Can I retire at age 52 with 612,000?

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 $612,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$50,538$50,088$49,649$49,220$48,802$47,993
2 years$25,019$24,553$24,101$23,664$23,239$22,427
3 years$16,514$16,046$15,595$15,162$14,744$13,953
4 years$12,262$11,795$11,349$10,923$10,515$9,752
5 years$9,711$9,248$8,808$8,390$7,994$7,261
6 years$8,012$7,551$7,118$6,709$6,325$5,623
7 years$6,798$6,342$5,915$5,516$5,144$4,473
8 years$5,888$5,436$5,016$4,627$4,267$3,627
9 years$5,181$4,733$4,321$3,942$3,594$2,984
10 years$4,615$4,172$3,767$3,398$3,062$2,482
11 years$4,153$3,714$3,316$2,957$2,633$2,083
12 years$3,768$3,333$2,943$2,594$2,282$1,760
13 years$3,443$3,012$2,629$2,290$1,990$1,496
14 years$3,164$2,738$2,363$2,033$1,744$1,277
15 years$2,922$2,501$2,133$1,813$1,536$1,095
16 years$2,711$2,295$1,934$1,623$1,357$941
17 years$2,525$2,114$1,760$1,458$1,204$812
18 years$2,360$1,953$1,606$1,314$1,070$702
19 years$2,213$1,810$1,471$1,188$954$608
20 years$2,080$1,682$1,350$1,076$852$527
21 years$1,960$1,567$1,241$976$762$458
22 years$1,851$1,463$1,144$888$683$398
23 years$1,752$1,368$1,056$808$614$347
24 years$1,661$1,282$977$737$551$302
25 years$1,578$1,203$905$673$496$264
26 years$1,501$1,130$839$616$447$230
27 years$1,430$1,064$779$563$403$201
28 years$1,364$1,002$725$516$364$176
29 years$1,303$946$674$473$328$154
30 years$1,246$893$628$434$297$135
31 years$1,193$844$585$399$268$118
32 years$1,143$799$546$367$243$103
33 years$1,096$757$510$337$220$90
34 years$1,052$717$477$310$199$79
35 years$1,011$680$446$286$180$69
36 years$972$645$417$263$163$61
37 years$935$613$390$242$148$53
38 years$901$583$365$223$134$47
39 years$868$554$342$206$122$41
40 years$837$527$321$190$110$36
41 years$807$502$301$175$100$31
42 years$779$478$282$162$91$27
43 years$753$455$265$149$82$24
44 years$727$434$249$138$75$21
45 years$703$414$233$127$68$19
46 years$680$395$219$118$62$16
47 years$658$377$206$109$56$14
48 years$637$360$194$100$51$12
49 years$617$343$182$93$46$11
50 years$598$328$171$86$42$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $612,000, adding $5,822 every year, while hoping to spend $26,275 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: 74/11/15 Blend
51$612,000$612,000$612,000$612,000
52$680,429$647,993$638,507$728,117
53$721,877$651,789$631,941$764,254
54$766,671$654,889$624,274$800,028
55$815,126$657,233$615,442$838,521
56$867,587$658,756$605,377$879,997
57$924,432$659,386$594,008$924,747
58$986,078$659,050$581,261$973,089
59$1,052,984$657,669$567,060$1,025,377
60$1,125,653$655,160$551,321$1,081,999
61$1,204,641$651,434$533,961$1,143,384
62$1,290,557$646,396$514,891$1,210,006
63$1,384,072$639,948$494,019$1,282,386
64$1,485,924$631,983$471,245$1,361,098
65$1,596,927$622,389$446,471$1,446,778
66$1,717,975$611,047$419,589$1,540,123
67$1,850,051$597,831$390,488$1,641,906
68$1,994,240$582,608$359,053$1,752,976
69$2,151,734$565,238$325,163$1,874,271
70$2,323,846$545,569$288,690$2,006,826
71$2,512,021$523,445$249,505$2,151,779
72$2,717,851$498,698$207,467$2,310,389
73$2,943,088$471,150$162,434$2,484,042
74$3,189,662$440,616$114,254$2,674,267
75$3,459,698$406,896$62,771$2,882,748
76$3,755,535$369,781$7,822$3,111,346
77$4,079,750$329,051$0$3,362,109
78$4,435,181$284,472$0$3,645,430
79$4,824,954$235,795$0$3,957,533
80$5,252,512$182,761$0$4,299,942
81$5,721,646$125,094$0$4,675,717
82$6,236,532$62,503$0$5,088,229
83$6,801,773$0$0$5,541,196
84$7,422,435$0$0$6,039,356
85$8,104,102$0$0$6,594,816
86$8,852,923$0$0$7,205,026
87$9,675,673$0$0$7,875,510
88$10,579,816$0$0$8,612,354
89$11,573,573$0$0$9,422,263
90$12,666,005$0$0$10,312,622
91$13,867,090$0$0$11,291,572
92$15,187,824$0$0$12,368,076
93$16,640,322$0$0$13,552,014
94$18,237,929$0$0$14,854,269
95$19,995,351$0$0$16,286,832
96$21,928,791$0$0$17,862,915
97$24,056,100$0$0$19,597,077
98$26,396,947$0$0$21,505,355
99$28,973,006$0$0$23,605,423
100$31,808,155$0$0$25,916,753