Can I retire at age 52 with 610,000?

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 $610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$50,373$49,925$49,487$49,059$48,642$46,954
2 years$24,937$24,473$24,023$23,586$23,163$21,479
3 years$16,460$15,993$15,544$15,112$14,696$13,070
4 years$12,222$11,757$11,312$10,887$10,481$8,925
5 years$9,680$9,217$8,779$8,363$7,967$6,486
6 years$7,985$7,527$7,095$6,688$6,304$4,898
7 years$6,776$6,321$5,896$5,498$5,127$3,796
8 years$5,869$5,418$5,000$4,612$4,253$2,997
9 years$5,164$4,718$4,306$3,929$3,582$2,398
10 years$4,600$4,158$3,754$3,387$3,052$1,938
11 years$4,140$3,702$3,305$2,947$2,625$1,579
12 years$3,756$3,323$2,933$2,585$2,275$1,295
13 years$3,431$3,003$2,621$2,282$1,984$1,067
14 years$3,153$2,729$2,355$2,026$1,739$883
15 years$2,913$2,493$2,126$1,807$1,531$733
16 years$2,703$2,288$1,928$1,618$1,353$610
17 years$2,517$2,107$1,754$1,454$1,200$509
18 years$2,353$1,947$1,601$1,310$1,067$425
19 years$2,205$1,804$1,466$1,184$951$356
20 years$2,073$1,677$1,345$1,072$849$298
21 years$1,954$1,562$1,237$973$760$250
22 years$1,845$1,458$1,140$885$681$210
23 years$1,746$1,363$1,053$806$612$176
24 years$1,656$1,277$974$735$550$148
25 years$1,573$1,199$902$671$495$125
26 years$1,496$1,127$837$614$446$105
27 years$1,425$1,060$777$562$402$88
28 years$1,360$999$722$515$362$74
29 years$1,299$943$672$472$327$62
30 years$1,242$890$626$433$296$53
31 years$1,189$841$584$398$267$44
32 years$1,139$796$544$366$242$37
33 years$1,092$754$508$336$219$31
34 years$1,049$715$475$309$198$27
35 years$1,008$678$444$285$179$22
36 years$969$643$415$262$163$19
37 years$932$611$389$242$147$16
38 years$898$581$364$223$134$13
39 years$865$552$341$205$121$11
40 years$834$525$320$189$110$10
41 years$805$500$300$175$100$8
42 years$777$476$281$161$90$7
43 years$750$454$264$149$82$6
44 years$725$433$248$137$75$5
45 years$701$412$233$127$68$4
46 years$678$394$218$117$61$3
47 years$656$376$205$108$56$3
48 years$635$358$193$100$51$2
49 years$615$342$181$93$46$2
50 years$596$327$170$86$42$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $610,000, adding $2,390 every year, while hoping to spend $41,308 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: 65/6/29 Blend
51$610,000$610,000$610,000$610,000
52$674,685$642,355$632,900$713,202
53$699,552$629,879$610,151$727,075
54$725,570$615,408$585,255$737,449
55$752,814$598,799$558,097$747,892
56$781,365$579,903$528,557$758,415
57$811,307$558,561$496,507$769,034
58$842,737$534,607$461,816$779,766
59$875,755$507,862$424,346$790,631
60$910,474$478,140$383,954$801,655
61$947,014$445,240$340,488$812,867
62$985,507$408,954$293,792$824,300
63$1,026,096$369,060$243,701$835,994
64$1,068,937$325,323$190,044$847,996
65$1,114,201$277,496$132,642$860,357
66$1,162,072$225,317$71,309$873,140
67$1,212,755$168,508$5,849$886,412
68$1,266,470$106,779$0$900,255
69$1,323,459$39,821$0$934,564
70$1,383,988$0$0$972,854
71$1,448,344$0$0$1,015,658
72$1,516,846$0$0$1,064,039
73$1,589,839$0$0$1,115,616
74$1,667,702$0$0$1,170,659
75$1,750,853$0$0$1,229,467
76$1,839,745$0$0$1,292,363
77$1,934,880$0$0$1,359,707
78$2,036,803$0$0$1,431,888
79$2,146,117$0$0$1,509,336
80$2,263,480$0$0$1,592,524
81$2,389,615$0$0$1,681,967
82$2,525,317$0$0$1,778,234
83$2,671,457$0$0$1,881,949
84$2,828,993$0$0$1,993,796
85$2,998,977$0$0$2,114,528
86$3,182,564$0$0$2,244,972
87$3,381,024$0$0$2,386,036
88$3,595,753$0$0$2,538,718
89$3,828,285$0$0$2,704,118
90$4,080,307$0$0$2,883,442
91$4,353,674$0$0$3,078,017
92$4,650,425$0$0$3,289,303
93$4,972,803$0$0$3,518,907
94$5,323,278$0$0$3,768,594
95$5,704,563$0$0$4,040,308
96$6,119,647$0$0$4,336,187
97$6,571,815$0$0$4,658,584
98$7,064,685$0$0$5,010,090
99$7,602,238$0$0$5,393,553
100$8,188,856$0$0$5,812,112