Can I retire at age 52 with 634,000?

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 $634,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$52,355$51,889$51,434$50,990$50,556$48,666
2 years$25,918$25,436$24,968$24,514$24,074$22,191
3 years$17,107$16,622$16,156$15,707$15,274$13,457
4 years$12,703$12,219$11,757$11,316$10,893$9,158
5 years$10,060$9,580$9,124$8,692$8,281$6,630
6 years$8,300$7,823$7,374$6,951$6,552$4,988
7 years$7,042$6,570$6,128$5,715$5,329$3,850
8 years$6,100$5,631$5,197$4,794$4,421$3,027
9 years$5,367$4,903$4,476$4,083$3,723$2,411
10 years$4,781$4,322$3,902$3,520$3,172$1,941
11 years$4,302$3,848$3,435$3,063$2,728$1,574
12 years$3,904$3,453$3,049$2,687$2,364$1,285
13 years$3,566$3,121$2,724$2,372$2,062$1,053
14 years$3,278$2,837$2,447$2,106$1,807$867
15 years$3,027$2,591$2,210$1,878$1,591$716
16 years$2,809$2,378$2,003$1,681$1,406$593
17 years$2,616$2,190$1,823$1,511$1,247$492
18 years$2,445$2,023$1,664$1,362$1,109$409
19 years$2,292$1,875$1,524$1,230$988$340
20 years$2,155$1,743$1,398$1,114$883$284
21 years$2,031$1,623$1,286$1,011$790$237
22 years$1,918$1,515$1,185$919$708$198
23 years$1,815$1,417$1,094$837$636$165
24 years$1,721$1,328$1,012$764$571$138
25 years$1,635$1,246$937$697$514$115
26 years$1,555$1,171$869$638$463$97
27 years$1,481$1,102$807$584$417$81
28 years$1,413$1,038$751$535$377$68
29 years$1,350$980$698$490$340$57
30 years$1,291$925$651$450$307$47
31 years$1,235$875$607$413$278$40
32 years$1,184$828$566$380$251$33
33 years$1,135$784$528$349$227$28
34 years$1,090$743$494$321$206$23
35 years$1,047$705$462$296$187$20
36 years$1,007$669$432$273$169$16
37 years$969$635$404$251$153$14
38 years$933$604$378$231$139$12
39 years$899$574$355$213$126$10
40 years$867$546$332$197$114$8
41 years$836$520$312$182$104$7
42 years$807$495$292$168$94$6
43 years$780$472$274$155$85$5
44 years$753$450$257$143$77$4
45 years$728$429$242$132$70$3
46 years$704$409$227$122$64$3
47 years$682$390$213$113$58$2
48 years$660$373$200$104$53$2
49 years$639$356$188$96$48$2
50 years$619$340$177$89$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $634,000, adding $2,372 every year, while hoping to spend $41,460 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: 80/5/15 Blend
51$634,000$634,000$634,000$634,000
52$701,115$667,513$657,686$754,854
53$728,515$656,108$635,605$779,136
54$757,321$642,754$611,395$800,202
55$787,632$627,313$584,941$822,140
56$819,556$609,637$556,122$845,021
57$853,211$589,570$524,812$868,921
58$888,726$566,946$490,881$893,924
59$926,241$541,591$454,190$920,124
60$965,908$513,320$414,597$947,623
61$1,007,895$481,937$371,950$976,535
62$1,052,384$447,236$326,094$1,006,987
63$1,099,574$408,997$276,865$1,039,115
64$1,149,682$366,989$224,091$1,073,075
65$1,202,947$320,969$167,596$1,109,035
66$1,259,629$270,678$107,191$1,147,184
67$1,320,013$215,843$42,684$1,187,727
68$1,384,410$156,175$0$1,230,894
69$1,453,164$91,372$0$1,281,123
70$1,526,648$21,110$0$1,342,071
71$1,605,273$0$0$1,407,243
72$1,689,490$0$0$1,480,039
73$1,779,792$0$0$1,559,353
74$1,876,721$0$0$1,644,499
75$1,980,871$0$0$1,736,002
76$2,092,895$0$0$1,834,438
77$2,213,511$0$0$1,940,436
78$2,343,503$0$0$2,054,692
79$2,483,738$0$0$2,177,965
80$2,635,165$0$0$2,311,095
81$2,798,827$0$0$2,454,999
82$2,975,870$0$0$2,610,688
83$3,167,557$0$0$2,779,275
84$3,375,272$0$0$2,961,979
85$3,600,540$0$0$3,160,145
86$3,845,036$0$0$3,375,249
87$4,110,604$0$0$3,608,916
88$4,399,272$0$0$3,862,933
89$4,713,269$0$0$4,139,266
90$5,055,049$0$0$4,440,077
91$5,427,314$0$0$4,767,748
92$5,833,034$0$0$5,124,896
93$6,275,480$0$0$5,514,405
94$6,758,251$0$0$5,939,447
95$7,285,309$0$0$6,403,514
96$7,861,015$0$0$6,910,451
97$8,490,169$0$0$7,464,489
98$9,178,059$0$0$8,070,288
99$9,930,502$0$0$8,732,978
100$10,753,908$0$0$9,458,208