Can I retire at age 52 with 646,000?

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 $646,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$53,346$52,871$52,407$51,955$51,513$50,268
2 years$26,409$25,917$25,440$24,978$24,530$23,283
3 years$17,431$16,937$16,462$16,004$15,563$14,353
4 years$12,943$12,451$11,980$11,530$11,100$9,936
5 years$10,251$9,761$9,297$8,856$8,438$7,324
6 years$8,457$7,971$7,513$7,082$6,676$5,613
7 years$7,176$6,694$6,244$5,823$5,430$4,418
8 years$6,215$5,738$5,295$4,885$4,504$3,543
9 years$5,469$4,996$4,561$4,161$3,793$2,882
10 years$4,872$4,404$3,976$3,586$3,232$2,369
11 years$4,384$3,920$3,500$3,121$2,780$1,964
12 years$3,977$3,519$3,107$2,738$2,409$1,640
13 years$3,634$3,180$2,775$2,417$2,101$1,376
14 years$3,340$2,890$2,494$2,146$1,841$1,160
15 years$3,085$2,640$2,252$1,913$1,621$981
16 years$2,862$2,423$2,041$1,713$1,433$832
17 years$2,666$2,231$1,858$1,539$1,271$708
18 years$2,491$2,062$1,696$1,387$1,130$604
19 years$2,336$1,911$1,552$1,254$1,007$516
20 years$2,196$1,775$1,425$1,135$899$441
21 years$2,069$1,654$1,310$1,030$805$378
22 years$1,954$1,544$1,208$937$721$324
23 years$1,849$1,444$1,115$853$648$278
24 years$1,754$1,353$1,031$778$582$238
25 years$1,665$1,270$955$711$524$205
26 years$1,584$1,193$886$650$472$176
27 years$1,509$1,123$823$595$425$152
28 years$1,440$1,058$765$545$384$130
29 years$1,375$998$712$500$347$112
30 years$1,315$943$663$459$313$97
31 years$1,259$891$618$421$283$83
32 years$1,206$843$577$387$256$72
33 years$1,157$799$538$356$232$62
34 years$1,111$757$503$328$210$53
35 years$1,067$718$470$302$190$46
36 years$1,026$681$440$278$172$40
37 years$987$647$412$256$156$34
38 years$951$615$386$236$142$29
39 years$916$585$361$217$128$25
40 years$883$556$339$201$116$22
41 years$852$530$318$185$106$19
42 years$822$504$298$171$96$16
43 years$794$481$279$158$87$14
44 years$768$458$262$146$79$12
45 years$742$437$246$134$72$10
46 years$718$417$231$124$65$9
47 years$694$398$217$115$59$8
48 years$672$380$204$106$54$7
49 years$651$363$192$98$49$6
50 years$631$346$181$91$44$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $646,000, adding $6,289 every year, while hoping to spend $45,508 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: 50/40/10 Blend
51$646,000$646,000$646,000$646,000
52$718,379$684,141$674,128$752,084
53$743,234$669,244$648,291$760,918
54$769,098$652,091$620,064$765,168
55$796,027$632,525$589,317$768,734
56$824,081$610,377$555,918$771,567
57$853,321$585,470$519,725$773,611
58$883,818$557,616$480,594$774,810
59$915,644$526,616$438,371$775,107
60$948,880$492,260$392,896$774,440
61$983,610$454,325$344,002$772,746
62$1,019,928$412,577$291,516$769,959
63$1,057,934$366,767$235,255$766,013
64$1,097,737$316,632$175,030$760,838
65$1,139,454$261,895$110,642$754,360
66$1,183,214$202,264$41,884$746,508
67$1,229,154$137,427$0$737,205
68$1,277,426$67,059$0$729,733
69$1,328,193$0$0$725,642
70$1,381,633$0$0$724,446
71$1,437,940$0$0$754,311
72$1,497,324$0$0$785,835
73$1,560,016$0$0$819,143
74$1,626,267$0$0$854,374
75$1,696,350$0$0$891,676
76$1,770,564$0$0$931,213
77$1,849,234$0$0$973,163
78$1,932,719$0$0$1,017,722
79$2,021,407$0$0$1,065,102
80$2,115,725$0$0$1,115,537
81$2,216,140$0$0$1,169,284
82$2,323,163$0$0$1,226,621
83$2,437,352$0$0$1,287,856
84$2,559,322$0$0$1,353,325
85$2,689,743$0$0$1,423,396
86$2,829,352$0$0$1,498,473
87$2,978,957$0$0$1,579,000
88$3,139,444$0$0$1,665,462
89$3,311,784$0$0$1,758,394
90$3,497,045$0$0$1,858,381
91$3,696,397$0$0$1,966,066
92$3,911,126$0$0$2,082,157
93$4,142,646$0$0$2,207,428
94$4,392,507$0$0$2,342,734
95$4,662,414$0$0$2,489,010
96$4,954,240$0$0$2,647,287
97$5,270,045$0$0$2,818,697
98$5,612,092$0$0$3,004,484
99$5,982,869$0$0$3,206,018
100$6,385,114$0$0$3,424,802