Can I retire at age 52 with 618,000?

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 $618,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$51,034$50,579$50,136$49,703$49,280$47,837
2 years$25,264$24,794$24,338$23,896$23,467$22,024
3 years$16,676$16,203$15,748$15,310$14,888$13,492
4 years$12,382$11,911$11,461$11,030$10,618$9,279
5 years$9,807$9,338$8,894$8,472$8,072$6,793
6 years$8,090$7,625$7,188$6,775$6,387$5,170
7 years$6,865$6,404$5,973$5,570$5,194$4,039
8 years$5,946$5,489$5,066$4,673$4,309$3,214
9 years$5,232$4,779$4,363$3,980$3,629$2,594
10 years$4,661$4,213$3,804$3,431$3,092$2,115
11 years$4,194$3,750$3,349$2,986$2,659$1,739
12 years$3,805$3,366$2,972$2,619$2,305$1,439
13 years$3,476$3,042$2,655$2,312$2,010$1,197
14 years$3,195$2,765$2,386$2,053$1,762$1,000
15 years$2,951$2,526$2,154$1,831$1,551$839
16 years$2,738$2,318$1,953$1,639$1,371$705
17 years$2,550$2,134$1,777$1,473$1,215$594
18 years$2,383$1,972$1,622$1,327$1,081$502
19 years$2,234$1,828$1,485$1,199$963$424
20 years$2,100$1,699$1,363$1,086$860$359
21 years$1,979$1,582$1,254$986$770$305
22 years$1,869$1,477$1,155$896$690$258
23 years$1,769$1,381$1,067$816$620$219
24 years$1,678$1,294$987$744$557$187
25 years$1,593$1,215$914$680$501$159
26 years$1,516$1,141$848$622$451$135
27 years$1,444$1,074$787$569$407$115
28 years$1,377$1,012$732$521$367$98
29 years$1,316$955$681$478$332$83
30 years$1,258$902$634$439$300$71
31 years$1,204$853$591$403$271$60
32 years$1,154$807$552$370$245$52
33 years$1,107$764$515$341$222$44
34 years$1,062$724$481$313$201$37
35 years$1,021$687$450$288$182$32
36 years$982$652$421$266$165$27
37 years$944$619$394$245$149$23
38 years$909$588$369$226$135$20
39 years$876$559$346$208$123$17
40 years$845$532$324$192$111$14
41 years$815$507$304$177$101$12
42 years$787$483$285$163$92$10
43 years$760$460$267$151$83$9
44 years$734$438$251$139$76$8
45 years$710$418$236$129$69$7
46 years$687$399$221$119$62$6
47 years$664$380$208$110$57$5
48 years$643$363$195$101$51$4
49 years$623$347$184$94$47$3
50 years$603$331$173$87$42$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $618,000, adding $4,573 every year, while hoping to spend $44,313 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: 37/49/14 Blend
51$618,000$618,000$618,000$618,000
52$685,753$652,999$643,420$708,040
53$708,551$637,847$617,826$709,290
54$732,190$620,468$589,889$706,052
55$756,707$600,705$559,485$701,593
56$782,145$578,394$526,481$695,826
57$808,548$553,359$490,742$688,661
58$835,962$525,416$452,125$680,000
59$864,439$494,370$410,479$669,743
60$894,031$460,013$365,650$657,781
61$924,796$422,128$317,473$644,004
62$956,796$380,483$265,779$628,293
63$990,096$334,834$210,390$610,523
64$1,024,768$284,922$151,120$590,564
65$1,060,887$230,477$87,776$568,279
66$1,098,536$171,208$20,154$543,524
67$1,137,802$106,813$0$516,149
68$1,178,781$36,970$0$493,764
69$1,221,575$0$0$472,153
70$1,266,294$0$0$469,008
71$1,313,058$0$0$486,585
72$1,361,996$0$0$505,002
73$1,413,249$0$0$524,314
74$1,466,968$0$0$544,582
75$1,523,318$0$0$565,871
76$1,582,477$0$0$588,252
77$1,644,640$0$0$611,804
78$1,710,017$0$0$636,609
79$1,778,837$0$0$662,759
80$1,851,350$0$0$690,356
81$1,927,829$0$0$719,507
82$2,008,569$0$0$750,332
83$2,093,894$0$0$782,960
84$2,184,156$0$0$817,533
85$2,279,741$0$0$854,206
86$2,381,068$0$0$893,149
87$2,488,598$0$0$934,545
88$2,602,833$0$0$978,598
89$2,724,322$0$0$1,025,530
90$2,853,667$0$0$1,075,582
91$2,991,526$0$0$1,129,022
92$3,138,621$0$0$1,186,140
93$3,295,741$0$0$1,247,256
94$3,463,752$0$0$1,312,719
95$3,643,604$0$0$1,382,915
96$3,836,336$0$0$1,458,264
97$4,043,092$0$0$1,539,228
98$4,265,123$0$0$1,626,316
99$4,503,805$0$0$1,720,085
100$4,760,647$0$0$1,821,146