Can I retire at age 52 with 643,000?

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 $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%19.9%
1 years$53,098$52,625$52,164$51,714$51,274$49,239
2 years$26,286$25,797$25,322$24,862$24,416$22,392
3 years$17,350$16,858$16,385$15,929$15,491$13,540
4 years$12,883$12,393$11,924$11,476$11,048$9,186
5 years$10,203$9,716$9,254$8,815$8,399$6,630
6 years$8,417$7,934$7,478$7,049$6,645$4,971
7 years$7,142$6,663$6,215$5,796$5,405$3,824
8 years$6,186$5,711$5,270$4,862$4,484$2,995
9 years$5,443$4,973$4,539$4,141$3,776$2,378
10 years$4,849$4,383$3,958$3,570$3,217$1,906
11 years$4,364$3,902$3,484$3,107$2,767$1,540
12 years$3,959$3,502$3,092$2,725$2,398$1,252
13 years$3,617$3,165$2,763$2,406$2,091$1,022
14 years$3,324$2,877$2,482$2,136$1,833$838
15 years$3,070$2,628$2,241$1,905$1,614$689
16 years$2,849$2,411$2,032$1,705$1,426$568
17 years$2,653$2,221$1,849$1,532$1,265$469
18 years$2,480$2,052$1,688$1,381$1,124$388
19 years$2,325$1,902$1,545$1,248$1,002$322
20 years$2,185$1,767$1,418$1,130$895$267
21 years$2,059$1,646$1,304$1,026$801$222
22 years$1,945$1,537$1,202$933$718$184
23 years$1,841$1,437$1,110$849$645$153
24 years$1,745$1,347$1,027$775$579$127
25 years$1,658$1,264$951$707$521$106
26 years$1,577$1,188$882$647$470$88
27 years$1,502$1,118$819$592$423$74
28 years$1,433$1,053$761$542$382$61
29 years$1,369$994$708$497$345$51
30 years$1,309$938$660$456$312$43
31 years$1,253$887$615$419$282$35
32 years$1,201$839$574$385$255$30
33 years$1,152$795$536$354$231$25
34 years$1,105$753$501$326$209$21
35 years$1,062$715$468$300$189$17
36 years$1,021$678$438$276$171$14
37 years$983$644$410$255$155$12
38 years$946$612$384$235$141$10
39 years$912$582$360$216$128$8
40 years$879$554$337$200$116$7
41 years$848$527$316$184$105$6
42 years$819$502$296$170$95$5
43 years$791$478$278$157$87$4
44 years$764$456$261$145$79$3
45 years$739$435$245$134$71$3
46 years$714$415$230$124$65$2
47 years$691$396$216$114$59$2
48 years$669$378$203$106$53$2
49 years$648$361$191$98$49$1
50 years$628$345$180$90$44$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $643,000, adding $5,325 every year, while hoping to spend $29,912 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: 61/17/22 Blend
51$643,000$643,000$643,000$643,000
52$714,079$680,000$670,033$753,200
53$755,089$681,494$660,653$781,809
54$799,279$682,058$649,956$809,261
55$846,943$681,616$637,867$838,555
56$898,401$680,086$624,306$869,873
57$954,009$677,380$609,191$903,420
58$1,014,153$673,407$592,434$939,420
59$1,079,261$668,069$573,945$978,123
60$1,149,803$661,262$553,630$1,019,803
61$1,226,294$652,875$531,388$1,064,767
62$1,309,303$642,792$507,116$1,113,350
63$1,399,453$630,891$480,706$1,165,927
64$1,497,432$617,038$452,043$1,222,909
65$1,603,994$601,098$421,011$1,284,754
66$1,719,971$582,921$387,485$1,351,965
67$1,846,277$562,353$351,335$1,425,100
68$1,983,919$539,230$312,426$1,504,776
69$2,134,004$513,378$270,618$1,591,675
70$2,297,751$484,612$225,762$1,686,548
71$2,476,502$452,738$177,705$1,790,230
72$2,671,733$417,550$126,286$1,903,638
73$2,885,071$378,831$71,338$2,027,791
74$3,118,305$336,351$12,684$2,163,809
75$3,373,406$289,866$0$2,312,933
76$3,652,544$239,120$0$2,488,248
77$3,958,108$183,841$0$2,683,491
78$4,292,729$123,743$0$2,897,398
79$4,659,305$58,524$0$3,131,861
80$5,061,026$0$0$3,388,970
81$5,501,406$0$0$3,673,295
82$5,984,316$0$0$3,997,134
83$6,514,019$0$0$4,352,403
84$7,095,209$0$0$4,742,257
85$7,733,059$0$0$5,170,173
86$8,433,264$0$0$5,639,979
87$9,202,101$0$0$6,155,892
88$10,046,481$0$0$6,722,558
89$10,974,020$0$0$7,345,095
90$11,993,106$0$0$8,029,141
91$13,112,981$0$0$8,780,908
92$14,343,824$0$0$9,607,238
93$15,696,854$0$0$10,515,670
94$17,184,426$0$0$11,514,510
95$18,820,155$0$0$12,612,907
96$20,619,040$0$0$13,820,945
97$22,597,608$0$0$15,149,731
98$24,774,065$0$0$16,611,503
99$27,168,473$0$0$18,219,745
100$29,802,935$0$0$19,989,314