Can I retire at age 52 with 644,000?

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 $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%11.4%
1 years$53,181$52,707$52,245$51,794$51,353$51,051
2 years$26,327$25,837$25,362$24,901$24,454$24,149
3 years$17,377$16,885$16,411$15,954$15,515$15,216
4 years$12,903$12,412$11,943$11,494$11,065$10,776
5 years$10,219$9,731$9,268$8,829$8,412$8,132
6 years$8,431$7,946$7,490$7,060$6,656$6,387
7 years$7,153$6,673$6,224$5,805$5,413$5,154
8 years$6,196$5,720$5,279$4,869$4,491$4,242
9 years$5,452$4,980$4,546$4,148$3,782$3,544
10 years$4,857$4,390$3,964$3,575$3,222$2,995
11 years$4,370$3,908$3,490$3,112$2,771$2,554
12 years$3,965$3,508$3,097$2,729$2,401$2,194
13 years$3,623$3,170$2,767$2,410$2,094$1,896
14 years$3,329$2,881$2,486$2,139$1,836$1,647
15 years$3,075$2,632$2,245$1,908$1,616$1,437
16 years$2,853$2,415$2,035$1,708$1,428$1,258
17 years$2,657$2,224$1,852$1,535$1,267$1,105
18 years$2,484$2,055$1,690$1,383$1,126$973
19 years$2,328$1,905$1,548$1,250$1,004$859
20 years$2,189$1,770$1,420$1,132$897$759
21 years$2,063$1,649$1,306$1,027$802$673
22 years$1,948$1,539$1,204$934$719$597
23 years$1,844$1,439$1,112$851$646$530
24 years$1,748$1,349$1,028$776$580$472
25 years$1,660$1,266$952$708$522$420
26 years$1,579$1,189$883$648$470$374
27 years$1,505$1,119$820$593$424$334
28 years$1,435$1,055$762$543$383$298
29 years$1,371$995$709$498$346$266
30 years$1,311$940$661$457$312$238
31 years$1,255$888$616$420$282$212
32 years$1,202$841$575$386$255$190
33 years$1,153$796$537$355$231$170
34 years$1,107$754$501$327$209$152
35 years$1,064$716$469$301$189$136
36 years$1,023$679$439$277$172$122
37 years$984$645$411$255$156$109
38 years$948$613$384$235$141$98
39 years$913$583$360$217$128$88
40 years$880$555$338$200$116$79
41 years$849$528$317$184$105$70
42 years$820$503$297$170$96$63
43 years$792$479$279$157$87$57
44 years$765$457$262$145$79$51
45 years$740$435$246$134$71$46
46 years$715$415$231$124$65$41
47 years$692$396$217$114$59$37
48 years$670$378$204$106$53$33
49 years$649$361$191$98$49$29
50 years$629$345$180$90$44$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $644,000, adding $2,773 every year, while hoping to spend $45,928 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: 70/24/6 Blend
51$644,000$644,000$644,000$644,000
52$712,548$678,416$668,434$761,664
53$736,361$662,792$641,960$778,863
54$761,064$644,862$613,059$791,744
55$786,698$624,466$581,603$804,568
56$813,309$601,433$547,454$817,319
57$840,946$575,582$510,473$829,980
58$869,658$546,722$470,509$842,533
59$899,502$514,649$427,410$854,961
60$930,535$479,152$381,013$867,244
61$962,821$440,002$331,148$879,364
62$996,428$396,961$277,641$891,302
63$1,031,428$349,776$220,306$903,040
64$1,067,899$298,180$158,951$914,558
65$1,105,924$241,891$93,376$925,837
66$1,145,595$180,610$23,371$936,861
67$1,187,009$114,023$0$947,610
68$1,230,270$41,797$0$961,355
69$1,275,493$0$0$976,605
70$1,322,801$0$0$1,001,482
71$1,372,326$0$0$1,039,089
72$1,424,212$0$0$1,078,499
73$1,478,616$0$0$1,119,832
74$1,535,706$0$0$1,163,218
75$1,595,668$0$0$1,208,797
76$1,658,700$0$0$1,256,724
77$1,725,020$0$0$1,307,165
78$1,794,864$0$0$1,360,302
79$1,868,490$0$0$1,416,333
80$1,946,179$0$0$1,475,474
81$2,028,235$0$0$1,537,959
82$2,114,992$0$0$1,604,045
83$2,206,815$0$0$1,674,013
84$2,304,101$0$0$1,748,167
85$2,407,285$0$0$1,826,842
86$2,516,840$0$0$1,910,403
87$2,633,286$0$0$1,999,250
88$2,757,190$0$0$2,093,821
89$2,889,176$0$0$2,194,592
90$3,029,923$0$0$2,302,090
91$3,180,176$0$0$2,416,886
92$3,340,753$0$0$2,539,612
93$3,512,550$0$0$2,670,956
94$3,696,547$0$0$2,811,675
95$3,893,822$0$0$2,962,598
96$4,105,556$0$0$3,124,635
97$4,333,046$0$0$3,298,786
98$4,577,715$0$0$3,486,146
99$4,841,125$0$0$3,687,920
100$5,124,992$0$0$3,905,429