Can I retire at age 52 with 651,000?

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 $651,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$53,759$53,280$52,813$52,357$51,912$50,412
2 years$26,613$26,118$25,637$25,172$24,720$23,220
3 years$17,566$17,068$16,589$16,128$15,683$14,232
4 years$13,043$12,547$12,073$11,619$11,185$9,793
5 years$10,330$9,837$9,369$8,925$8,503$7,173
6 years$8,522$8,033$7,571$7,137$6,728$5,462
7 years$7,231$6,746$6,292$5,868$5,472$4,269
8 years$6,263$5,782$5,336$4,922$4,539$3,400
9 years$5,511$5,035$4,596$4,193$3,823$2,745
10 years$4,910$4,438$4,007$3,614$3,257$2,240
11 years$4,418$3,951$3,528$3,145$2,801$1,843
12 years$4,008$3,546$3,131$2,759$2,428$1,526
13 years$3,662$3,204$2,797$2,436$2,117$1,271
14 years$3,365$2,913$2,513$2,162$1,856$1,062
15 years$3,109$2,661$2,269$1,928$1,634$891
16 years$2,884$2,441$2,057$1,727$1,444$750
17 years$2,686$2,248$1,872$1,551$1,280$632
18 years$2,511$2,078$1,709$1,398$1,138$534
19 years$2,354$1,925$1,564$1,263$1,015$452
20 years$2,213$1,789$1,436$1,144$906$383
21 years$2,085$1,667$1,321$1,038$811$325
22 years$1,969$1,556$1,217$944$727$276
23 years$1,864$1,455$1,124$860$653$235
24 years$1,767$1,363$1,039$784$587$200
25 years$1,678$1,279$963$716$528$170
26 years$1,597$1,202$893$655$475$145
27 years$1,521$1,132$829$599$429$123
28 years$1,451$1,066$771$549$387$105
29 years$1,386$1,006$717$504$349$90
30 years$1,325$950$668$462$316$76
31 years$1,269$898$623$424$285$65
32 years$1,216$850$581$390$258$56
33 years$1,166$805$543$359$234$47
34 years$1,119$763$507$330$211$40
35 years$1,075$723$474$304$192$34
36 years$1,034$687$443$280$174$29
37 years$995$652$415$258$157$25
38 years$958$620$389$238$143$21
39 years$923$589$364$219$129$18
40 years$890$561$341$202$117$16
41 years$859$534$320$186$106$13
42 years$829$508$300$172$97$11
43 years$800$484$282$159$88$10
44 years$773$462$264$147$80$8
45 years$748$440$248$135$72$7
46 years$723$420$233$125$66$6
47 years$700$401$219$116$60$5
48 years$677$383$206$107$54$4
49 years$656$365$193$99$49$4
50 years$636$349$182$91$45$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $651,000, adding $4,095 every year, while hoping to spend $26,997 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: 75/11/14 Blend
51$651,000$651,000$651,000$651,000
52$721,626$687,123$677,032$773,305
53$766,507$692,067$670,988$812,948
54$815,062$696,349$663,837$852,616
55$867,635$699,908$655,513$895,355
56$924,608$702,678$645,947$941,462
57$986,400$704,590$635,068$991,266
58$1,053,470$705,572$622,800$1,045,126
59$1,126,324$705,546$609,064$1,103,441
60$1,205,520$704,428$593,778$1,166,650
61$1,291,670$702,132$576,856$1,235,237
62$1,385,447$698,563$558,208$1,309,734
63$1,487,593$693,623$537,739$1,390,729
64$1,598,924$687,208$515,350$1,478,872
65$1,720,339$679,205$490,938$1,574,875
66$1,852,824$669,497$464,396$1,679,528
67$1,997,470$657,960$435,610$1,793,698
68$2,155,472$644,460$404,463$1,918,344
69$2,328,150$628,859$370,833$2,054,520
70$2,516,954$611,006$334,589$2,203,392
71$2,723,484$590,746$295,598$2,366,242
72$2,949,499$567,911$253,720$2,544,486
73$3,196,935$542,327$208,807$2,739,683
74$3,467,928$513,807$160,708$2,953,554
75$3,764,827$482,153$109,262$3,187,995
76$4,090,220$447,159$54,302$3,445,096
77$4,446,955$408,603$0$3,727,164
78$4,838,173$366,253$0$4,037,388
79$5,267,331$319,864$0$4,386,620
80$5,738,236$269,174$0$4,769,856
81$6,255,084$213,911$0$5,190,532
82$6,822,493$153,783$0$5,652,432
83$7,445,554$88,485$0$6,159,728
84$8,129,872$17,693$0$6,717,015
85$8,881,625$0$0$7,329,360
86$9,707,616$0$0$8,009,475
87$10,615,339$0$0$8,759,272
88$11,613,053$0$0$9,583,432
89$12,709,855$0$0$10,489,474
90$13,915,767$0$0$11,485,681
91$15,241,831$0$0$12,581,179
92$16,700,214$0$0$13,786,022
93$18,304,319$0$0$15,111,288
94$20,068,914$0$0$16,569,183
95$22,010,271$0$0$18,173,155
96$24,146,318$0$0$19,938,020
97$26,496,808$0$0$21,880,104
98$29,083,506$0$0$24,017,395
99$31,930,393$0$0$26,369,714
100$35,063,896$0$0$28,958,900