Can I retire at age 52 with 628,000?

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 $628,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$51,860$51,398$50,947$50,507$50,078$48,927
2 years$25,673$25,195$24,732$24,282$23,846$22,693
3 years$16,945$16,465$16,003$15,558$15,129$14,010
4 years$12,582$12,104$11,646$11,209$10,790$9,713
5 years$9,965$9,489$9,038$8,609$8,203$7,171
6 years$8,221$7,749$7,304$6,885$6,490$5,505
7 years$6,976$6,507$6,070$5,660$5,278$4,340
8 years$6,042$5,578$5,147$4,748$4,379$3,487
9 years$5,316$4,857$4,434$4,045$3,688$2,841
10 years$4,736$4,281$3,865$3,486$3,142$2,340
11 years$4,262$3,811$3,403$3,034$2,702$1,944
12 years$3,867$3,421$3,020$2,661$2,342$1,626
13 years$3,533$3,091$2,698$2,350$2,042$1,367
14 years$3,247$2,810$2,424$2,086$1,790$1,155
15 years$2,999$2,567$2,189$1,860$1,576$979
16 years$2,782$2,355$1,984$1,666$1,393$832
17 years$2,591$2,169$1,806$1,496$1,235$710
18 years$2,422$2,004$1,648$1,349$1,098$606
19 years$2,271$1,857$1,509$1,219$979$519
20 years$2,134$1,726$1,385$1,104$874$445
21 years$2,011$1,608$1,274$1,002$782$382
22 years$1,900$1,501$1,174$911$701$328
23 years$1,798$1,404$1,084$829$630$282
24 years$1,705$1,315$1,003$756$566$243
25 years$1,619$1,234$929$691$509$209
26 years$1,540$1,160$861$632$459$180
27 years$1,467$1,092$800$578$414$155
28 years$1,400$1,029$743$530$373$134
29 years$1,337$970$692$486$337$116
30 years$1,278$916$644$446$304$100
31 years$1,224$866$601$409$275$86
32 years$1,173$820$561$376$249$75
33 years$1,125$776$523$346$225$64
34 years$1,080$736$489$318$204$56
35 years$1,037$698$457$293$185$48
36 years$997$662$428$270$167$42
37 years$960$629$400$249$152$36
38 years$924$598$375$229$138$31
39 years$890$569$351$211$125$27
40 years$859$541$329$195$113$23
41 years$828$515$309$180$103$20
42 years$800$490$290$166$93$17
43 years$772$467$272$153$85$15
44 years$746$445$255$141$77$13
45 years$721$425$239$131$70$11
46 years$698$405$225$121$63$10
47 years$675$387$211$112$57$8
48 years$654$369$199$103$52$7
49 years$633$352$187$95$47$6
50 years$613$337$175$88$43$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $628,000, adding $2,935 every year, while hoping to spend $26,848 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: 85/8/7 Blend
51$628,000$628,000$628,000$628,000
52$695,083$661,799$652,065$753,515
53$737,416$665,662$645,344$795,943
54$783,166$668,813$637,497$838,578
55$832,655$671,191$628,459$884,566
56$886,235$672,728$618,161$934,227
57$944,292$673,352$606,530$987,911
58$1,007,252$672,989$593,491$1,046,007
59$1,075,583$671,557$578,964$1,108,939
60$1,149,800$668,971$562,867$1,177,178
61$1,230,469$665,140$545,113$1,251,239
62$1,318,213$659,968$525,611$1,331,691
63$1,413,718$653,353$504,266$1,419,161
64$1,517,737$645,188$480,978$1,514,340
65$1,631,100$635,356$455,645$1,617,987
66$1,754,721$623,737$428,158$1,730,941
67$1,889,604$610,202$398,403$1,854,123
68$2,036,857$594,615$366,262$1,988,550
69$2,197,696$576,831$331,612$2,135,342
70$2,373,463$556,697$294,323$2,295,733
71$2,565,634$534,053$254,260$2,471,083
72$2,775,834$508,727$211,283$2,662,888
73$3,005,851$480,537$165,244$2,872,800
74$3,257,658$449,293$115,989$3,102,638
75$3,533,423$414,792$63,359$3,354,404
76$3,835,535$376,820$7,185$3,630,308
77$4,166,627$335,152$0$3,932,783
78$4,529,596$289,547$0$4,268,450
79$4,927,634$239,754$0$4,637,154
80$5,364,256$185,506$0$5,041,627
81$5,843,335$126,520$0$5,485,473
82$6,369,136$62,500$0$5,972,662
83$6,946,356$0$0$6,507,569
84$7,580,171$0$0$7,095,617
85$8,276,282$0$0$7,747,515
86$9,040,969$0$0$8,463,644
87$9,881,150$0$0$9,250,482
88$10,804,446$0$0$10,115,170
89$11,819,254$0$0$11,065,572
90$12,934,824$0$0$12,110,353
91$14,161,348$0$0$13,259,058
92$15,510,052$0$0$14,522,205
93$16,993,309$0$0$15,911,380
94$18,624,747$0$0$17,439,351
95$20,419,381$0$0$19,120,182
96$22,393,759$0$0$20,969,372
97$24,566,108$0$0$23,003,996
98$26,956,515$0$0$25,242,867
99$29,587,110$0$0$27,706,715
100$32,482,278$0$0$30,418,382