027,099$237,282$0$3,297,443
78$4,371,329$182,375$0$3,573,343
79$4,748,574$122,681$0$3,875,758
80$5,162,137$57,900$0$4,207,356
81$5,615,652$0$0$4,571,075
82$6,113,127$0$0$4,971,234
83$6,658,971$0$0$5,415,921
84$7,258,043$0$0$5,904,001
85$7,915,697$0$0$6,439,839
86$8,637,827$0$0$7,028,241
87$9,430,928$0$0$7,674,504
88$10,302,156$0$0$8,384,461
89$11,259,390$0$0$9,164,539
90$12,311,314$0$0$10,021,818
91$13,467,494$0$0$10,964,099
92$14,738,468$0$0$11,999,974
93$16,135,846$0$0$13,138,910
94$17,672,418$0$0$14,391,339
95$19,362,279$0$0$15,768,751
96$21,220,955$0$0$17,283,809
97$23,265,553$0$0$18,950,462
98$25,514,922$0$0$20,784,080
99$27,989,829$0$0$22,801,598
100$30,713,157$0$0$25,021,676