Can I retire at age 52 with 635,000?

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 $635,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$52,438$51,971$51,515$51,070$50,636$48,878
2 years$25,959$25,476$25,007$24,553$24,112$22,360
3 years$17,134$16,649$16,181$15,731$15,298$13,605
4 years$12,723$12,239$11,776$11,334$10,911$9,291
5 years$10,076$9,595$9,139$8,705$8,294$6,752
6 years$8,313$7,835$7,385$6,962$6,563$5,099
7 years$7,053$6,580$6,137$5,724$5,337$3,952
8 years$6,110$5,640$5,205$4,801$4,428$3,119
9 years$5,376$4,911$4,483$4,090$3,729$2,496
10 years$4,789$4,329$3,908$3,525$3,177$2,018
11 years$4,309$3,854$3,441$3,068$2,732$1,644
12 years$3,910$3,459$3,054$2,691$2,368$1,348
13 years$3,572$3,126$2,728$2,376$2,065$1,111
14 years$3,283$2,841$2,451$2,109$1,810$919
15 years$3,032$2,595$2,213$1,881$1,594$763
16 years$2,813$2,381$2,007$1,684$1,409$635
17 years$2,620$2,193$1,826$1,513$1,249$529
18 years$2,449$2,027$1,667$1,364$1,110$442
19 years$2,296$1,878$1,526$1,232$990$370
20 years$2,158$1,745$1,400$1,116$884$310
21 years$2,034$1,626$1,288$1,013$791$260
22 years$1,921$1,517$1,187$921$709$218
23 years$1,818$1,419$1,096$839$637$183
24 years$1,724$1,330$1,014$765$572$154
25 years$1,637$1,248$939$699$515$130
26 years$1,557$1,173$871$639$464$109
27 years$1,484$1,104$809$585$418$92
28 years$1,415$1,040$752$536$377$77
29 years$1,352$981$700$491$341$65
30 years$1,293$927$652$451$308$55
31 years$1,237$876$607$414$278$46
32 years$1,186$829$567$381$252$39
33 years$1,137$785$529$350$228$33
34 years$1,092$744$494$322$206$28
35 years$1,049$706$462$296$187$23
36 years$1,009$670$432$273$169$20
37 years$970$636$405$251$153$17
38 years$934$605$379$232$139$14
39 years$900$575$355$214$126$12
40 years$868$547$333$197$114$10
41 years$838$521$312$182$104$8
42 years$808$496$293$168$94$7
43 years$781$472$275$155$85$6
44 years$754$450$258$143$78$5
45 years$729$429$242$132$70$4
46 years$705$410$227$122$64$4
47 years$683$391$214$113$58$3
48 years$661$373$201$104$53$3
49 years$640$356$189$96$48$2
50 years$620$340$177$89$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $635,000, adding $6,811 every year, while hoping to spend $51,356 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: 27/45/28 Blend
51$635,000$635,000$635,000$635,000
52$706,796$673,141$663,298$719,587
53$724,246$651,482$630,876$708,810
54$741,756$627,041$595,647$692,389
55$759,276$599,627$557,462$673,716
56$776,752$569,038$516,166$652,634
57$794,121$535,062$471,599$628,978
58$811,313$497,472$423,589$602,570
59$828,249$456,030$371,961$573,225
60$844,839$410,484$316,531$540,743
61$860,982$360,567$257,104$504,913
62$876,567$305,999$193,482$465,510
63$891,465$246,482$125,452$422,296
64$905,536$181,701$52,796$375,016
65$918,622$111,325$0$323,401
66$930,544$35,004$0$274,555
67$941,107$0$0$238,096
68$950,090$0$0$221,569
69$957,249$0$0$221,774
70$962,311$0$0$221,294
71$964,972$0$0$220,037
72$964,897$0$0$217,902
73$961,712$0$0$214,775
74$955,001$0$0$210,530
75$944,305$0$0$205,028
76$929,112$0$0$198,115
77$908,857$0$0$189,621
78$882,912$0$0$179,356
79$850,584$0$0$167,112
80$811,102$0$0$152,656
81$763,618$0$0$135,734
82$707,188$0$0$116,063
83$640,771$0$0$93,329
84$563,215$0$0$67,187
85$473,247$0$0$37,256
86$369,458$0$0$3,113
87$250,294$0$0$0
88$114,033$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
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