Can I retire at age 52 with 651,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%13.4%
1 years$53,759$53,280$52,813$52,357$51,912$51,178
2 years$26,613$26,118$25,637$25,172$24,720$23,982
3 years$17,566$17,068$16,589$16,128$15,683$14,965
4 years$13,043$12,547$12,073$11,619$11,185$10,491
5 years$10,330$9,837$9,369$8,925$8,503$7,835
6 years$8,522$8,033$7,571$7,137$6,728$6,087
7 years$7,231$6,746$6,292$5,868$5,472$4,858
8 years$6,263$5,782$5,336$4,922$4,539$3,953
9 years$5,511$5,035$4,596$4,193$3,823$3,264
10 years$4,910$4,438$4,007$3,614$3,257$2,725
11 years$4,418$3,951$3,528$3,145$2,801$2,295
12 years$4,008$3,546$3,131$2,759$2,428$1,947
13 years$3,662$3,204$2,797$2,436$2,117$1,661
14 years$3,365$2,913$2,513$2,162$1,856$1,424
15 years$3,109$2,661$2,269$1,928$1,634$1,226
16 years$2,884$2,441$2,057$1,727$1,444$1,059
17 years$2,686$2,248$1,872$1,551$1,280$917
18 years$2,511$2,078$1,709$1,398$1,138$796
19 years$2,354$1,925$1,564$1,263$1,015$692
20 years$2,213$1,789$1,436$1,144$906$603
21 years$2,085$1,667$1,321$1,038$811$527
22 years$1,969$1,556$1,217$944$727$460
23 years$1,864$1,455$1,124$860$653$403
24 years$1,767$1,363$1,039$784$587$353
25 years$1,678$1,279$963$716$528$309
26 years$1,597$1,202$893$655$475$271
27 years$1,521$1,132$829$599$429$238
28 years$1,451$1,066$771$549$387$209
29 years$1,386$1,006$717$504$349$184
30 years$1,325$950$668$462$316$161
31 years$1,269$898$623$424$285$142
32 years$1,216$850$581$390$258$125
33 years$1,166$805$543$359$234$110
34 years$1,119$763$507$330$211$97
35 years$1,075$723$474$304$192$85
36 years$1,034$687$443$280$174$75
37 years$995$652$415$258$157$66
38 years$958$620$389$238$143$58
39 years$923$589$364$219$129$51
40 years$890$561$341$202$117$45
41 years$859$534$320$186$106$40
42 years$829$508$300$172$97$35
43 years$800$484$282$159$88$31
44 years$773$462$264$147$80$27
45 years$748$440$248$135$72$24
46 years$723$420$233$125$66$21
47 years$700$401$219$116$60$19
48 years$677$383$206$107$54$16
49 years$656$365$193$99$49$14
50 years$636$349$182$91$45$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $651,000, adding $6,154 every year, while hoping to spend $32,127 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: 64/31/5 Blend
51$651,000$651,000$651,000$651,000
52$723,750$689,247$679,156$769,156
53$763,389$688,837$667,725$799,719
54$805,996$687,330$654,834$828,700
55$851,837$684,639$640,401$859,502
56$901,208$680,671$624,338$892,296
57$954,434$675,326$606,556$927,275
58$1,011,869$668,500$586,959$964,651
59$1,073,906$660,082$565,448$1,004,658
60$1,140,973$649,955$541,919$1,047,557
61$1,213,543$637,994$516,265$1,093,634
62$1,292,136$624,067$488,371$1,143,207
63$1,377,321$608,034$458,119$1,196,626
64$1,469,728$589,747$425,385$1,254,281
65$1,570,045$569,050$390,040$1,316,600
66$1,679,032$545,776$351,949$1,384,058
67$1,797,524$519,750$310,971$1,457,179
68$1,926,440$490,786$266,957$1,536,545
69$2,066,792$458,689$219,755$1,622,796
70$2,219,690$423,251$169,202$1,716,641
71$2,386,360$384,251$115,132$1,818,863
72$2,568,148$341,459$57,368$1,930,329
73$2,766,538$294,629$0$2,051,995
74$2,983,161$243,503$0$2,185,146
75$3,219,815$187,806$0$2,334,004
76$3,478,477$127,249$0$2,496,806
77$3,761,325$61,528$0$2,674,988
78$4,070,757$0$0$2,870,137
79$4,409,413$0$0$3,087,307
80$4,780,200$0$0$3,348,105
81$5,186,320$0$0$3,633,800
82$5,631,299$0$0$3,946,878
83$6,119,018$0$0$4,290,076
84$6,653,754$0$0$4,666,411
85$7,240,217$0$0$5,079,201
86$7,883,594$0$0$5,532,106
87$8,589,600$0$0$6,029,155
88$9,364,527$0$0$6,574,785
89$10,215,309$0$0$7,173,884
90$11,149,582$0$0$7,831,839
91$12,175,758$0$0$8,554,581
92$13,303,105$0$0$9,348,645
93$14,541,833$0$0$10,221,231
94$15,903,188$0$0$11,180,270
95$17,399,560$0$0$12,234,500
96$19,044,602$0$0$13,393,548
97$20,853,352$0$0$14,668,018
98$22,842,379$0$0$16,069,598
99$25,029,940$0$0$17,611,159
100$27,436,148$0$0$19,306,888