Can I retire at age 52 with 638,000?

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 $638,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$52,685$52,216$51,758$51,311$50,875$49,807
2 years$26,082$25,596$25,125$24,669$24,226$23,155
3 years$17,215$16,727$16,258$15,806$15,370$14,330
4 years$12,783$12,296$11,832$11,387$10,962$9,960
5 years$10,124$9,641$9,182$8,746$8,333$7,373
6 years$8,352$7,872$7,420$6,995$6,594$5,675
7 years$7,087$6,611$6,166$5,751$5,363$4,487
8 years$6,138$5,667$5,229$4,824$4,449$3,615
9 years$5,401$4,934$4,504$4,109$3,746$2,955
10 years$4,812$4,349$3,927$3,542$3,192$2,441
11 years$4,330$3,872$3,457$3,083$2,745$2,034
12 years$3,928$3,475$3,068$2,704$2,379$1,707
13 years$3,589$3,140$2,741$2,387$2,075$1,440
14 years$3,298$2,855$2,463$2,119$1,819$1,220
15 years$3,047$2,608$2,224$1,890$1,601$1,038
16 years$2,827$2,393$2,016$1,692$1,415$886
17 years$2,633$2,203$1,835$1,520$1,255$758
18 years$2,461$2,036$1,675$1,370$1,116$650
19 years$2,307$1,887$1,533$1,238$994$558
20 years$2,168$1,754$1,407$1,121$888$480
21 years$2,043$1,633$1,294$1,018$795$414
22 years$1,930$1,525$1,193$925$713$357
23 years$1,827$1,426$1,101$843$640$308
24 years$1,732$1,336$1,019$769$575$266
25 years$1,645$1,254$943$702$517$230
26 years$1,565$1,178$875$642$466$199
27 years$1,491$1,109$812$587$420$173
28 years$1,422$1,045$755$538$379$150
29 years$1,358$986$703$494$342$130
30 years$1,299$931$655$453$309$112
31 years$1,243$880$610$416$280$97
32 years$1,191$833$569$382$253$84
33 years$1,143$789$532$352$229$73
34 years$1,097$747$497$323$207$64
35 years$1,054$709$464$298$188$55
36 years$1,013$673$435$274$170$48
37 years$975$639$407$253$154$42
38 years$939$607$381$233$140$36
39 years$905$578$357$215$127$31
40 years$872$549$334$198$115$27
41 years$841$523$314$183$104$24
42 years$812$498$294$169$95$21
43 years$784$475$276$156$86$18
44 years$758$452$259$144$78$15
45 years$733$431$243$133$71$13
46 years$709$412$229$123$64$12
47 years$686$393$215$113$58$10
48 years$664$375$202$105$53$9
49 years$643$358$190$97$48$8
50 years$623$342$178$89$44$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $638,000, adding $5,009 every year, while hoping to spend $40,709 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: 43/46/11 Blend
51$638,000$638,000$638,000$638,000
52$708,243$674,429$664,540$736,233
53$737,169$664,162$643,488$745,990
54$767,682$652,027$620,366$752,061
55$799,900$637,891$595,063$757,728
56$833,952$621,610$567,460$762,972
57$869,981$603,034$537,435$767,772
58$908,139$582,003$504,859$772,110
59$948,596$558,348$469,599$775,970
60$991,537$531,891$431,514$779,337
61$1,037,162$502,442$390,459$782,198
62$1,085,693$469,802$346,279$784,544
63$1,137,370$433,758$298,816$786,370
64$1,192,457$394,088$247,902$787,674
65$1,251,244$350,555$193,363$788,458
66$1,314,048$302,909$135,018$788,733
67$1,381,216$250,887$72,676$788,514
68$1,453,129$194,209$6,139$787,825
69$1,530,205$132,582$0$786,698
70$1,612,901$65,693$0$792,789
71$1,701,720$0$0$799,803
72$1,797,215$0$0$810,547
73$1,899,990$0$0$857,954
74$2,010,712$0$0$909,086
75$2,130,110$0$0$964,287
76$2,258,988$0$0$1,023,936
77$2,398,226$0$0$1,088,451
78$2,548,795$0$0$1,158,289
79$2,711,760$0$0$1,233,952
80$2,888,290$0$0$1,315,995
81$3,079,675$0$0$1,405,026
82$3,287,330$0$0$1,501,715
83$3,512,811$0$0$1,606,797
84$3,757,832$0$0$1,721,082
85$4,024,277$0$0$1,845,462
86$4,314,218$0$0$1,980,917
87$4,629,937$0$0$2,128,526
88$4,973,942$0$0$2,289,475
89$5,348,995$0$0$2,465,073
90$5,758,138$0$0$2,656,756
91$6,204,714$0$0$2,866,110
92$6,692,407$0$0$3,094,875
93$7,225,272$0$0$3,344,972
94$7,807,772$0$0$3,618,513
95$8,444,820$0$0$3,917,825
96$9,141,828$0$0$4,245,468
97$9,904,753$0$0$4,604,264
98$10,740,156$0$0$4,997,318
99$11,655,262$0$0$5,428,052
100$12,658,026$0$0$5,900,232