Can I retire at age 52 with 649,000?

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 $649,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$53,594$53,116$52,651$52,196$51,752$49,896
2 years$26,532$26,037$25,559$25,094$24,644$22,794
3 years$17,512$17,016$16,538$16,078$15,635$13,850
4 years$13,003$12,508$12,035$11,583$11,151$9,444
5 years$10,299$9,807$9,340$8,897$8,477$6,852
6 years$8,496$8,008$7,548$7,115$6,707$5,166
7 years$7,209$6,725$6,273$5,850$5,455$3,997
8 years$6,244$5,765$5,320$4,907$4,525$3,149
9 years$5,494$5,019$4,582$4,180$3,811$2,515
10 years$4,895$4,424$3,994$3,603$3,247$2,029
11 years$4,404$3,939$3,517$3,136$2,793$1,650
12 years$3,996$3,535$3,121$2,750$2,420$1,350
13 years$3,651$3,195$2,788$2,428$2,110$1,110
14 years$3,355$2,904$2,505$2,156$1,850$917
15 years$3,099$2,653$2,262$1,922$1,629$759
16 years$2,875$2,434$2,051$1,721$1,440$631
17 years$2,678$2,241$1,866$1,547$1,276$525
18 years$2,503$2,071$1,704$1,394$1,135$437
19 years$2,346$1,920$1,560$1,259$1,012$365
20 years$2,206$1,784$1,431$1,141$904$305
21 years$2,079$1,661$1,317$1,035$809$255
22 years$1,963$1,551$1,213$941$725$214
23 years$1,858$1,451$1,120$857$651$179
24 years$1,762$1,359$1,036$782$585$150
25 years$1,673$1,275$960$714$526$126
26 years$1,592$1,199$890$653$474$106
27 years$1,516$1,128$826$598$427$89
28 years$1,446$1,063$768$547$386$75
29 years$1,382$1,003$715$502$348$63
30 years$1,321$947$666$461$315$53
31 years$1,265$895$621$423$284$44
32 years$1,212$847$579$389$257$37
33 years$1,162$802$541$358$233$31
34 years$1,116$760$505$329$211$26
35 years$1,072$721$472$303$191$22
36 years$1,031$685$442$279$173$19
37 years$992$650$414$257$157$16
38 years$955$618$387$237$142$13
39 years$920$588$363$218$129$11
40 years$887$559$340$201$117$9
41 years$856$532$319$186$106$8
42 years$826$507$299$172$96$7
43 years$798$483$281$158$87$6
44 years$771$460$264$146$79$5
45 years$745$439$247$135$72$4
46 years$721$419$232$125$65$3
47 years$698$400$218$115$59$3
48 years$675$381$205$106$54$2
49 years$654$364$193$98$49$2
50 years$634$348$181$91$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $649,000, adding $3,346 every year, while hoping to spend $37,402 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: 62/30/8 Blend
51$649,000$649,000$649,000$649,000
52$718,649$684,252$674,193$761,808
53$752,156$677,985$656,983$784,793
54$787,827$670,158$637,943$805,228
55$825,843$660,653$616,972$826,582
56$866,404$649,350$593,965$848,942
57$909,725$636,116$568,811$872,408
58$956,047$620,815$541,395$897,089
59$1,005,629$603,300$511,597$923,108
60$1,058,758$583,418$479,292$950,602
61$1,115,750$561,003$444,346$979,723
62$1,176,948$535,884$406,623$1,010,641
63$1,242,731$507,876$365,979$1,043,546
64$1,313,514$476,787$322,264$1,078,648
65$1,389,754$442,411$275,322$1,116,181
66$1,471,952$404,532$224,988$1,156,406
67$1,560,658$362,921$171,092$1,199,614
68$1,656,477$317,336$113,455$1,246,126
69$1,760,073$267,521$51,892$1,296,301
70$1,872,177$213,207$0$1,350,538
71$1,993,592$154,107$0$1,410,456
72$2,125,201$89,920$0$1,480,172
73$2,267,973$20,328$0$1,555,815
74$2,422,978$0$0$1,638,008
75$2,591,389$0$0$1,745,601
76$2,774,498$0$0$1,869,923
77$2,973,725$0$0$2,005,233
78$3,190,635$0$0$2,152,598
79$3,426,948$0$0$2,313,194
80$3,684,557$0$0$2,488,314
81$3,965,546$0$0$2,679,379
82$4,272,209$0$0$2,887,957
83$4,607,070$0$0$3,115,772
84$4,972,908$0$0$3,364,720
85$5,372,783$0$0$3,636,892
86$5,810,063$0$0$3,934,588
87$6,288,458$0$0$4,260,342
88$6,812,050$0$0$4,616,941
89$7,385,338$0$0$5,007,458
90$8,013,272$0$0$5,435,275
91$8,701,306$0$0$5,904,117
92$9,455,446$0$0$6,418,085
93$10,282,306$0$0$6,981,698
94$11,189,173$0$0$7,599,933
95$12,184,068$0$0$8,278,269
96$13,275,831$0$0$9,022,745
97$14,474,198$0$0$9,840,010
98$15,789,891$0$0$10,737,390
99$17,234,723$0$0$11,722,954
100$18,821,708$0$0$12,805,591