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%16.7%
1 years$52,933$52,462$52,002$51,553$51,114$49,717
2 years$26,205$25,717$25,244$24,785$24,340$22,943
3 years$17,296$16,806$16,334$15,880$15,442$14,089
4 years$12,843$12,354$11,887$11,441$11,014$9,714
5 years$10,172$9,686$9,225$8,787$8,372$7,130
6 years$8,391$7,909$7,455$7,027$6,625$5,441
7 years$7,120$6,642$6,195$5,778$5,388$4,263
8 years$6,167$5,694$5,254$4,847$4,470$3,403
9 years$5,426$4,957$4,525$4,128$3,764$2,754
10 years$4,834$4,370$3,945$3,559$3,207$2,253
11 years$4,350$3,890$3,473$3,097$2,758$1,859
12 years$3,947$3,491$3,083$2,717$2,390$1,543
13 years$3,606$3,155$2,754$2,398$2,084$1,288
14 years$3,314$2,868$2,474$2,129$1,827$1,080
15 years$3,061$2,620$2,234$1,899$1,609$908
16 years$2,840$2,404$2,026$1,700$1,422$766
17 years$2,645$2,214$1,843$1,527$1,261$648
18 years$2,472$2,046$1,683$1,377$1,121$549
19 years$2,318$1,896$1,540$1,244$999$466
20 years$2,179$1,762$1,414$1,127$892$396
21 years$2,053$1,641$1,300$1,022$799$337
22 years$1,939$1,532$1,198$930$716$287
23 years$1,835$1,433$1,107$847$643$245
24 years$1,740$1,342$1,023$772$578$209
25 years$1,653$1,260$948$705$520$179
26 years$1,572$1,184$879$645$468$153
27 years$1,498$1,114$816$590$422$130
28 years$1,429$1,050$759$541$381$111
29 years$1,365$990$706$496$344$95
30 years$1,305$935$658$455$311$82
31 years$1,249$884$613$418$281$70
32 years$1,197$837$572$384$254$60
33 years$1,148$792$534$353$230$51
34 years$1,102$751$499$325$208$44
35 years$1,059$712$467$299$189$37
36 years$1,018$676$437$276$171$32
37 years$980$642$409$254$155$27
38 years$943$610$383$234$140$24
39 years$909$580$358$216$127$20
40 years$876$552$336$199$115$17
41 years$845$526$315$184$105$15
42 years$816$500$296$169$95$13
43 years$788$477$277$156$86$11
44 years$762$455$260$144$78$9
45 years$736$433$244$133$71$8
46 years$712$414$230$123$65$7
47 years$689$395$216$114$59$6
48 years$667$377$203$105$53$5
49 years$646$360$191$97$48$4
50 years$626$344$179$90$44$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $641,000, adding $5,583 every year, while hoping to spend $51,959 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: 39/38/23 Blend
51$641,000$641,000$641,000$641,000
52$712,141$678,168$668,232$734,857
53$729,495$656,114$635,334$729,739
54$746,878$631,238$599,592$718,913
55$764,238$603,347$560,857$706,168
56$781,516$572,237$518,971$691,358
57$798,645$537,690$473,771$674,331
58$815,549$499,480$425,085$654,922
59$832,144$457,364$372,734$632,956
60$848,335$411,086$316,532$608,246
61$864,013$360,377$256,284$580,592
62$879,058$304,951$191,786$549,781
63$893,336$244,508$122,824$515,583
64$906,695$178,728$49,178$477,754
65$918,968$107,275$0$436,033
66$929,965$29,795$0$397,360
67$939,479$0$0$367,564
68$947,274$0$0$356,922
69$953,092$0$0$357,841
70$956,642$0$0$357,736
71$957,604$0$0$356,467
72$955,622$0$0$353,880
73$950,297$0$0$349,801
74$941,192$0$0$344,041
75$927,817$0$0$336,389
76$909,633$0$0$326,609
77$886,040$0$0$314,443
78$856,375$0$0$299,603
79$819,903$0$0$281,772
80$775,810$0$0$260,598
81$723,197$0$0$235,691
82$661,067$0$0$206,623
83$588,319$0$0$172,916
84$503,735$0$0$134,046
85$405,969$0$0$89,431
86$293,532$0$0$38,429
87$164,781$0$0$0
88$17,899$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0