Can I retire at age 52 with 644,000?

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 $644,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$53,181$52,707$52,245$51,794$51,353$50,214
2 years$26,327$25,837$25,362$24,901$24,454$23,312
3 years$17,377$16,885$16,411$15,954$15,515$14,406
4 years$12,903$12,412$11,943$11,494$11,065$9,998
5 years$10,219$9,731$9,268$8,829$8,412$7,389
6 years$8,431$7,946$7,490$7,060$6,656$5,679
7 years$7,153$6,673$6,224$5,805$5,413$4,482
8 years$6,196$5,720$5,279$4,869$4,491$3,605
9 years$5,452$4,980$4,546$4,148$3,782$2,941
10 years$4,857$4,390$3,964$3,575$3,222$2,425
11 years$4,370$3,908$3,490$3,112$2,771$2,017
12 years$3,965$3,508$3,097$2,729$2,401$1,689
13 years$3,623$3,170$2,767$2,410$2,094$1,422
14 years$3,329$2,881$2,486$2,139$1,836$1,203
15 years$3,075$2,632$2,245$1,908$1,616$1,021
16 years$2,853$2,415$2,035$1,708$1,428$870
17 years$2,657$2,224$1,852$1,535$1,267$742
18 years$2,484$2,055$1,690$1,383$1,126$635
19 years$2,328$1,905$1,548$1,250$1,004$544
20 years$2,189$1,770$1,420$1,132$897$467
21 years$2,063$1,649$1,306$1,027$802$402
22 years$1,948$1,539$1,204$934$719$346
23 years$1,844$1,439$1,112$851$646$298
24 years$1,748$1,349$1,028$776$580$257
25 years$1,660$1,266$952$708$522$222
26 years$1,579$1,189$883$648$470$191
27 years$1,505$1,119$820$593$424$165
28 years$1,435$1,055$762$543$383$143
29 years$1,371$995$709$498$346$123
30 years$1,311$940$661$457$312$107
31 years$1,255$888$616$420$282$92
32 years$1,202$841$575$386$255$80
33 years$1,153$796$537$355$231$69
34 years$1,107$754$501$327$209$60
35 years$1,064$716$469$301$189$52
36 years$1,023$679$439$277$172$45
37 years$984$645$411$255$156$39
38 years$948$613$384$235$141$34
39 years$913$583$360$217$128$29
40 years$880$555$338$200$116$25
41 years$849$528$317$184$105$22
42 years$820$503$297$170$96$19
43 years$792$479$279$157$87$16
44 years$765$457$262$145$79$14
45 years$740$435$246$134$71$12
46 years$715$415$231$124$65$11
47 years$692$396$217$114$59$9
48 years$670$378$204$106$53$8
49 years$649$361$191$98$49$7
50 years$629$345$180$90$44$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $644,000, adding $3,865 every year, while hoping to spend $44,252 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: 49/21/30 Blend
51$644,000$644,000$644,000$644,000
52$713,675$679,543$669,561$742,384
53$739,386$665,757$644,907$749,177
54$766,236$649,812$617,945$751,908
55$794,296$631,556$588,549$754,032
56$823,639$610,827$556,591$755,512
57$854,347$587,455$521,934$756,315
58$886,509$561,259$484,437$756,403
59$920,220$532,047$443,952$755,740
60$955,582$499,617$400,324$754,290
61$992,709$463,756$353,393$752,016
62$1,031,721$424,236$302,988$748,882
63$1,072,753$380,819$248,934$744,852
64$1,115,947$333,253$191,046$739,892
65$1,161,461$281,269$129,133$733,968
66$1,209,465$224,587$62,995$727,048
67$1,260,146$162,907$0$719,102
68$1,313,707$95,916$0$712,531
69$1,370,370$23,280$0$726,561
70$1,430,376$0$0$741,057
71$1,493,990$0$0$768,872
72$1,561,500$0$0$804,134
73$1,633,223$0$0$841,633
74$1,709,504$0$0$881,555
75$1,790,721$0$0$924,102
76$1,877,288$0$0$969,496
77$1,969,658$0$0$1,017,982
78$2,068,327$0$0$1,069,825
79$2,173,840$0$0$1,125,318
80$2,286,794$0$0$1,184,783
81$2,407,843$0$0$1,248,571
82$2,537,704$0$0$1,317,067
83$2,677,165$0$0$1,390,696
84$2,827,091$0$0$1,469,923
85$2,988,430$0$0$1,555,259
86$3,162,224$0$0$1,647,263
87$3,349,618$0$0$1,746,554
88$3,551,869$0$0$1,853,807
89$3,770,358$0$0$1,969,766
90$4,006,603$0$0$2,095,250
91$4,262,273$0$0$2,231,157
92$4,539,201$0$0$2,378,476
93$4,839,405$0$0$2,538,293
94$5,165,101$0$0$2,711,804
95$5,518,729$0$0$2,900,322
96$5,902,971$0$0$3,105,295
97$6,320,777$0$0$3,328,313
98$6,775,394$0$0$3,571,127
99$7,270,394$0$0$3,835,662
100$7,809,707$0$0$4,124,039