Can I retire at age 52 with 632,000?

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 $632,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$52,190$51,725$51,272$50,829$50,397$48,862
2 years$25,837$25,355$24,889$24,437$23,998$22,465
3 years$17,053$16,570$16,105$15,657$15,226$13,742
4 years$12,663$12,181$11,720$11,280$10,859$9,437
5 years$10,029$9,550$9,095$8,664$8,255$6,897
6 years$8,273$7,798$7,350$6,929$6,532$5,241
7 years$7,020$6,549$6,108$5,697$5,312$4,087
8 years$6,081$5,614$5,180$4,779$4,407$3,247
9 years$5,350$4,888$4,462$4,070$3,711$2,616
10 years$4,766$4,308$3,890$3,509$3,162$2,129
11 years$4,289$3,835$3,425$3,054$2,720$1,747
12 years$3,891$3,442$3,039$2,678$2,357$1,443
13 years$3,555$3,111$2,715$2,365$2,055$1,198
14 years$3,267$2,828$2,440$2,099$1,801$999
15 years$3,018$2,583$2,203$1,872$1,586$835
16 years$2,800$2,370$1,997$1,676$1,402$701
17 years$2,608$2,183$1,817$1,506$1,243$589
18 years$2,437$2,017$1,659$1,357$1,105$496
19 years$2,285$1,869$1,519$1,226$985$419
20 years$2,148$1,737$1,394$1,111$880$354
21 years$2,024$1,618$1,282$1,008$787$299
22 years$1,912$1,510$1,182$917$706$253
23 years$1,809$1,413$1,091$835$634$215
24 years$1,716$1,323$1,009$761$569$182
25 years$1,629$1,242$935$695$512$154
26 years$1,550$1,167$867$636$462$131
27 years$1,477$1,099$805$582$416$111
28 years$1,409$1,035$748$533$376$95
29 years$1,345$977$696$489$339$80
30 years$1,286$922$649$449$306$68
31 years$1,231$872$605$412$277$58
32 years$1,180$825$564$379$251$49
33 years$1,132$781$527$348$227$42
34 years$1,087$740$492$320$205$36
35 years$1,044$702$460$295$186$30
36 years$1,004$667$430$272$168$26
37 years$966$633$403$250$153$22
38 years$930$602$377$231$138$19
39 years$896$572$353$213$126$16
40 years$864$544$331$196$114$14
41 years$834$518$311$181$103$12
42 years$805$493$291$167$94$10
43 years$777$470$273$154$85$8
44 years$751$448$257$142$77$7
45 years$726$427$241$132$70$6
46 years$702$408$226$121$64$5
47 years$679$389$213$112$58$4
48 years$658$371$200$104$52$4
49 years$637$355$188$96$48$3
50 years$617$339$177$89$43$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $632,000, adding $5,652 every year, while hoping to spend $33,851 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: 64/19/17 Blend
51$632,000$632,000$632,000$632,000
52$702,294$668,798$659,002$743,927
53$737,911$665,552$645,061$769,311
54$776,026$661,012$629,519$792,648
55$816,859$655,080$612,286$817,330
56$860,649$647,650$593,269$843,489
57$907,661$638,610$572,369$871,272
58$958,184$627,843$549,484$900,841
59$1,012,535$615,224$524,508$932,377
60$1,071,063$600,620$497,329$966,080
61$1,134,152$583,890$467,830$1,002,171
62$1,202,221$564,887$435,889$1,040,896
63$1,275,734$543,453$401,377$1,082,529
64$1,355,198$519,421$364,163$1,127,369
65$1,441,172$492,617$324,105$1,175,752
66$1,534,269$462,852$281,060$1,228,049
67$1,635,164$429,931$234,875$1,284,668
68$1,744,599$393,646$185,392$1,346,065
69$1,863,389$353,776$132,444$1,412,741
70$1,992,433$310,089$75,858$1,485,254
71$2,132,717$262,339$15,455$1,564,218
72$2,285,327$210,267$0$1,650,315
73$2,451,458$153,598$0$1,753,188
74$2,632,425$92,042$0$1,868,350
75$2,829,674$25,294$0$1,993,955
76$3,044,799$0$0$2,131,061
77$3,279,550$0$0$2,290,656
78$3,535,858$0$0$2,470,721
79$3,815,846$0$0$2,667,465
80$4,121,852$0$0$2,882,536
81$4,456,449$0$0$3,117,748
82$4,822,471$0$0$3,375,099
83$5,223,038$0$0$3,656,789
84$5,661,587$0$0$3,965,241
85$6,141,901$0$0$4,303,122
86$6,668,145$0$0$4,673,370
87$7,244,910$0$0$5,079,220
88$7,877,247$0$0$5,524,235
89$8,570,724$0$0$6,012,340
90$9,331,470$0$0$6,547,858
91$10,166,239$0$0$7,135,550
92$11,082,466$0$0$7,780,661
93$12,088,346$0$0$8,488,967
94$13,192,903$0$0$9,266,833
95$14,406,079$0$0$10,121,269
96$15,738,825$0$0$11,059,998
97$17,203,205$0$0$12,091,527
98$18,812,512$0$0$13,225,230
99$20,581,387$0$0$14,471,432
100$22,525,962$0$0$15,841,510