Can I retire at age 52 with 638,000?

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 $638,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$52,685$52,216$51,758$51,311$50,875$49,971
2 years$26,082$25,596$25,125$24,669$24,226$23,318
3 years$17,215$16,727$16,258$15,806$15,370$14,487
4 years$12,783$12,296$11,832$11,387$10,962$10,110
5 years$10,124$9,641$9,182$8,746$8,333$7,515
6 years$8,352$7,872$7,420$6,995$6,594$5,810
7 years$7,087$6,611$6,166$5,751$5,363$4,614
8 years$6,138$5,667$5,229$4,824$4,449$3,735
9 years$5,401$4,934$4,504$4,109$3,746$3,067
10 years$4,812$4,349$3,927$3,542$3,192$2,547
11 years$4,330$3,872$3,457$3,083$2,745$2,133
12 years$3,928$3,475$3,068$2,704$2,379$1,799
13 years$3,589$3,140$2,741$2,387$2,075$1,526
14 years$3,298$2,855$2,463$2,119$1,819$1,300
15 years$3,047$2,608$2,224$1,890$1,601$1,112
16 years$2,827$2,393$2,016$1,692$1,415$954
17 years$2,633$2,203$1,835$1,520$1,255$821
18 years$2,461$2,036$1,675$1,370$1,116$708
19 years$2,307$1,887$1,533$1,238$994$612
20 years$2,168$1,754$1,407$1,121$888$530
21 years$2,043$1,633$1,294$1,018$795$459
22 years$1,930$1,525$1,193$925$713$399
23 years$1,827$1,426$1,101$843$640$346
24 years$1,732$1,336$1,019$769$575$301
25 years$1,645$1,254$943$702$517$262
26 years$1,565$1,178$875$642$466$228
27 years$1,491$1,109$812$587$420$199
28 years$1,422$1,045$755$538$379$173
29 years$1,358$986$703$494$342$151
30 years$1,299$931$655$453$309$132
31 years$1,243$880$610$416$280$115
32 years$1,191$833$569$382$253$101
33 years$1,143$789$532$352$229$88
34 years$1,097$747$497$323$207$77
35 years$1,054$709$464$298$188$67
36 years$1,013$673$435$274$170$59
37 years$975$639$407$253$154$51
38 years$939$607$381$233$140$45
39 years$905$578$357$215$127$39
40 years$872$549$334$198$115$34
41 years$841$523$314$183$104$30
42 years$812$498$294$169$95$26
43 years$784$475$276$156$86$23
44 years$758$452$259$144$78$20
45 years$733$431$243$133$71$17
46 years$709$412$229$123$64$15
47 years$686$393$215$113$58$13
48 years$664$375$202$105$53$12
49 years$643$358$190$97$48$10
50 years$623$342$178$89$44$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $638,000, adding $2,088 every year, while hoping to spend $43,876 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: 79/12/9 Blend
51$638,000$638,000$638,000$638,000
52$705,230$671,416$661,527$759,816
53$730,479$657,631$637,004$782,151
54$756,834$641,701$610,190$800,727
55$784,360$623,473$580,960$819,813
56$813,129$602,788$549,186$839,440
57$843,219$579,475$514,734$859,640
58$874,712$553,354$477,463$880,452
59$907,701$524,237$437,227$901,918
60$942,284$491,922$393,871$924,082
61$978,567$456,196$347,236$946,998
62$1,016,666$416,835$297,153$970,722
63$1,056,707$373,601$243,449$995,317
64$1,098,827$326,244$185,941$1,020,855
65$1,143,175$274,497$124,437$1,047,414
66$1,189,913$218,082$58,740$1,075,082
67$1,239,218$156,701$0$1,103,955
68$1,291,281$90,042$0$1,135,235
69$1,346,314$17,776$0$1,174,040
70$1,404,544$0$0$1,214,879
71$1,466,222$0$0$1,265,905
72$1,531,621$0$0$1,322,508
73$1,601,041$0$0$1,382,600
74$1,674,806$0$0$1,446,465
75$1,753,276$0$0$1,514,413
76$1,836,839$0$0$1,586,786
77$1,925,926$0$0$1,663,954
78$2,021,003$0$0$1,746,326
79$2,122,585$0$0$1,834,348
80$2,231,235$0$0$1,928,510
81$2,347,570$0$0$2,029,350
82$2,472,267$0$0$2,137,455
83$2,606,068$0$0$2,253,471
84$2,749,788$0$0$2,378,109
85$2,904,322$0$0$2,512,144
86$3,070,650$0$0$2,656,433
87$3,249,852$0$0$2,811,913
88$3,443,111$0$0$2,979,615
89$3,651,729$0$0$3,160,669
90$3,877,134$0$0$3,356,321
91$4,120,898$0$0$3,567,938
92$4,384,747$0$0$3,797,021
93$4,670,580$0$0$4,045,223
94$4,980,483$0$0$4,314,361
95$5,316,751$0$0$4,606,431
96$5,681,909$0$0$4,923,630
97$6,078,733$0$0$5,268,375
98$6,510,277$0$0$5,643,323
99$6,979,902$0$0$6,051,400
100$7,491,303$0$0$6,495,824