Can I retire at age 52 with 631,000?

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 $631,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$52,107$51,643$51,190$50,748$50,317$49,812
2 years$25,796$25,315$24,850$24,398$23,960$23,452
3 years$17,026$16,544$16,079$15,632$15,201$14,705
4 years$12,642$12,161$11,702$11,262$10,842$10,362
5 years$10,013$9,535$9,081$8,650$8,242$7,779
6 years$8,260$7,786$7,339$6,918$6,521$6,076
7 years$7,009$6,539$6,099$5,687$5,304$4,877
8 years$6,071$5,605$5,172$4,771$4,400$3,991
9 years$5,342$4,880$4,455$4,064$3,705$3,315
10 years$4,759$4,301$3,884$3,503$3,157$2,784
11 years$4,282$3,829$3,419$3,049$2,715$2,360
12 years$3,885$3,437$3,034$2,674$2,353$2,014
13 years$3,549$3,106$2,711$2,361$2,052$1,730
14 years$3,262$2,823$2,436$2,096$1,799$1,493
15 years$3,013$2,579$2,199$1,869$1,584$1,294
16 years$2,796$2,366$1,994$1,674$1,400$1,125
17 years$2,604$2,179$1,814$1,504$1,241$981
18 years$2,434$2,014$1,656$1,355$1,103$858
19 years$2,281$1,866$1,516$1,224$984$752
20 years$2,145$1,734$1,392$1,109$879$660
21 years$2,021$1,615$1,280$1,006$786$580
22 years$1,909$1,508$1,180$915$705$511
23 years$1,806$1,410$1,089$833$633$451
24 years$1,713$1,321$1,007$760$569$398
25 years$1,627$1,240$933$694$512$351
26 years$1,548$1,165$865$635$461$311
27 years$1,474$1,097$804$581$415$275
28 years$1,406$1,034$747$532$375$243
29 years$1,343$975$695$488$339$215
30 years$1,284$921$648$448$306$191
31 years$1,230$870$604$411$277$169
32 years$1,178$824$563$378$250$150
33 years$1,130$780$526$348$226$133
34 years$1,085$739$491$320$205$118
35 years$1,042$701$459$295$186$105
36 years$1,002$666$430$271$168$93
37 years$964$632$402$250$152$83
38 years$929$601$377$230$138$74
39 years$895$571$353$212$125$65
40 years$863$543$331$196$114$58
41 years$832$517$310$181$103$52
42 years$803$493$291$167$94$46
43 years$776$469$273$154$85$41
44 years$750$447$256$142$77$36
45 years$725$427$241$131$70$32
46 years$701$407$226$121$64$29
47 years$678$388$212$112$58$25
48 years$657$371$200$104$52$23
49 years$636$354$188$96$48$20
50 years$616$338$176$88$43$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $631,000, adding $4,038 every year, while hoping to spend $34,938 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: 60/16/24 Blend
51$631,000$631,000$631,000$631,000
52$699,527$666,084$656,304$736,791
53$733,705$661,549$641,116$758,048
54$770,198$655,620$624,249$777,089
55$809,206$648,192$605,609$797,104
56$850,947$639,155$585,098$818,194
57$895,659$628,390$562,615$840,474
58$943,607$615,772$538,053$864,069
59$995,079$601,168$511,301$889,121
60$1,050,390$584,438$482,243$915,785
61$1,109,887$565,434$450,756$944,238
62$1,173,953$543,997$416,714$974,672
63$1,243,005$519,963$379,983$1,007,304
64$1,317,505$493,153$340,425$1,042,374
65$1,397,955$463,383$297,894$1,080,149
66$1,484,913$430,455$252,240$1,120,926
67$1,578,989$394,162$203,304$1,165,034
68$1,680,852$354,282$150,921$1,212,839
69$1,791,240$310,584$94,919$1,264,747
70$1,910,965$262,821$35,117$1,321,207
71$2,040,918$210,733$0$1,382,720
72$2,182,080$154,047$0$1,457,190
73$2,335,529$92,473$0$1,547,955
74$2,502,453$25,704$0$1,646,747
75$2,684,157$0$0$1,754,373
76$2,882,079$0$0$1,879,928
77$3,097,798$0$0$2,021,752
78$3,333,056$0$0$2,176,470
79$3,589,768$0$0$2,345,346
80$3,870,042$0$0$2,529,774
81$4,176,198$0$0$2,731,288
82$4,510,791$0$0$2,951,576
83$4,876,635$0$0$3,192,497
84$5,276,826$0$0$3,456,097
85$5,714,774$0$0$3,744,630
86$6,194,233$0$0$4,060,579
87$6,719,338$0$0$4,406,674
88$7,294,643$0$0$4,785,927
89$7,925,162$0$0$5,201,651
90$8,616,417$0$0$5,657,498
91$9,374,491$0$0$6,157,487
92$10,206,084$0$0$6,706,047
93$11,118,574$0$0$7,308,055
94$12,120,090$0$0$7,968,886
95$13,219,584$0$0$8,694,456
96$14,426,918$0$0$9,491,286
97$15,752,957$0$0$10,366,558
98$17,209,669$0$0$11,328,182
99$18,810,237$0$0$12,384,876
100$20,569,187$0$0$13,546,242