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%16.4%
1 years$52,438$51,971$51,515$51,070$50,636$49,312
2 years$25,959$25,476$25,007$24,553$24,112$22,787
3 years$17,134$16,649$16,181$15,731$15,298$14,013
4 years$12,723$12,239$11,776$11,334$10,911$9,677
5 years$10,076$9,595$9,139$8,705$8,294$7,114
6 years$8,313$7,835$7,385$6,962$6,563$5,438
7 years$7,053$6,580$6,137$5,724$5,337$4,267
8 years$6,110$5,640$5,205$4,801$4,428$3,412
9 years$5,376$4,911$4,483$4,090$3,729$2,767
10 years$4,789$4,329$3,908$3,525$3,177$2,268
11 years$4,309$3,854$3,441$3,068$2,732$1,874
12 years$3,910$3,459$3,054$2,691$2,368$1,559
13 years$3,572$3,126$2,728$2,376$2,065$1,304
14 years$3,283$2,841$2,451$2,109$1,810$1,096
15 years$3,032$2,595$2,213$1,881$1,594$924
16 years$2,813$2,381$2,007$1,684$1,409$781
17 years$2,620$2,193$1,826$1,513$1,249$662
18 years$2,449$2,027$1,667$1,364$1,110$562
19 years$2,296$1,878$1,526$1,232$990$478
20 years$2,158$1,745$1,400$1,116$884$407
21 years$2,034$1,626$1,288$1,013$791$348
22 years$1,921$1,517$1,187$921$709$297
23 years$1,818$1,419$1,096$839$637$254
24 years$1,724$1,330$1,014$765$572$217
25 years$1,637$1,248$939$699$515$186
26 years$1,557$1,173$871$639$464$159
27 years$1,484$1,104$809$585$418$136
28 years$1,415$1,040$752$536$377$117
29 years$1,352$981$700$491$341$100
30 years$1,293$927$652$451$308$86
31 years$1,237$876$607$414$278$74
32 years$1,186$829$567$381$252$63
33 years$1,137$785$529$350$228$54
34 years$1,092$744$494$322$206$47
35 years$1,049$706$462$296$187$40
36 years$1,009$670$432$273$169$34
37 years$970$636$405$251$153$29
38 years$934$605$379$232$139$25
39 years$900$575$355$214$126$22
40 years$868$547$333$197$114$19
41 years$838$521$312$182$104$16
42 years$808$496$293$168$94$14
43 years$781$472$275$155$85$12
44 years$754$450$258$143$78$10
45 years$729$429$242$132$70$9
46 years$705$410$227$122$64$7
47 years$683$391$214$113$58$6
48 years$661$373$201$104$53$6
49 years$640$356$189$96$48$5
50 years$620$340$177$89$44$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $635,000, adding $4,075 every year, while hoping to spend $32,506 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: 64/23/13 Blend
51$635,000$635,000$635,000$635,000
52$703,973$670,318$660,476$746,624
53$741,193$668,578$648,016$773,918
54$781,119$665,663$634,049$799,586
55$823,993$661,481$618,490$826,816
56$870,082$655,935$601,251$855,761
57$919,676$648,921$582,238$886,589
58$973,095$640,331$561,356$919,486
59$1,030,691$630,047$538,501$954,658
60$1,092,850$617,947$513,569$992,335
61$1,159,995$603,901$486,448$1,032,767
62$1,232,592$587,770$457,022$1,076,236
63$1,311,154$569,409$425,170$1,123,052
64$1,396,244$548,662$390,765$1,173,556
65$1,488,481$525,366$353,676$1,228,129
66$1,588,545$499,348$313,763$1,287,190
67$1,697,185$470,425$270,882$1,351,204
68$1,815,225$438,402$224,884$1,420,685
69$1,943,570$403,076$175,609$1,496,201
70$2,083,217$364,229$122,895$1,578,381
71$2,235,262$321,633$66,569$1,667,920
72$2,400,911$275,046$6,451$1,765,586
73$2,581,493$224,212$0$1,872,229
74$2,778,468$168,861$0$1,996,793
75$2,993,445$108,709$0$2,133,788
76$3,228,194$43,454$0$2,283,492
77$3,484,665$0$0$2,447,205
78$3,765,002$0$0$2,633,247
79$4,071,568$0$0$2,848,765
80$4,406,963$0$0$3,084,593
81$4,774,052$0$0$3,342,752
82$5,175,987$0$0$3,625,464
83$5,616,242$0$0$3,935,177
84$6,098,640$0$0$4,274,589
85$6,627,394$0$0$4,646,669
86$7,207,141$0$0$5,054,687
87$7,842,991$0$0$5,502,245
88$8,540,570$0$0$5,993,312
89$9,306,077$0$0$6,532,258
90$10,146,338$0$0$7,123,897
91$11,068,873$0$0$7,773,531
92$12,081,966$0$0$8,487,002
93$13,194,743$0$0$9,270,745
94$14,417,256$0$0$10,131,849
95$15,760,581$0$0$11,078,123
96$17,236,916$0$0$12,118,172
97$18,859,703$0$0$13,261,473
98$20,643,751$0$0$14,518,469
99$22,605,372$0$0$15,900,665
100$24,762,542$0$0$17,420,736