Can I retire at age 52 with 637,000?

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 $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%13.1%
1 years$52,603$52,134$51,677$51,231$50,795$50,140
2 years$26,041$25,556$25,086$24,630$24,188$23,529
3 years$17,188$16,701$16,232$15,781$15,346$14,703
4 years$12,763$12,277$11,813$11,369$10,945$10,323
5 years$10,108$9,625$9,167$8,733$8,320$7,722
6 years$8,339$7,860$7,409$6,984$6,583$6,009
7 years$7,076$6,601$6,157$5,742$5,354$4,804
8 years$6,129$5,658$5,221$4,816$4,442$3,916
9 years$5,393$4,926$4,497$4,103$3,741$3,239
10 years$4,804$4,342$3,921$3,536$3,187$2,709
11 years$4,323$3,866$3,452$3,078$2,741$2,286
12 years$3,922$3,470$3,063$2,700$2,375$1,943
13 years$3,583$3,136$2,737$2,383$2,071$1,661
14 years$3,293$2,850$2,459$2,116$1,816$1,427
15 years$3,042$2,604$2,220$1,887$1,599$1,231
16 years$2,822$2,389$2,013$1,689$1,413$1,065
17 years$2,629$2,200$1,832$1,518$1,253$924
18 years$2,457$2,033$1,672$1,368$1,114$804
19 years$2,303$1,884$1,531$1,236$993$701
20 years$2,165$1,751$1,405$1,120$887$612
21 years$2,040$1,631$1,292$1,016$794$536
22 years$1,927$1,522$1,191$924$711$469
23 years$1,824$1,424$1,100$841$639$411
24 years$1,729$1,334$1,017$767$574$361
25 years$1,642$1,252$942$701$516$317
26 years$1,562$1,177$874$641$465$279
27 years$1,488$1,107$811$586$419$245
28 years$1,420$1,043$754$537$378$216
29 years$1,356$984$702$493$342$190
30 years$1,297$930$654$452$309$168
31 years$1,241$879$609$415$279$148
32 years$1,189$831$569$382$253$130
33 years$1,141$787$531$351$229$115
34 years$1,095$746$496$323$207$101
35 years$1,052$708$464$297$187$90
36 years$1,012$672$434$274$170$79
37 years$974$638$406$252$154$70
38 years$937$606$380$233$140$62
39 years$903$577$356$214$127$54
40 years$871$549$334$198$115$48
41 years$840$522$313$182$104$42
42 years$811$497$294$168$94$38
43 years$783$474$276$155$86$33
44 years$757$452$259$144$78$29
45 years$732$431$243$133$71$26
46 years$708$411$228$122$64$23
47 years$685$392$214$113$58$20
48 years$663$374$201$105$53$18
49 years$642$357$189$97$48$16
50 years$622$341$178$89$44$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $637,000, adding $2,220 every year, while hoping to spend $24,403 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: 68/25/7 Blend
51$637,000$637,000$637,000$637,000
52$704,264$670,503$660,629$751,188
53$750,134$677,393$656,796$789,463
54$799,865$683,803$652,016$828,133
55$853,826$689,683$646,232$869,763
56$912,419$694,981$639,385$914,638
57$976,092$699,641$631,410$963,073
58$1,045,334$703,604$622,243$1,015,413
59$1,120,683$706,805$611,813$1,072,042
60$1,202,732$709,179$600,048$1,133,380
61$1,292,135$710,652$586,874$1,199,894
62$1,389,608$711,149$572,209$1,272,094
63$1,495,942$710,590$555,973$1,350,546
64$1,612,007$708,888$538,077$1,435,873
65$1,738,760$705,952$518,431$1,528,762
66$1,877,256$701,685$496,940$1,629,971
67$2,028,654$695,986$473,505$1,740,335
68$2,194,232$688,744$448,023$1,860,776
69$2,375,396$679,846$420,385$1,992,310
70$2,573,696$669,168$390,477$2,136,057
71$2,790,837$656,581$358,182$2,293,252
72$3,028,697$641,948$323,376$2,465,259
73$3,289,344$625,123$285,929$2,653,580
74$3,575,056$605,954$245,707$2,859,872
75$3,888,343$584,276$202,568$3,085,962
76$4,231,966$559,918$156,367$3,333,866
77$4,608,970$532,697$106,949$3,605,804
78$5,022,707$502,421$54,153$3,904,226
79$5,476,868$468,885$0$4,231,835
80$5,975,523$431,874$0$4,591,773
81$6,523,151$391,160$0$4,991,488
82$7,124,687$346,503$0$5,430,567
83$7,785,570$297,646$0$5,913,017
84$8,511,789$244,321$0$6,443,256
85$9,309,943$186,245$0$7,026,155
86$10,187,303$123,116$0$7,667,083
87$11,151,877$54,618$0$8,371,959
88$12,212,490$0$0$9,147,308
89$13,378,863$0$0$10,005,709
90$14,661,709$0$0$10,966,397
91$16,072,829$0$0$12,023,188
92$17,625,225$0$0$13,185,825
93$19,333,224$0$0$14,465,044
94$21,212,611$0$0$15,872,672
95$23,280,778$0$0$17,421,743
96$25,556,890$0$0$19,126,616
97$28,062,061$0$0$21,003,113
98$30,819,559$0$0$23,068,669
99$33,855,019$0$0$25,342,494
100$37,196,689$0$0$27,845,754