Can I retire at age 52 with 613,000?

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 $613,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$50,621$50,170$49,730$49,301$48,881$48,032
2 years$25,060$24,593$24,141$23,702$23,277$22,424
3 years$16,541$16,072$15,621$15,186$14,768$13,938
4 years$12,282$11,815$11,368$10,941$10,533$9,732
5 years$9,727$9,263$8,822$8,404$8,007$7,238
6 years$8,025$7,564$7,129$6,720$6,335$5,599
7 years$6,809$6,352$5,925$5,525$5,152$4,449
8 years$5,898$5,445$5,025$4,635$4,274$3,603
9 years$5,189$4,741$4,328$3,948$3,600$2,961
10 years$4,623$4,179$3,773$3,403$3,067$2,460
11 years$4,160$3,720$3,322$2,962$2,638$2,062
12 years$3,774$3,339$2,948$2,598$2,286$1,740
13 years$3,448$3,017$2,634$2,294$1,993$1,477
14 years$3,169$2,743$2,366$2,036$1,747$1,259
15 years$2,927$2,506$2,137$1,816$1,538$1,078
16 years$2,716$2,299$1,937$1,626$1,360$926
17 years$2,530$2,117$1,763$1,461$1,206$797
18 years$2,364$1,956$1,609$1,316$1,072$688
19 years$2,216$1,813$1,473$1,190$955$595
20 years$2,083$1,685$1,352$1,077$853$515
21 years$1,963$1,569$1,243$978$764$447
22 years$1,854$1,465$1,146$889$685$388
23 years$1,755$1,370$1,058$810$615$338
24 years$1,664$1,284$979$738$552$294
25 years$1,580$1,205$906$674$497$256
26 years$1,503$1,132$841$617$448$223
27 years$1,432$1,066$781$564$404$195
28 years$1,366$1,004$726$517$364$170
29 years$1,305$947$675$474$329$148
30 years$1,248$895$629$435$297$129
31 years$1,194$846$586$400$269$113
32 years$1,145$800$547$367$243$99
33 years$1,098$758$511$338$220$86
34 years$1,054$718$477$311$199$76
35 years$1,013$681$446$286$180$66
36 years$974$647$417$263$163$58
37 years$937$614$391$243$148$51
38 years$902$584$366$224$134$44
39 years$869$555$343$206$122$39
40 years$838$528$321$190$110$34
41 years$809$503$301$176$100$30
42 years$780$479$283$162$91$26
43 years$754$456$265$150$83$23
44 years$728$435$249$138$75$20
45 years$704$415$234$128$68$17
46 years$681$395$220$118$62$15
47 years$659$377$206$109$56$13
48 years$638$360$194$101$51$12
49 years$618$344$182$93$46$10
50 years$599$329$171$86$42$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $613,000, adding $3,910 every year, while hoping to spend $26,321 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: 65/11/24 Blend
51$613,000$613,000$613,000$613,000
52$679,559$647,070$637,569$719,255
53$720,869$650,771$630,922$750,178
54$765,510$653,772$623,170$780,648
55$813,795$656,009$614,249$813,352
56$866,065$657,417$604,090$848,511
57$922,700$657,926$592,623$886,370
58$984,112$657,462$579,773$927,198
59$1,050,759$655,944$565,462$971,295
60$1,123,140$653,290$549,609$1,018,988
61$1,201,809$649,409$532,130$1,070,642
62$1,287,371$644,208$512,934$1,126,659
63$1,380,494$637,586$491,928$1,187,482
64$1,481,913$629,436$469,016$1,253,601
65$1,592,436$619,646$444,096$1,325,556
66$1,712,952$608,096$417,061$1,403,946
67$1,844,441$594,661$387,800$1,489,428
68$1,987,980$579,205$356,197$1,582,731
69$2,144,755$561,587$322,131$1,684,658
70$2,316,072$541,657$285,474$1,796,096
71$2,503,368$519,255$246,095$1,918,023
72$2,708,228$494,214$203,855$2,051,520
73$2,932,392$466,356$158,610$2,197,779
74$3,177,782$435,493$110,208$2,358,115
75$3,446,508$401,425$58,493$2,533,981
76$3,740,900$363,943$3,300$2,726,977
77$4,063,519$322,823$0$2,938,873
78$4,417,189$277,832$0$3,185,856
79$4,805,017$228,721$0$3,457,668
80$5,230,428$175,227$0$3,755,885
81$5,697,192$117,075$0$4,083,175
82$6,209,465$53,970$0$4,442,481
83$6,771,821$0$0$4,837,042
84$7,389,300$0$0$5,272,175
85$8,067,454$0$0$5,757,283
86$8,812,401$0$0$6,290,213
87$9,630,877$0$0$6,875,791
88$10,530,306$0$0$7,519,333
89$11,518,864$0$0$8,226,697
90$12,605,561$0$0$9,004,333
91$13,800,322$0$0$9,859,352
92$15,114,082$0$0$10,799,585
93$16,558,888$0$0$11,833,661
94$18,148,015$0$0$12,971,087
95$19,896,086$0$0$14,222,338
96$21,819,215$0$0$15,598,954
97$23,935,155$0$0$17,113,653
98$26,263,469$0$0$18,780,444
99$28,825,708$0$0$20,614,766
100$31,645,623$0$0$22,633,628