Can I retire at age 52 with 642,000?

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 $642,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$53,016$52,544$52,083$51,633$51,194$49,775
2 years$26,245$25,757$25,283$24,824$24,378$22,959
3 years$17,323$16,832$16,360$15,905$15,466$14,092
4 years$12,863$12,373$11,906$11,458$11,031$9,711
5 years$10,187$9,701$9,239$8,801$8,385$7,124
6 years$8,404$7,922$7,467$7,038$6,635$5,434
7 years$7,131$6,653$6,205$5,787$5,396$4,254
8 years$6,177$5,702$5,262$4,854$4,477$3,394
9 years$5,435$4,965$4,532$4,135$3,770$2,746
10 years$4,842$4,376$3,951$3,564$3,212$2,245
11 years$4,357$3,896$3,479$3,102$2,763$1,850
12 years$3,953$3,497$3,087$2,721$2,394$1,535
13 years$3,611$3,160$2,758$2,402$2,088$1,281
14 years$3,319$2,873$2,478$2,132$1,830$1,073
15 years$3,066$2,624$2,238$1,902$1,611$902
16 years$2,844$2,408$2,029$1,703$1,424$760
17 years$2,649$2,217$1,846$1,530$1,263$643
18 years$2,476$2,049$1,685$1,379$1,123$544
19 years$2,321$1,899$1,543$1,246$1,001$462
20 years$2,182$1,765$1,416$1,128$894$392
21 years$2,056$1,644$1,302$1,024$800$333
22 years$1,942$1,534$1,200$931$717$284
23 years$1,838$1,435$1,108$848$644$242
24 years$1,743$1,344$1,025$773$578$206
25 years$1,655$1,262$949$706$521$176
26 years$1,575$1,186$880$646$469$150
27 years$1,500$1,116$818$591$423$128
28 years$1,431$1,052$760$542$381$110
29 years$1,367$992$707$497$344$94
30 years$1,307$937$659$456$311$80
31 years$1,251$886$614$419$281$68
32 years$1,199$838$573$385$255$59
33 years$1,150$794$535$354$230$50
34 years$1,104$752$500$326$209$43
35 years$1,060$713$467$300$189$37
36 years$1,020$677$437$276$171$31
37 years$981$643$409$254$155$27
38 years$945$611$383$234$141$23
39 years$910$581$359$216$128$20
40 years$878$553$337$199$116$17
41 years$847$526$316$184$105$14
42 years$817$501$296$170$95$12
43 years$789$478$278$157$86$11
44 years$763$455$261$145$78$9
45 years$737$434$245$134$71$8
46 years$713$414$230$123$65$7
47 years$690$395$216$114$59$6
48 years$668$377$203$105$53$5
49 years$647$360$191$97$48$4
50 years$627$344$179$90$44$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $642,000, adding $3,083 every year, while hoping to spend $31,491 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: 43/45/12 Blend
51$642,000$642,000$642,000$642,000
52$710,664$676,638$666,687$738,622
53$749,646$676,287$655,515$758,109
54$791,548$674,864$642,913$775,803
55$836,635$672,282$628,800$794,275
56$885,199$668,450$613,092$813,610
57$937,558$663,273$595,699$833,900
58$994,062$656,646$576,528$855,253
59$1,055,097$648,463$555,483$877,789
60$1,121,087$638,607$532,461$901,640
61$1,192,496$626,958$507,357$926,957
62$1,269,836$613,384$480,059$953,907
63$1,353,670$597,750$450,452$982,678
64$1,444,616$579,911$418,413$1,013,480
65$1,543,353$559,714$383,816$1,046,547
66$1,650,631$536,995$346,530$1,082,139
67$1,767,271$511,583$306,414$1,120,550
68$1,894,179$483,297$263,325$1,162,105
69$2,032,351$451,945$217,113$1,207,165
70$2,182,883$417,322$167,618$1,256,136
71$2,346,981$379,215$114,677$1,309,466
72$2,525,972$337,396$58,119$1,367,657
73$2,721,318$291,626$0$1,431,265
74$2,934,627$241,650$0$1,501,197
75$3,167,669$187,201$0$1,585,814
76$3,422,393$127,995$0$1,678,457
77$3,700,945$63,735$0$1,780,001
78$4,005,688$0$0$1,891,417
79$4,339,223$0$0$2,016,700
80$4,704,414$0$0$2,188,505
81$5,104,416$0$0$2,376,768
82$5,542,704$0$0$2,583,131
83$6,023,102$0$0$2,809,407
84$6,549,825$0$0$3,057,592
85$7,127,512$0$0$3,329,883
86$7,761,277$0$0$3,628,701
87$8,456,749$0$0$3,956,712
88$9,220,129$0$0$4,316,853
89$10,058,249$0$0$4,712,360
90$10,978,633$0$0$5,146,797
91$11,989,572$0$0$5,624,091
92$13,100,196$0$0$6,148,567
93$14,320,567$0$0$6,724,991
94$15,661,766$0$0$7,358,611
95$17,136,003$0$0$8,055,213
96$18,756,730$0$0$8,821,167
97$20,538,765$0$0$9,663,496
98$22,498,437$0$0$10,589,932
99$24,653,734$0$0$11,608,999
100$27,024,476$0$0$12,730,086