Can I retire at age 52 with 641,000?

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 $641,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$52,933$52,462$52,002$51,553$51,114$49,222
2 years$26,205$25,717$25,244$24,785$24,340$22,455
3 years$17,296$16,806$16,334$15,880$15,442$13,624
4 years$12,843$12,354$11,887$11,441$11,014$9,276
5 years$10,172$9,686$9,225$8,787$8,372$6,719
6 years$8,391$7,909$7,455$7,027$6,625$5,058
7 years$7,120$6,642$6,195$5,778$5,388$3,906
8 years$6,167$5,694$5,254$4,847$4,470$3,073
9 years$5,426$4,957$4,525$4,128$3,764$2,449
10 years$4,834$4,370$3,945$3,559$3,207$1,973
11 years$4,350$3,890$3,473$3,097$2,758$1,601
12 years$3,947$3,491$3,083$2,717$2,390$1,307
13 years$3,606$3,155$2,754$2,398$2,084$1,073
14 years$3,314$2,868$2,474$2,129$1,827$884
15 years$3,061$2,620$2,234$1,899$1,609$731
16 years$2,840$2,404$2,026$1,700$1,422$605
17 years$2,645$2,214$1,843$1,527$1,261$503
18 years$2,472$2,046$1,683$1,377$1,121$418
19 years$2,318$1,896$1,540$1,244$999$348
20 years$2,179$1,762$1,414$1,127$892$290
21 years$2,053$1,641$1,300$1,022$799$242
22 years$1,939$1,532$1,198$930$716$203
23 years$1,835$1,433$1,107$847$643$169
24 years$1,740$1,342$1,023$772$578$142
25 years$1,653$1,260$948$705$520$119
26 years$1,572$1,184$879$645$468$99
27 years$1,498$1,114$816$590$422$83
28 years$1,429$1,050$759$541$381$70
29 years$1,365$990$706$496$344$58
30 years$1,305$935$658$455$311$49
31 years$1,249$884$613$418$281$41
32 years$1,197$837$572$384$254$34
33 years$1,148$792$534$353$230$29
34 years$1,102$751$499$325$208$24
35 years$1,059$712$467$299$189$20
36 years$1,018$676$437$276$171$17
37 years$980$642$409$254$155$14
38 years$943$610$383$234$140$12
39 years$909$580$358$216$127$10
40 years$876$552$336$199$115$8
41 years$845$526$315$184$105$7
42 years$816$500$296$169$95$6
43 years$788$477$277$156$86$5
44 years$762$455$260$144$78$4
45 years$736$433$244$133$71$3
46 years$712$414$230$123$65$3
47 years$689$395$216$114$59$2
48 years$667$377$203$105$53$2
49 years$646$360$191$97$48$2
50 years$626$344$179$90$44$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $641,000, adding $4,097 every year, while hoping to spend $42,334 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: 79/8/13 Blend
51$641,000$641,000$641,000$641,000
52$710,608$676,635$666,700$764,623
53$738,047$664,747$643,991$788,840
54$766,866$650,858$619,103$809,546
55$797,161$634,824$591,917$831,052
56$829,036$616,496$562,311$853,420
57$862,605$595,712$530,156$876,719
58$897,993$572,303$495,318$901,024
59$935,332$546,090$457,656$926,419
60$974,772$516,884$417,023$952,996
61$1,016,471$484,484$373,266$980,857
62$1,060,606$448,678$326,224$1,010,116
63$1,107,366$409,242$275,731$1,040,898
64$1,156,961$365,939$221,612$1,073,341
65$1,209,619$318,518$163,684$1,107,599
66$1,265,590$266,715$101,757$1,143,841
67$1,325,146$210,250$35,632$1,182,255
68$1,388,586$148,828$0$1,223,049
69$1,456,239$82,137$0$1,271,299
70$1,528,461$9,847$0$1,328,002
71$1,605,646$0$0$1,388,522
72$1,688,224$0$0$1,459,226
73$1,776,668$0$0$1,535,892
74$1,871,494$0$0$1,618,104
75$1,973,272$0$0$1,706,358
76$2,082,623$0$0$1,801,194
77$2,200,233$0$0$1,903,208
78$2,326,853$0$0$2,013,053
79$2,463,306$0$0$2,131,449
80$2,610,500$0$0$2,259,181
81$2,769,430$0$0$2,397,118
82$2,941,190$0$0$2,546,211
83$3,126,981$0$0$2,707,506
84$3,328,125$0$0$2,882,152
85$3,546,075$0$0$3,071,415
86$3,782,428$0$0$3,276,684
87$4,038,941$0$0$3,499,488
88$4,317,545$0$0$3,741,508
89$4,620,366$0$0$4,004,594
90$4,949,741$0$0$4,290,780
91$5,308,242$0$0$4,602,306
92$5,698,700$0$0$4,941,634
93$6,124,229$0$0$5,311,475
94$6,588,255$0$0$5,714,813
95$7,094,552$0$0$6,154,930
96$7,647,272$0$0$6,635,441
97$8,250,985$0$0$7,160,325
98$8,910,723$0$0$7,733,960
99$9,632,025$0$0$8,361,171
100$10,420,992$0$0$9,047,264