Can I retire at age 52 with 642,000?

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 $642,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$53,016$52,544$52,083$51,633$51,194$49,635
2 years$26,245$25,757$25,283$24,824$24,378$22,821
3 years$17,323$16,832$16,360$15,905$15,466$13,960
4 years$12,863$12,373$11,906$11,458$11,031$9,586
5 years$10,187$9,701$9,239$8,801$8,385$7,007
6 years$8,404$7,922$7,467$7,038$6,635$5,324
7 years$7,131$6,653$6,205$5,787$5,396$4,152
8 years$6,177$5,702$5,262$4,854$4,477$3,299
9 years$5,435$4,965$4,532$4,135$3,770$2,657
10 years$4,842$4,376$3,951$3,564$3,212$2,163
11 years$4,357$3,896$3,479$3,102$2,763$1,775
12 years$3,953$3,497$3,087$2,721$2,394$1,466
13 years$3,611$3,160$2,758$2,402$2,088$1,217
14 years$3,319$2,873$2,478$2,132$1,830$1,015
15 years$3,066$2,624$2,238$1,902$1,611$849
16 years$2,844$2,408$2,029$1,703$1,424$712
17 years$2,649$2,217$1,846$1,530$1,263$599
18 years$2,476$2,049$1,685$1,379$1,123$504
19 years$2,321$1,899$1,543$1,246$1,001$425
20 years$2,182$1,765$1,416$1,128$894$359
21 years$2,056$1,644$1,302$1,024$800$304
22 years$1,942$1,534$1,200$931$717$257
23 years$1,838$1,435$1,108$848$644$218
24 years$1,743$1,344$1,025$773$578$185
25 years$1,655$1,262$949$706$521$157
26 years$1,575$1,186$880$646$469$133
27 years$1,500$1,116$818$591$423$113
28 years$1,431$1,052$760$542$381$96
29 years$1,367$992$707$497$344$82
30 years$1,307$937$659$456$311$69
31 years$1,251$886$614$419$281$59
32 years$1,199$838$573$385$255$50
33 years$1,150$794$535$354$230$43
34 years$1,104$752$500$326$209$36
35 years$1,060$713$467$300$189$31
36 years$1,020$677$437$276$171$26
37 years$981$643$409$254$155$22
38 years$945$611$383$234$141$19
39 years$910$581$359$216$128$16
40 years$878$553$337$199$116$14
41 years$847$526$316$184$105$12
42 years$817$501$296$170$95$10
43 years$789$478$278$157$86$8
44 years$763$455$261$145$78$7
45 years$737$434$245$134$71$6
46 years$713$414$230$123$65$5
47 years$690$395$216$114$59$4
48 years$668$377$203$105$53$4
49 years$647$360$191$97$48$3
50 years$627$344$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 $642,000, adding $6,675 every year, while hoping to spend $21,458 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: 50/23/27 Blend
51$642,000$642,000$642,000$642,000
52$714,369$680,343$670,392$744,342
53$764,404$690,849$670,019$776,461
54$818,823$701,150$668,915$808,675
55$878,050$711,214$667,031$843,265
56$942,554$721,007$664,319$880,467
57$1,012,848$730,489$660,727$920,540
58$1,089,498$739,622$656,201$963,773
59$1,173,126$748,363$650,683$1,010,481
60$1,264,418$756,666$644,114$1,061,015
61$1,364,128$764,482$636,431$1,115,761
62$1,473,087$771,760$627,569$1,175,146
63$1,592,209$778,443$617,460$1,239,641
64$1,722,500$784,473$606,031$1,309,768
65$1,865,070$789,787$593,208$1,386,100
66$2,021,138$794,318$578,912$1,469,272
67$2,192,050$797,994$563,061$1,559,984
68$2,379,284$800,741$545,568$1,659,011
69$2,584,470$802,477$526,344$1,767,205
70$2,809,404$803,117$505,295$1,885,508
71$3,056,064$802,569$482,322$2,014,962
72$3,326,625$800,738$457,323$2,156,713
73$3,623,488$797,521$430,190$2,312,030
74$3,949,293$792,809$400,811$2,482,308
75$4,306,950$786,487$369,068$2,669,093
76$4,699,666$778,431$334,839$2,874,086
77$5,130,972$768,514$297,995$3,099,166
78$5,604,756$756,597$258,404$3,346,406
79$6,125,305$742,534$215,924$3,618,094
80$6,697,340$726,171$170,410$3,916,751
81$7,326,060$707,345$121,711$4,245,163
82$8,017,196$685,883$69,666$4,606,400
83$8,777,059$661,601$14,109$5,003,850
84$9,612,606$634,305$0$5,441,249
85$10,531,497$603,792$0$5,935,737
86$11,542,175$569,843$0$6,484,026
87$12,653,940$532,229$0$7,087,118
88$13,877,042$490,707$0$7,750,600
89$15,222,770$445,022$0$8,480,632
90$16,703,566$394,901$0$9,284,001
91$18,333,137$340,059$0$10,168,193
92$20,126,588$280,193$0$11,141,455
93$22,100,560$214,982$0$12,212,879
94$24,273,390$144,090$0$13,392,488
95$26,665,285$67,159$0$14,691,328
96$29,298,506$0$0$16,121,574
97$32,197,588$0$0$17,700,745
98$35,389,560$0$0$19,458,258
99$38,904,210$0$0$21,393,527
100$42,774,360$0$0$23,524,634