Can I retire at age 52 with 639,000?

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 $639,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$52,768$52,298$51,839$51,392$50,955$49,423
2 years$26,123$25,636$25,165$24,708$24,264$22,734
3 years$17,242$16,754$16,283$15,830$15,394$13,913
4 years$12,803$12,316$11,850$11,405$10,979$9,559
5 years$10,140$9,656$9,196$8,760$8,346$6,990
6 years$8,365$7,885$7,432$7,005$6,604$5,314
7 years$7,098$6,621$6,176$5,760$5,371$4,147
8 years$6,148$5,676$5,238$4,832$4,456$3,297
9 years$5,410$4,942$4,511$4,115$3,752$2,657
10 years$4,819$4,356$3,933$3,548$3,197$2,164
11 years$4,336$3,878$3,463$3,087$2,750$1,777
12 years$3,934$3,481$3,073$2,708$2,383$1,469
13 years$3,594$3,145$2,745$2,391$2,078$1,220
14 years$3,303$2,859$2,467$2,122$1,821$1,018
15 years$3,051$2,612$2,227$1,893$1,604$852
16 years$2,831$2,396$2,019$1,695$1,417$715
17 years$2,637$2,207$1,837$1,523$1,257$602
18 years$2,464$2,039$1,677$1,372$1,117$507
19 years$2,310$1,890$1,536$1,240$996$428
20 years$2,172$1,756$1,409$1,123$890$362
21 years$2,047$1,636$1,296$1,019$796$307
22 years$1,933$1,527$1,195$927$714$260
23 years$1,829$1,428$1,103$844$641$220
24 years$1,735$1,338$1,020$770$576$187
25 years$1,647$1,256$945$703$518$159
26 years$1,567$1,180$876$643$467$135
27 years$1,493$1,111$814$588$421$115
28 years$1,424$1,047$756$539$380$97
29 years$1,360$987$704$494$343$83
30 years$1,301$932$656$454$310$70
31 years$1,245$882$611$417$280$60
32 years$1,193$834$570$383$253$51
33 years$1,144$790$533$352$229$43
34 years$1,099$749$498$324$208$37
35 years$1,055$710$465$298$188$31
36 years$1,015$674$435$275$170$27
37 years$977$640$407$253$154$23
38 years$940$608$381$233$140$19
39 years$906$578$357$215$127$17
40 years$874$550$335$198$115$14
41 years$843$524$314$183$104$12
42 years$814$499$295$169$95$10
43 years$786$475$276$156$86$9
44 years$759$453$260$144$78$7
45 years$734$432$244$133$71$6
46 years$710$412$229$123$64$5
47 years$687$393$215$113$58$5
48 years$665$376$202$105$53$4
49 years$644$359$190$97$48$3
50 years$624$343$179$90$44$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $639,000, adding $5,512 every year, while hoping to spend $48,569 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: 45/47/8 Blend
51$639,000$639,000$639,000$639,000
52$709,864$675,997$666,092$739,973
53$730,593$657,443$636,729$742,786
54$751,808$636,353$604,755$740,381
55$773,509$612,551$570,030$736,656
56$795,691$585,850$532,410$731,506
57$818,349$556,054$491,743$724,817
58$841,475$522,955$447,871$716,471
59$865,059$486,334$400,629$706,341
60$889,088$445,957$349,843$694,292
61$913,546$401,579$295,333$680,179
62$938,411$352,941$236,911$663,849
63$963,662$299,767$174,380$645,138
64$989,268$241,769$107,534$623,873
65$1,015,196$178,638$36,160$599,869
66$1,041,407$110,053$0$572,927
67$1,067,856$35,670$0$546,253
68$1,094,489$0$0$519,724
69$1,121,247$0$0$513,238
70$1,148,061$0$0$525,187
71$1,174,851$0$0$537,083
72$1,201,529$0$0$548,878
73$1,227,994$0$0$560,523
74$1,254,132$0$0$571,959
75$1,279,814$0$0$583,120
76$1,304,894$0$0$593,934
77$1,329,211$0$0$604,318
78$1,352,581$0$0$614,180
79$1,374,801$0$0$623,417
80$1,395,640$0$0$631,914
81$1,414,845$0$0$639,542
82$1,432,130$0$0$646,157
83$1,447,176$0$0$651,602
84$1,459,629$0$0$655,697
85$1,469,095$0$0$658,245
86$1,475,135$0$0$659,026
87$1,477,261$0$0$657,797
88$1,474,932$0$0$654,286
89$1,467,544$0$0$648,193
90$1,454,432$0$0$639,184
91$1,434,854$0$0$626,891
92$1,407,989$0$0$610,902
93$1,372,928$0$0$590,764
94$1,328,662$0$0$565,976
95$1,274,075$0$0$535,979
96$1,207,932$0$0$500,160
97$1,128,866$0$0$457,837
98$1,035,363$0$0$408,257
99$925,750$0$0$350,587
100$798,177$0$0$283,906