Can I retire at age 52 with 622,000?

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 $622,000?

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$51,364$50,907$50,460$50,025$49,599$48,777
2 years$25,428$24,954$24,495$24,050$23,619$22,793
3 years$16,783$16,308$15,850$15,409$14,985$14,181
4 years$12,462$11,988$11,535$11,101$10,687$9,912
5 years$9,870$9,399$8,951$8,527$8,124$7,379
6 years$8,143$7,675$7,234$6,819$6,428$5,715
7 years$6,909$6,445$6,012$5,606$5,228$4,546
8 years$5,984$5,525$5,098$4,703$4,337$3,686
9 years$5,266$4,810$4,391$4,006$3,653$3,032
10 years$4,691$4,240$3,828$3,453$3,112$2,522
11 years$4,221$3,775$3,370$3,005$2,677$2,117
12 years$3,830$3,388$2,991$2,636$2,319$1,789
13 years$3,499$3,062$2,672$2,327$2,023$1,520
14 years$3,215$2,783$2,401$2,066$1,773$1,298
15 years$2,970$2,542$2,168$1,842$1,561$1,113
16 years$2,756$2,333$1,966$1,650$1,380$957
17 years$2,567$2,148$1,789$1,482$1,223$825
18 years$2,399$1,985$1,633$1,336$1,088$713
19 years$2,249$1,840$1,495$1,207$970$618
20 years$2,114$1,710$1,372$1,093$866$536
21 years$1,992$1,592$1,262$992$775$466
22 years$1,882$1,486$1,163$902$695$405
23 years$1,781$1,390$1,074$822$624$353
24 years$1,688$1,303$993$749$560$307
25 years$1,604$1,222$920$684$504$268
26 years$1,525$1,149$853$626$454$234
27 years$1,453$1,081$792$573$410$205
28 years$1,386$1,019$736$525$370$179
29 years$1,324$961$685$481$334$156
30 years$1,266$908$638$442$302$137
31 years$1,212$858$595$406$273$120
32 years$1,161$812$555$373$247$105
33 years$1,114$769$518$343$223$92
34 years$1,069$729$484$315$202$80
35 years$1,027$691$453$290$183$70
36 years$988$656$424$267$166$62
37 years$951$623$396$246$150$54
38 years$915$592$371$227$136$47
39 years$882$563$348$209$124$41
40 years$850$536$326$193$112$36
41 years$820$510$306$178$102$32
42 years$792$486$287$164$92$28
43 years$765$463$269$152$84$24
44 years$739$441$253$140$76$21
45 years$714$421$237$129$69$19
46 years$691$401$223$120$63$17
47 years$669$383$209$110$57$14
48 years$647$366$197$102$52$13
49 years$627$349$185$94$47$11
50 years$607$333$174$87$43$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $622,000, adding $5,258 every year, while hoping to spend $44,826 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: 32/43/25 Blend
51$622,000$622,000$622,000$622,000
52$690,868$657,902$648,261$707,545
53$713,642$642,444$622,283$705,189
54$737,236$624,727$593,932$698,286
55$761,688$604,592$563,083$689,952
56$787,035$581,872$529,601$680,090
57$813,318$556,390$493,348$668,600
58$840,582$527,958$454,181$655,376
59$868,872$496,379$411,947$640,304
60$898,238$461,443$366,488$623,268
61$928,733$422,928$317,640$604,144
62$960,413$380,600$265,230$582,801
63$993,338$334,213$209,078$559,102
64$1,027,573$283,503$148,996$532,905
65$1,063,186$228,196$84,789$504,058
66$1,100,252$167,999$16,251$472,403
67$1,138,851$102,604$0$437,773
68$1,179,068$31,685$0$415,171
69$1,220,994$0$0$394,851
70$1,264,729$0$0$393,683
71$1,310,379$0$0$408,134
72$1,358,061$0$0$423,248
73$1,407,897$0$0$439,069
74$1,460,024$0$0$455,643
75$1,514,585$0$0$473,018
76$1,571,740$0$0$491,249
77$1,631,658$0$0$510,394
78$1,694,526$0$0$530,516
79$1,760,543$0$0$551,685
80$1,829,930$0$0$573,975
81$1,902,923$0$0$597,468
82$1,979,781$0$0$622,253
83$2,060,786$0$0$648,428
84$2,146,243$0$0$676,098
85$2,236,488$0$0$705,378
86$2,331,885$0$0$736,395
87$2,432,831$0$0$769,286
88$2,539,761$0$0$804,202
89$2,653,150$0$0$841,308
90$2,773,516$0$0$880,783
91$2,901,426$0$0$922,826
92$3,037,501$0$0$967,651
93$3,182,420$0$0$1,015,495
94$3,336,925$0$0$1,066,617
95$3,501,833$0$0$1,121,301
96$3,678,033$0$0$1,179,858
97$3,866,505$0$0$1,242,631
98$4,068,321$0$0$1,309,992
99$4,284,656$0$0$1,382,354
100$4,516,800$0$0$1,460,166