Can I retire at age 52 with 625,000?

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 $625,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$51,612$51,152$50,704$50,266$49,838$47,918
2 years$25,550$25,075$24,613$24,166$23,733$21,820
3 years$16,864$16,387$15,927$15,484$15,057$13,214
4 years$12,522$12,046$11,590$11,155$10,739$8,978
5 years$9,918$9,444$8,995$8,568$8,163$6,490
6 years$8,182$7,712$7,269$6,852$6,459$4,874
7 years$6,942$6,476$6,041$5,633$5,253$3,756
8 years$6,013$5,551$5,123$4,726$4,358$2,947
9 years$5,291$4,834$4,412$4,025$3,670$2,344
10 years$4,714$4,261$3,847$3,470$3,127$1,883
11 years$4,241$3,793$3,387$3,020$2,689$1,524
12 years$3,848$3,404$3,006$2,649$2,331$1,241
13 years$3,516$3,076$2,685$2,338$2,032$1,016
14 years$3,231$2,796$2,413$2,076$1,782$835
15 years$2,984$2,555$2,178$1,851$1,569$688
16 years$2,769$2,344$1,975$1,658$1,386$568
17 years$2,579$2,159$1,797$1,489$1,229$470
18 years$2,410$1,995$1,641$1,342$1,093$390
19 years$2,260$1,849$1,502$1,213$974$324
20 years$2,124$1,718$1,378$1,098$870$269
21 years$2,002$1,600$1,268$997$779$224
22 years$1,891$1,494$1,168$906$698$187
23 years$1,789$1,397$1,079$825$627$156
24 years$1,697$1,309$998$753$563$130
25 years$1,611$1,228$924$688$507$108
26 years$1,533$1,154$857$629$456$90
27 years$1,460$1,086$796$575$412$75
28 years$1,393$1,024$740$527$371$63
29 years$1,330$966$689$483$335$53
30 years$1,272$912$641$444$303$44
31 years$1,218$862$598$408$274$37
32 years$1,167$816$558$375$248$31
33 years$1,119$773$521$344$224$26
34 years$1,074$732$487$317$203$21
35 years$1,032$695$455$292$184$18
36 years$993$659$426$269$167$15
37 years$955$626$398$248$151$13
38 years$920$595$373$228$137$10
39 years$886$566$350$210$124$9
40 years$854$538$328$194$113$7
41 years$824$512$307$179$102$6
42 years$796$488$288$165$93$5
43 years$768$465$270$153$84$4
44 years$743$443$254$141$76$4
45 years$718$423$238$130$69$3
46 years$694$403$224$120$63$2
47 years$672$385$210$111$57$2
48 years$650$367$198$103$52$2
49 years$630$351$186$95$47$1
50 years$610$335$175$88$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $625,000, adding $6,982 every year, while hoping to spend $49,240 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: 74/20/6 Blend
51$625,000$625,000$625,000$625,000
52$695,952$662,827$653,139$746,468
53$714,548$642,914$622,629$760,766
54$733,391$620,376$589,445$769,489
55$752,453$595,031$553,448$777,633
56$771,704$566,688$514,489$785,123
57$791,107$535,145$472,414$791,877
58$810,620$500,188$427,061$797,807
59$830,198$461,591$378,261$802,816
60$849,784$419,115$325,839$806,799
61$869,317$372,507$269,610$809,642
62$888,728$321,500$209,382$811,220
63$907,937$265,812$144,955$811,397
64$926,855$205,146$76,120$810,024
65$945,381$139,185$2,657$806,940
66$963,403$67,598$0$801,970
67$980,793$0$0$799,770
68$997,409$0$0$797,973
69$1,013,092$0$0$810,278
70$1,027,664$0$0$821,661
71$1,040,926$0$0$831,960
72$1,052,657$0$0$840,994
73$1,062,610$0$0$848,561
74$1,070,509$0$0$854,437
75$1,076,048$0$0$858,370
76$1,078,888$0$0$860,083
77$1,078,649$0$0$859,267
78$1,074,912$0$0$855,578
79$1,067,210$0$0$848,636
80$1,055,026$0$0$838,019
81$1,037,787$0$0$823,257
82$1,014,857$0$0$803,832
83$985,531$0$0$779,169
84$949,029$0$0$748,630
85$904,488$0$0$711,511
86$850,951$0$0$667,031
87$787,361$0$0$614,328
88$712,547$0$0$552,445
89$625,217$0$0$480,327
90$523,938$0$0$396,806
91$407,129$0$0$300,591
92$273,044$0$0$190,258
93$119,749$0$0$64,228
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0