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%14.4%
1 years$53,759$53,280$52,813$52,357$51,912$50,968
2 years$26,613$26,118$25,637$25,172$24,720$23,772
3 years$17,566$17,068$16,589$16,128$15,683$14,762
4 years$13,043$12,547$12,073$11,619$11,185$10,297
5 years$10,330$9,837$9,369$8,925$8,503$7,650
6 years$8,522$8,033$7,571$7,137$6,728$5,911
7 years$7,231$6,746$6,292$5,868$5,472$4,692
8 years$6,263$5,782$5,336$4,922$4,539$3,796
9 years$5,511$5,035$4,596$4,193$3,823$3,115
10 years$4,910$4,438$4,007$3,614$3,257$2,585
11 years$4,418$3,951$3,528$3,145$2,801$2,164
12 years$4,008$3,546$3,131$2,759$2,428$1,824
13 years$3,662$3,204$2,797$2,436$2,117$1,546
14 years$3,365$2,913$2,513$2,162$1,856$1,316
15 years$3,109$2,661$2,269$1,928$1,634$1,125
16 years$2,884$2,441$2,057$1,727$1,444$965
17 years$2,686$2,248$1,872$1,551$1,280$830
18 years$2,511$2,078$1,709$1,398$1,138$715
19 years$2,354$1,925$1,564$1,263$1,015$618
20 years$2,213$1,789$1,436$1,144$906$534
21 years$2,085$1,667$1,321$1,038$811$463
22 years$1,969$1,556$1,217$944$727$401
23 years$1,864$1,455$1,124$860$653$348
24 years$1,767$1,363$1,039$784$587$303
25 years$1,678$1,279$963$716$528$263
26 years$1,597$1,202$893$655$475$229
27 years$1,521$1,132$829$599$429$199
28 years$1,451$1,066$771$549$387$174
29 years$1,386$1,006$717$504$349$151
30 years$1,325$950$668$462$316$132
31 years$1,269$898$623$424$285$115
32 years$1,216$850$581$390$258$100
33 years$1,166$805$543$359$234$88
34 years$1,119$763$507$330$211$77
35 years$1,075$723$474$304$192$67
36 years$1,034$687$443$280$174$58
37 years$995$652$415$258$157$51
38 years$958$620$389$238$143$44
39 years$923$589$364$219$129$39
40 years$890$561$341$202$117$34
41 years$859$534$320$186$106$30
42 years$829$508$300$172$97$26
43 years$800$484$282$159$88$23
44 years$773$462$264$147$80$20
45 years$748$440$248$135$72$17
46 years$723$420$233$125$66$15
47 years$700$401$219$116$60$13
48 years$677$383$206$107$54$12
49 years$656$365$193$99$49$10
50 years$636$349$182$91$45$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $651,000, adding $5,217 every year, while hoping to spend $51,958 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: 51/19/30 Blend
51$651,000$651,000$651,000$651,000
52$722,783$688,280$678,190$753,288
53$741,224$666,723$645,626$753,590
54$759,805$642,368$610,230$748,328
55$778,484$615,024$571,853$741,606
56$797,216$584,486$530,336$733,307
57$815,948$550,542$485,518$723,310
58$834,618$512,962$437,227$711,481
59$853,160$471,508$385,284$697,680
60$871,495$425,924$329,504$681,754
61$889,537$375,944$269,692$663,542
62$907,187$321,283$205,644$642,868
63$924,335$261,641$137,148$619,546
64$940,858$196,702$63,983$593,374
65$956,617$126,131$0$564,136
66$971,457$49,577$0$536,113
67$985,204$0$0$526,692
68$997,665$0$0$522,152
69$1,008,624$0$0$527,097
70$1,017,840$0$0$531,024
71$1,025,047$0$0$533,782
72$1,029,945$0$0$535,202
73$1,032,204$0$0$535,097
74$1,031,454$0$0$533,257
75$1,027,289$0$0$529,453
76$1,019,253$0$0$523,428
77$1,006,844$0$0$514,897
78$989,503$0$0$503,546
79$966,612$0$0$489,025
80$937,486$0$0$470,947
81$901,366$0$0$448,885
82$857,412$0$0$422,364
83$804,694$0$0$390,861
84$742,183$0$0$353,795
85$668,742$0$0$310,524
86$583,111$0$0$260,340
87$483,900$0$0$202,459
88$369,571$0$0$136,015
89$238,425$0$0$60,050
90$88,582$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0