Can I retire at age 52 with 639,000?

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 $639,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$52,768$52,298$51,839$51,392$50,955$48,933
2 years$26,123$25,636$25,165$24,708$24,264$22,252
3 years$17,242$16,754$16,283$15,830$15,394$13,456
4 years$12,803$12,316$11,850$11,405$10,979$9,129
5 years$10,140$9,656$9,196$8,760$8,346$6,589
6 years$8,365$7,885$7,432$7,005$6,604$4,940
7 years$7,098$6,621$6,176$5,760$5,371$3,800
8 years$6,148$5,676$5,238$4,832$4,456$2,977
9 years$5,410$4,942$4,511$4,115$3,752$2,363
10 years$4,819$4,356$3,933$3,548$3,197$1,894
11 years$4,336$3,878$3,463$3,087$2,750$1,531
12 years$3,934$3,481$3,073$2,708$2,383$1,244
13 years$3,594$3,145$2,745$2,391$2,078$1,016
14 years$3,303$2,859$2,467$2,122$1,821$833
15 years$3,051$2,612$2,227$1,893$1,604$685
16 years$2,831$2,396$2,019$1,695$1,417$565
17 years$2,637$2,207$1,837$1,523$1,257$467
18 years$2,464$2,039$1,677$1,372$1,117$386
19 years$2,310$1,890$1,536$1,240$996$320
20 years$2,172$1,756$1,409$1,123$890$265
21 years$2,047$1,636$1,296$1,019$796$220
22 years$1,933$1,527$1,195$927$714$183
23 years$1,829$1,428$1,103$844$641$152
24 years$1,735$1,338$1,020$770$576$127
25 years$1,647$1,256$945$703$518$105
26 years$1,567$1,180$876$643$467$88
27 years$1,493$1,111$814$588$421$73
28 years$1,424$1,047$756$539$380$61
29 years$1,360$987$704$494$343$51
30 years$1,301$932$656$454$310$42
31 years$1,245$882$611$417$280$35
32 years$1,193$834$570$383$253$29
33 years$1,144$790$533$352$229$24
34 years$1,099$749$498$324$208$20
35 years$1,055$710$465$298$188$17
36 years$1,015$674$435$275$170$14
37 years$977$640$407$253$154$12
38 years$940$608$381$233$140$10
39 years$906$578$357$215$127$8
40 years$874$550$335$198$115$7
41 years$843$524$314$183$104$6
42 years$814$499$295$169$95$5
43 years$786$475$276$156$86$4
44 years$759$453$260$144$78$3
45 years$734$432$244$133$71$3
46 years$710$412$229$123$64$2
47 years$687$393$215$113$58$2
48 years$665$376$202$105$53$2
49 years$644$359$190$97$48$1
50 years$624$343$179$90$44$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $639,000, adding $2,094 every year, while hoping to spend $45,647 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: 58/29/13 Blend
51$639,000$639,000$639,000$639,000
52$706,338$672,471$662,566$744,887
53$729,816$656,854$636,194$755,542
54$754,160$638,942$607,409$761,904
55$779,408$618,574$576,081$767,759
56$805,604$595,580$542,076$773,065
57$832,792$569,781$505,253$777,777
58$861,022$540,985$465,464$781,850
59$890,345$508,992$422,555$785,233
60$920,816$473,589$376,367$787,876
61$952,495$434,549$326,730$789,727
62$985,443$391,637$273,470$790,728
63$1,019,730$344,599$216,403$790,824
64$1,055,428$293,170$155,338$789,953
65$1,092,616$237,069$90,075$788,054
66$1,131,377$175,999$20,407$785,063
67$1,171,801$109,647$0$780,912
68$1,213,988$37,683$0$783,016
69$1,258,041$0$0$787,329
70$1,304,075$0$0$803,820
71$1,352,212$0$0$833,653
72$1,402,586$0$0$864,885
73$1,455,340$0$0$897,608
74$1,510,630$0$0$931,920
75$1,568,625$0$0$967,930
76$1,629,509$0$0$1,005,752
77$1,693,481$0$0$1,045,514
78$1,760,758$0$0$1,087,352
79$1,831,574$0$0$1,131,417
80$1,906,188$0$0$1,177,870
81$1,984,878$0$0$1,226,890
82$2,067,948$0$0$1,278,670
83$2,155,730$0$0$1,333,420
84$2,248,588$0$0$1,391,371
85$2,346,915$0$0$1,452,774
86$2,451,144$0$0$1,517,904
87$2,561,747$0$0$1,587,061
88$2,679,241$0$0$1,660,573
89$2,804,189$0$0$1,738,800
90$2,937,208$0$0$1,822,135
91$3,078,977$0$0$1,911,008
92$3,230,234$0$0$2,005,892
93$3,391,791$0$0$2,107,302
94$3,564,537$0$0$2,215,806
95$3,749,447$0$0$2,332,024
96$3,947,589$0$0$2,456,638
97$4,160,137$0$0$2,590,395
98$4,388,376$0$0$2,734,115
99$4,633,718$0$0$2,888,700
100$4,897,714$0$0$3,055,136