Can I retire at age 52 with 637,000?

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 $637,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$52,603$52,134$51,677$51,231$50,795$49,831
2 years$26,041$25,556$25,086$24,630$24,188$23,220
3 years$17,188$16,701$16,232$15,781$15,346$14,405
4 years$12,763$12,277$11,813$11,369$10,945$10,038
5 years$10,108$9,625$9,167$8,733$8,320$7,449
6 years$8,339$7,860$7,409$6,984$6,583$5,750
7 years$7,076$6,601$6,157$5,742$5,354$4,559
8 years$6,129$5,658$5,221$4,816$4,442$3,684
9 years$5,393$4,926$4,497$4,103$3,741$3,020
10 years$4,804$4,342$3,921$3,536$3,187$2,503
11 years$4,323$3,866$3,452$3,078$2,741$2,092
12 years$3,922$3,470$3,063$2,700$2,375$1,761
13 years$3,583$3,136$2,737$2,383$2,071$1,491
14 years$3,293$2,850$2,459$2,116$1,816$1,268
15 years$3,042$2,604$2,220$1,887$1,599$1,082
16 years$2,822$2,389$2,013$1,689$1,413$927
17 years$2,629$2,200$1,832$1,518$1,253$796
18 years$2,457$2,033$1,672$1,368$1,114$685
19 years$2,303$1,884$1,531$1,236$993$591
20 years$2,165$1,751$1,405$1,120$887$510
21 years$2,040$1,631$1,292$1,016$794$441
22 years$1,927$1,522$1,191$924$711$382
23 years$1,824$1,424$1,100$841$639$331
24 years$1,729$1,334$1,017$767$574$287
25 years$1,642$1,252$942$701$516$249
26 years$1,562$1,177$874$641$465$217
27 years$1,488$1,107$811$586$419$188
28 years$1,420$1,043$754$537$378$164
29 years$1,356$984$702$493$342$143
30 years$1,297$930$654$452$309$124
31 years$1,241$879$609$415$279$108
32 years$1,189$831$569$382$253$94
33 years$1,141$787$531$351$229$82
34 years$1,095$746$496$323$207$71
35 years$1,052$708$464$297$187$62
36 years$1,012$672$434$274$170$54
37 years$974$638$406$252$154$47
38 years$937$606$380$233$140$41
39 years$903$577$356$214$127$36
40 years$871$549$334$198$115$31
41 years$840$522$313$182$104$27
42 years$811$497$294$168$94$24
43 years$783$474$276$155$86$21
44 years$757$452$259$144$78$18
45 years$732$431$243$133$71$16
46 years$708$411$228$122$64$14
47 years$685$392$214$113$58$12
48 years$663$374$201$105$53$11
49 years$642$357$189$97$48$9
50 years$622$341$178$89$44$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $637,000, adding $4,378 every year, while hoping to spend $46,877 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: 43/43/14 Blend
51$637,000$637,000$637,000$637,000
52$706,490$672,729$662,855$733,819
53$728,675$655,816$635,184$736,486
54$751,552$636,503$605,015$734,359
55$775,142$614,623$572,215$731,035
56$799,466$589,999$536,644$726,424
57$824,547$562,445$498,157$720,431
58$850,408$531,762$456,602$712,957
59$877,072$497,740$411,820$703,894
60$904,563$460,159$363,646$693,131
61$932,906$418,785$311,906$680,548
62$962,127$373,370$256,419$666,021
63$992,251$323,652$196,996$649,416
64$1,023,305$269,356$133,440$630,593
65$1,055,318$210,189$65,546$609,405
66$1,088,315$145,844$0$585,693
67$1,122,328$75,994$0$560,325
68$1,157,384$297$0$542,609
69$1,193,514$0$0$522,596
70$1,230,749$0$0$538,742
71$1,269,120$0$0$555,524
72$1,308,659$0$0$572,815
73$1,349,398$0$0$590,630
74$1,391,372$0$0$608,983
75$1,434,614$0$0$627,888
76$1,479,158$0$0$647,360
77$1,525,039$0$0$667,414
78$1,572,293$0$0$688,066
79$1,620,955$0$0$709,330
80$1,671,062$0$0$731,222
81$1,722,650$0$0$753,758
82$1,775,756$0$0$776,953
83$1,830,417$0$0$800,822
84$1,886,669$0$0$825,382
85$1,944,550$0$0$850,648
86$2,004,097$0$0$876,634
87$2,065,344$0$0$903,357
88$2,128,330$0$0$930,830
89$2,193,087$0$0$959,068
90$2,259,652$0$0$988,086
91$2,328,057$0$0$1,017,896
92$2,398,333$0$0$1,048,511
93$2,470,511$0$0$1,079,943
94$2,544,619$0$0$1,112,201
95$2,620,683$0$0$1,145,297
96$2,698,726$0$0$1,179,237
97$2,778,767$0$0$1,214,029
98$2,860,822$0$0$1,249,676
99$2,944,904$0$0$1,286,181
100$3,031,018$0$0$1,323,545