Can I retire at age 52 with 637,000?

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 $637,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$52,603$52,134$51,677$51,231$50,795$49,851
2 years$26,041$25,556$25,086$24,630$24,188$23,241
3 years$17,188$16,701$16,232$15,781$15,346$14,424
4 years$12,763$12,277$11,813$11,369$10,945$10,056
5 years$10,108$9,625$9,167$8,733$8,320$7,467
6 years$8,339$7,860$7,409$6,984$6,583$5,767
7 years$7,076$6,601$6,157$5,742$5,354$4,575
8 years$6,129$5,658$5,221$4,816$4,442$3,699
9 years$5,393$4,926$4,497$4,103$3,741$3,034
10 years$4,804$4,342$3,921$3,536$3,187$2,516
11 years$4,323$3,866$3,452$3,078$2,741$2,105
12 years$3,922$3,470$3,063$2,700$2,375$1,773
13 years$3,583$3,136$2,737$2,383$2,071$1,502
14 years$3,293$2,850$2,459$2,116$1,816$1,278
15 years$3,042$2,604$2,220$1,887$1,599$1,092
16 years$2,822$2,389$2,013$1,689$1,413$935
17 years$2,629$2,200$1,832$1,518$1,253$804
18 years$2,457$2,033$1,672$1,368$1,114$692
19 years$2,303$1,884$1,531$1,236$993$597
20 years$2,165$1,751$1,405$1,120$887$516
21 years$2,040$1,631$1,292$1,016$794$447
22 years$1,927$1,522$1,191$924$711$387
23 years$1,824$1,424$1,100$841$639$336
24 years$1,729$1,334$1,017$767$574$292
25 years$1,642$1,252$942$701$516$253
26 years$1,562$1,177$874$641$465$220
27 years$1,488$1,107$811$586$419$192
28 years$1,420$1,043$754$537$378$167
29 years$1,356$984$702$493$342$145
30 years$1,297$930$654$452$309$127
31 years$1,241$879$609$415$279$110
32 years$1,189$831$569$382$253$96
33 years$1,141$787$531$351$229$84
34 years$1,095$746$496$323$207$73
35 years$1,052$708$464$297$187$64
36 years$1,012$672$434$274$170$56
37 years$974$638$406$252$154$49
38 years$937$606$380$233$140$42
39 years$903$577$356$214$127$37
40 years$871$549$334$198$115$32
41 years$840$522$313$182$104$28
42 years$811$497$294$168$94$25
43 years$783$474$276$155$86$21
44 years$757$452$259$144$78$19
45 years$732$431$243$133$71$16
46 years$708$411$228$122$64$14
47 years$685$392$214$113$58$12
48 years$663$374$201$105$53$11
49 years$642$357$189$97$48$10
50 years$622$341$178$89$44$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $637,000, adding $5,806 every year, while hoping to spend $35,795 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: 38/44/18 Blend
51$637,000$637,000$637,000$637,000
52$707,963$674,202$664,328$730,839
53$742,090$669,152$648,498$742,778
54$778,497$662,655$630,937$751,839
55$817,381$654,603$611,551$760,880
56$858,955$644,879$590,238$769,922
57$903,452$633,362$566,896$778,985
58$951,130$619,923$541,412$788,097
59$1,002,271$604,424$513,675$797,292
60$1,057,182$586,721$483,563$806,609
61$1,116,204$566,659$450,951$816,098
62$1,179,709$544,077$415,710$825,814
63$1,248,105$518,803$377,702$835,825
64$1,321,842$490,654$336,785$846,207
65$1,401,412$459,439$292,810$857,052
66$1,487,358$424,953$245,621$868,462
67$1,580,275$386,982$195,056$880,558
68$1,680,817$345,299$140,944$893,479
69$1,789,704$299,662$83,110$907,380
70$1,907,728$249,819$21,368$922,443
71$2,035,757$195,502$0$938,872
72$2,174,749$136,426$0$965,450
73$2,325,755$72,292$0$998,825
74$2,489,933$2,785$0$1,035,227
75$2,668,556$0$0$1,075,036
76$2,863,025$0$0$1,153,744
77$3,074,881$0$0$1,241,038
78$3,305,822$0$0$1,336,279
79$3,557,713$0$0$1,440,247
80$3,832,610$0$0$1,553,801
81$4,132,776$0$0$1,677,887
82$4,460,699$0$0$1,813,547
83$4,819,121$0$0$1,961,925
84$5,211,061$0$0$2,124,286
85$5,639,840$0$0$2,302,018
86$6,109,118$0$0$2,496,652
87$6,622,925$0$0$2,709,873
88$7,185,696$0$0$2,943,537
89$7,802,317$0$0$3,199,689
90$8,478,169$0$0$3,480,579
91$9,219,179$0$0$3,788,687
92$10,031,874$0$0$4,126,745
93$10,923,442$0$0$4,497,761
94$11,901,802$0$0$4,905,048
95$12,975,676$0$0$5,352,257
96$14,154,672$0$0$5,843,408
97$15,449,372$0$0$6,382,930
98$16,871,437$0$0$6,975,705
99$18,433,708$0$0$7,627,106
100$20,150,334$0$0$8,343,056