Can I retire at age 52 with 649,000?

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 $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%12.2%
1 years$53,594$53,116$52,651$52,196$51,752$51,276
2 years$26,532$26,037$25,559$25,094$24,644$24,164
3 years$17,512$17,016$16,538$16,078$15,635$15,166
4 years$13,003$12,508$12,035$11,583$11,151$10,697
5 years$10,299$9,807$9,340$8,897$8,477$8,039
6 years$8,496$8,008$7,548$7,115$6,707$6,287
7 years$7,209$6,725$6,273$5,850$5,455$5,051
8 years$6,244$5,765$5,320$4,907$4,525$4,139
9 years$5,494$5,019$4,582$4,180$3,811$3,441
10 years$4,895$4,424$3,994$3,603$3,247$2,894
11 years$4,404$3,939$3,517$3,136$2,793$2,456
12 years$3,996$3,535$3,121$2,750$2,420$2,099
13 years$3,651$3,195$2,788$2,428$2,110$1,805
14 years$3,355$2,904$2,505$2,156$1,850$1,560
15 years$3,099$2,653$2,262$1,922$1,629$1,353
16 years$2,875$2,434$2,051$1,721$1,440$1,179
17 years$2,678$2,241$1,866$1,547$1,276$1,029
18 years$2,503$2,071$1,704$1,394$1,135$901
19 years$2,346$1,920$1,560$1,259$1,012$791
20 years$2,206$1,784$1,431$1,141$904$695
21 years$2,079$1,661$1,317$1,035$809$612
22 years$1,963$1,551$1,213$941$725$540
23 years$1,858$1,451$1,120$857$651$477
24 years$1,762$1,359$1,036$782$585$421
25 years$1,673$1,275$960$714$526$373
26 years$1,592$1,199$890$653$474$330
27 years$1,516$1,128$826$598$427$293
28 years$1,446$1,063$768$547$386$259
29 years$1,382$1,003$715$502$348$230
30 years$1,321$947$666$461$315$204
31 years$1,265$895$621$423$284$182
32 years$1,212$847$579$389$257$161
33 years$1,162$802$541$358$233$143
34 years$1,116$760$505$329$211$127
35 years$1,072$721$472$303$191$113
36 years$1,031$685$442$279$173$101
37 years$992$650$414$257$157$90
38 years$955$618$387$237$142$80
39 years$920$588$363$218$129$71
40 years$887$559$340$201$117$63
41 years$856$532$319$186$106$56
42 years$826$507$299$172$96$50
43 years$798$483$281$158$87$45
44 years$771$460$264$146$79$40
45 years$745$439$247$135$72$35
46 years$721$419$232$125$65$32
47 years$698$400$218$115$59$28
48 years$675$381$205$106$54$25
49 years$654$364$193$98$49$22
50 years$634$348$181$91$44$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $649,000, adding $6,345 every year, while hoping to spend $53,782 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: 31/46/23 Blend
51$649,000$649,000$649,000$649,000
52$721,743$687,346$677,286$738,823
53$738,137$663,802$642,752$728,799
54$754,401$637,302$605,258$712,767
55$770,464$607,645$564,648$694,405
56$786,248$574,616$520,761$673,546
57$801,664$537,990$473,425$650,009
58$816,611$497,529$422,462$623,604
59$830,978$452,981$367,687$594,126
60$844,640$404,079$308,906$561,357
61$857,455$350,541$245,917$525,066
62$869,267$292,069$178,507$485,006
63$879,901$228,349$106,456$440,912
64$889,162$159,049$29,533$392,503
65$896,832$83,818$0$339,478
66$902,669$2,286$0$294,414
67$906,404$0$0$252,643
68$907,737$0$0$250,110
69$906,336$0$0$247,741
70$901,831$0$0$244,253
71$893,813$0$0$239,503
72$881,827$0$0$233,334
73$865,369$0$0$225,573
74$843,880$0$0$216,025
75$816,742$0$0$204,478
76$783,270$0$0$190,695
77$742,705$0$0$174,416
78$694,208$0$0$155,350
79$636,851$0$0$133,179
80$569,606$0$0$107,548
81$491,337$0$0$78,068
82$400,789$0$0$44,307
83$296,575$0$0$5,788
84$177,160$0$0$0
85$40,850$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0