Can I retire at age 52 with 645,000?

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 $645,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$53,263$52,789$52,326$51,874$51,433$50,109
2 years$26,368$25,877$25,401$24,940$24,492$23,166
3 years$17,404$16,911$16,436$15,979$15,539$14,253
4 years$12,923$12,431$11,961$11,512$11,082$9,847
5 years$10,235$9,746$9,282$8,842$8,425$7,243
6 years$8,444$7,959$7,502$7,071$6,666$5,539
7 years$7,165$6,684$6,234$5,814$5,421$4,350
8 years$6,206$5,729$5,287$4,877$4,498$3,480
9 years$5,460$4,988$4,554$4,154$3,788$2,824
10 years$4,864$4,397$3,970$3,581$3,227$2,316
11 years$4,377$3,914$3,495$3,116$2,775$1,915
12 years$3,971$3,513$3,102$2,734$2,405$1,594
13 years$3,628$3,175$2,771$2,413$2,097$1,334
14 years$3,334$2,886$2,490$2,142$1,839$1,122
15 years$3,080$2,636$2,248$1,911$1,619$946
16 years$2,858$2,419$2,038$1,711$1,431$801
17 years$2,662$2,228$1,855$1,537$1,269$679
18 years$2,488$2,058$1,693$1,385$1,128$577
19 years$2,332$1,908$1,550$1,252$1,005$491
20 years$2,192$1,773$1,422$1,134$898$419
21 years$2,066$1,651$1,308$1,029$804$358
22 years$1,951$1,541$1,206$935$720$306
23 years$1,847$1,442$1,113$852$647$261
24 years$1,751$1,351$1,030$777$581$224
25 years$1,663$1,268$954$710$523$192
26 years$1,582$1,191$885$649$471$164
27 years$1,507$1,121$821$594$425$141
28 years$1,438$1,056$764$544$383$121
29 years$1,373$997$711$499$346$104
30 years$1,313$941$662$458$313$89
31 years$1,257$890$617$421$283$76
32 years$1,204$842$576$387$256$66
33 years$1,155$797$538$355$231$56
34 years$1,109$756$502$327$210$48
35 years$1,065$717$470$301$190$42
36 years$1,024$680$439$277$172$36
37 years$986$646$411$255$156$31
38 years$949$614$385$235$141$26
39 years$915$584$361$217$128$23
40 years$882$556$338$200$116$19
41 years$851$529$317$185$105$17
42 years$821$504$297$171$96$14
43 years$793$480$279$157$87$12
44 years$766$457$262$145$79$11
45 years$741$436$246$134$72$9
46 years$717$416$231$124$65$8
47 years$693$397$217$115$59$7
48 years$671$379$204$106$54$6
49 years$650$362$192$98$49$5
50 years$630$346$180$90$44$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $645,000, adding $3,998 every year, while hoping to spend $44,618 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: 72/9/19 Blend
51$645,000$645,000$645,000$645,000
52$714,914$680,729$670,731$762,870
53$740,362$666,611$645,728$781,164
54$766,910$650,307$618,391$795,447
55$794,624$631,661$588,596$809,955
56$823,573$610,510$556,212$824,703
57$853,834$586,681$521,101$839,707
58$885,489$559,992$483,122$854,988
59$918,626$530,249$442,124$870,569
60$953,343$497,248$397,951$886,476
61$989,742$460,771$350,441$902,740
62$1,027,937$420,591$299,422$919,395
63$1,068,051$376,464$244,717$936,482
64$1,110,218$328,137$186,141$954,046
65$1,154,582$275,337$123,499$972,138
66$1,201,302$217,781$56,589$990,817
67$1,250,550$155,167$0$1,010,151
68$1,302,512$87,177$0$1,033,217
69$1,357,393$13,473$0$1,069,537
70$1,415,416$0$0$1,107,768
71$1,476,823$0$0$1,154,633
72$1,541,881$0$0$1,205,713
73$1,610,878$0$0$1,259,901
74$1,684,133$0$0$1,317,450
75$1,761,992$0$0$1,378,634
76$1,844,834$0$0$1,443,753
77$1,933,073$0$0$1,513,135
78$2,027,166$0$0$1,587,142
79$2,127,608$0$0$1,666,166
80$2,234,947$0$0$1,750,641
81$2,349,779$0$0$1,841,040
82$2,472,760$0$0$1,937,882
83$2,604,610$0$0$2,041,738
84$2,746,116$0$0$2,153,231
85$2,898,145$0$0$2,273,049
86$3,061,647$0$0$2,401,945
87$3,237,664$0$0$2,540,744
88$3,427,343$0$0$2,690,356
89$3,631,941$0$0$2,851,778
90$3,852,840$0$0$3,026,105
91$4,091,561$0$0$3,214,542
92$4,349,771$0$0$3,418,413
93$4,629,307$0$0$3,639,172
94$4,932,184$0$0$3,878,419
95$5,260,622$0$0$4,137,913
96$5,617,059$0$0$4,419,588
97$6,004,178$0$0$4,725,572
98$6,424,930$0$0$5,058,204
99$6,882,560$0$0$5,420,059
100$7,380,641$0$0$5,813,970