Can I retire at age 52 with 643,000?

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 $643,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$53,098$52,625$52,164$51,714$51,274$49,474
2 years$26,286$25,797$25,322$24,862$24,416$22,622
3 years$17,350$16,858$16,385$15,929$15,491$13,758
4 years$12,883$12,393$11,924$11,476$11,048$9,391
5 years$10,203$9,716$9,254$8,815$8,399$6,821
6 years$8,417$7,934$7,478$7,049$6,645$5,148
7 years$7,142$6,663$6,215$5,796$5,405$3,988
8 years$6,186$5,711$5,270$4,862$4,484$3,146
9 years$5,443$4,973$4,539$4,141$3,776$2,515
10 years$4,849$4,383$3,958$3,570$3,217$2,032
11 years$4,364$3,902$3,484$3,107$2,767$1,655
12 years$3,959$3,502$3,092$2,725$2,398$1,356
13 years$3,617$3,165$2,763$2,406$2,091$1,116
14 years$3,324$2,877$2,482$2,136$1,833$923
15 years$3,070$2,628$2,241$1,905$1,614$766
16 years$2,849$2,411$2,032$1,705$1,426$637
17 years$2,653$2,221$1,849$1,532$1,265$531
18 years$2,480$2,052$1,688$1,381$1,124$443
19 years$2,325$1,902$1,545$1,248$1,002$370
20 years$2,185$1,767$1,418$1,130$895$310
21 years$2,059$1,646$1,304$1,026$801$260
22 years$1,945$1,537$1,202$933$718$218
23 years$1,841$1,437$1,110$849$645$183
24 years$1,745$1,347$1,027$775$579$154
25 years$1,658$1,264$951$707$521$129
26 years$1,577$1,188$882$647$470$109
27 years$1,502$1,118$819$592$423$91
28 years$1,433$1,053$761$542$382$77
29 years$1,369$994$708$497$345$65
30 years$1,309$938$660$456$312$54
31 years$1,253$887$615$419$282$46
32 years$1,201$839$574$385$255$39
33 years$1,152$795$536$354$231$32
34 years$1,105$753$501$326$209$27
35 years$1,062$715$468$300$189$23
36 years$1,021$678$438$276$171$19
37 years$983$644$410$255$155$16
38 years$946$612$384$235$141$14
39 years$912$582$360$216$128$12
40 years$879$554$337$200$116$10
41 years$848$527$316$184$105$8
42 years$819$502$296$170$95$7
43 years$791$478$278$157$87$6
44 years$764$456$261$145$79$5
45 years$739$435$245$134$71$4
46 years$714$415$230$124$65$3
47 years$691$396$216$114$59$3
48 years$669$378$203$106$53$2
49 years$648$361$191$98$49$2
50 years$628$345$180$90$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $643,000, adding $3,978 every year, while hoping to spend $36,317 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: 27/43/30 Blend
51$643,000$643,000$643,000$643,000
52$712,689$678,610$668,644$725,227
53$746,743$673,221$652,402$730,400
54$783,052$666,351$634,400$732,594
55$821,810$657,888$614,538$734,224
56$863,226$647,716$592,717$735,269
57$907,530$635,709$568,828$735,707
58$954,975$621,737$542,761$735,520
59$1,005,839$605,658$514,399$734,691
60$1,060,424$587,325$483,622$733,206
61$1,119,065$566,581$450,300$731,055
62$1,182,127$543,261$414,303$728,230
63$1,250,013$517,189$375,491$724,729
64$1,323,162$488,180$333,718$720,555
65$1,402,062$456,038$288,835$715,716
66$1,487,243$420,554$240,681$710,229
67$1,579,290$381,511$189,093$704,117
68$1,678,848$338,675$133,898$697,415
69$1,786,622$291,801$74,915$690,165
70$1,903,390$240,632$11,957$682,424
71$2,030,006$184,894$0$674,263
72$2,167,410$124,296$0$683,447
73$2,316,635$58,536$0$697,633
74$2,478,817$0$0$713,183
75$2,655,208$0$0$736,328
76$2,847,182$0$0$791,757
77$3,056,253$0$0$852,219
78$3,284,088$0$0$918,209
79$3,532,519$0$0$990,270
80$3,803,563$0$0$1,069,002
81$4,099,442$0$0$1,155,062
82$4,422,600$0$0$1,249,177
83$4,775,728$0$0$1,352,145
84$5,161,788$0$0$1,464,845
85$5,584,044$0$0$1,588,247
86$6,046,085$0$0$1,723,416
87$6,551,868$0$0$1,871,527
88$7,105,746$0$0$2,033,874
89$7,712,517$0$0$2,211,881
90$8,377,460$0$0$2,407,116
91$9,106,393$0$0$2,621,309
92$9,905,721$0$0$2,856,363
93$10,782,501$0$0$3,114,374
94$11,744,504$0$0$3,397,652
95$12,800,291$0$0$3,708,742
96$13,959,289$0$0$4,050,445
97$15,231,887$0$0$4,425,849
98$16,629,526$0$0$4,838,355
99$18,164,809$0$0$5,291,711
100$19,851,621$0$0$5,790,045