Can I retire at age 52 with 642,000?

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 $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%18.6%
1 years$53,016$52,544$52,083$51,633$51,194$49,417
2 years$26,245$25,757$25,283$24,824$24,378$22,606
3 years$17,323$16,832$16,360$15,905$15,466$13,755
4 years$12,863$12,373$11,906$11,458$11,031$9,393
5 years$10,187$9,701$9,239$8,801$8,385$6,826
6 years$8,404$7,922$7,467$7,038$6,635$5,155
7 years$7,131$6,653$6,205$5,787$5,396$3,995
8 years$6,177$5,702$5,262$4,854$4,477$3,154
9 years$5,435$4,965$4,532$4,135$3,770$2,523
10 years$4,842$4,376$3,951$3,564$3,212$2,040
11 years$4,357$3,896$3,479$3,102$2,763$1,662
12 years$3,953$3,497$3,087$2,721$2,394$1,363
13 years$3,611$3,160$2,758$2,402$2,088$1,123
14 years$3,319$2,873$2,478$2,132$1,830$929
15 years$3,066$2,624$2,238$1,902$1,611$771
16 years$2,844$2,408$2,029$1,703$1,424$642
17 years$2,649$2,217$1,846$1,530$1,263$535
18 years$2,476$2,049$1,685$1,379$1,123$447
19 years$2,321$1,899$1,543$1,246$1,001$374
20 years$2,182$1,765$1,416$1,128$894$314
21 years$2,056$1,644$1,302$1,024$800$263
22 years$1,942$1,534$1,200$931$717$221
23 years$1,838$1,435$1,108$848$644$185
24 years$1,743$1,344$1,025$773$578$156
25 years$1,655$1,262$949$706$521$131
26 years$1,575$1,186$880$646$469$110
27 years$1,500$1,116$818$591$423$93
28 years$1,431$1,052$760$542$381$78
29 years$1,367$992$707$497$344$66
30 years$1,307$937$659$456$311$55
31 years$1,251$886$614$419$281$47
32 years$1,199$838$573$385$255$39
33 years$1,150$794$535$354$230$33
34 years$1,104$752$500$326$209$28
35 years$1,060$713$467$300$189$24
36 years$1,020$677$437$276$171$20
37 years$981$643$409$254$155$17
38 years$945$611$383$234$141$14
39 years$910$581$359$216$128$12
40 years$878$553$337$199$116$10
41 years$847$526$316$184$105$8
42 years$817$501$296$170$95$7
43 years$789$478$278$157$86$6
44 years$763$455$261$145$78$5
45 years$737$434$245$134$71$4
46 years$713$414$230$123$65$4
47 years$690$395$216$114$59$3
48 years$668$377$203$105$53$3
49 years$647$360$191$97$48$2
50 years$627$344$179$90$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $642,000, adding $2,014 every year, while hoping to spend $33,271 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: 50/33/17 Blend
51$642,000$642,000$642,000$642,000
52$709,561$675,535$665,584$741,607
53$746,537$673,237$652,481$761,613
54$786,168$669,710$637,824$779,735
55$828,692$664,860$621,526$798,707
56$874,367$658,587$603,495$818,621
57$923,476$650,782$583,637$839,579
58$976,333$641,332$561,850$861,696
59$1,033,278$630,117$538,032$885,101
60$1,094,689$617,009$512,073$909,937
61$1,160,979$601,874$483,858$936,367
62$1,232,601$584,568$453,270$964,570
63$1,310,054$564,939$420,182$994,746
64$1,393,887$542,829$384,465$1,027,119
65$1,484,702$518,066$345,984$1,061,940
66$1,583,162$490,472$304,595$1,099,485
67$1,689,997$459,857$260,151$1,140,066
68$1,806,007$426,021$212,497$1,184,028
69$1,932,075$388,751$161,471$1,231,754
70$2,069,170$347,823$106,903$1,283,671
71$2,218,360$303,001$48,619$1,340,256
72$2,380,818$254,033$0$1,402,036
73$2,557,837$200,656$0$1,472,061
74$2,750,838$142,590$0$1,558,090
75$2,961,386$79,540$0$1,652,056
76$3,191,205$11,195$0$1,754,800
77$3,442,189$0$0$1,867,252
78$3,716,426$0$0$2,013,238
79$4,016,214$0$0$2,177,334
80$4,344,083$0$0$2,356,868
81$4,702,818$0$0$2,553,375
82$5,095,487$0$0$2,768,542
83$5,525,467$0$0$3,004,230
84$5,996,477$0$0$3,262,487
85$6,512,614$0$0$3,545,569
86$7,078,389$0$0$3,855,961
87$7,698,770$0$0$4,196,397
88$8,379,228$0$0$4,569,892
89$9,125,792$0$0$4,979,766
90$9,945,099$0$0$5,429,676
91$10,844,463$0$0$5,923,648
92$11,831,938$0$0$6,466,120
93$12,916,398$0$0$7,061,979
94$14,107,617$0$0$7,716,609
95$15,416,364$0$0$8,435,943
96$16,854,501$0$0$9,226,515
97$18,435,096$0$0$10,095,522
98$20,172,547$0$0$11,050,898
99$22,082,715$0$0$12,101,380
100$24,183,077$0$0$13,256,594