Can I retire at age 52 with 652,000?

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 $652,000?

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$53,842$53,362$52,894$52,437$51,991$51,046
2 years$26,654$26,158$25,677$25,210$24,758$23,809
3 years$17,593$17,094$16,615$16,152$15,707$14,784
4 years$13,063$12,566$12,091$11,637$11,203$10,312
5 years$10,346$9,852$9,383$8,938$8,516$7,661
6 years$8,535$8,045$7,583$7,148$6,738$5,920
7 years$7,242$6,756$6,302$5,877$5,480$4,699
8 years$6,273$5,791$5,344$4,930$4,546$3,801
9 years$5,520$5,042$4,603$4,199$3,829$3,120
10 years$4,917$4,445$4,013$3,620$3,262$2,589
11 years$4,425$3,957$3,533$3,150$2,806$2,167
12 years$4,014$3,551$3,135$2,763$2,431$1,826
13 years$3,668$3,209$2,801$2,439$2,120$1,548
14 years$3,371$2,917$2,517$2,165$1,858$1,318
15 years$3,113$2,665$2,272$1,931$1,636$1,127
16 years$2,889$2,445$2,060$1,729$1,446$966
17 years$2,690$2,252$1,875$1,554$1,282$831
18 years$2,515$2,081$1,711$1,400$1,140$716
19 years$2,357$1,928$1,567$1,265$1,016$618
20 years$2,216$1,792$1,438$1,146$908$535
21 years$2,088$1,669$1,323$1,040$812$463
22 years$1,972$1,558$1,219$946$728$402
23 years$1,867$1,457$1,126$861$654$349
24 years$1,770$1,365$1,041$785$587$303
25 years$1,681$1,281$964$717$529$264
26 years$1,599$1,204$894$656$476$229
27 years$1,523$1,133$830$600$429$200
28 years$1,453$1,068$772$550$387$174
29 years$1,388$1,007$718$504$350$152
30 years$1,327$951$669$463$316$132
31 years$1,270$899$624$425$286$115
32 years$1,217$851$582$391$258$101
33 years$1,168$806$543$359$234$88
34 years$1,121$764$508$331$212$77
35 years$1,077$725$475$304$192$67
36 years$1,036$688$444$280$174$58
37 years$996$653$416$258$158$51
38 years$959$621$389$238$143$45
39 years$925$590$365$219$130$39
40 years$891$562$342$202$117$34
41 years$860$535$320$187$107$30
42 years$830$509$301$172$97$26
43 years$802$485$282$159$88$23
44 years$775$462$265$147$80$20
45 years$749$441$249$136$72$17
46 years$724$421$234$125$66$15
47 years$701$401$219$116$60$13
48 years$679$383$206$107$54$12
49 years$657$366$194$99$49$10
50 years$637$350$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 $652,000, adding $3,191 every year, while hoping to spend $37,957 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: 37/36/27 Blend
51$652,000$652,000$652,000$652,000
52$721,796$687,240$677,134$742,573
53$755,033$680,528$659,432$751,465
54$790,388$672,216$639,864$757,363
55$828,037$662,184$618,329$763,001
56$868,173$650,307$594,720$768,380
57$911,007$636,452$568,923$773,504
58$956,769$620,478$540,821$778,382
59$1,005,714$602,236$510,293$783,027
60$1,058,118$581,567$477,210$787,456
61$1,114,287$558,305$441,437$791,693
62$1,174,555$532,273$402,836$795,770
63$1,239,289$503,283$361,260$799,724
64$1,308,891$471,139$316,557$803,601
65$1,383,803$435,629$268,566$807,460
66$1,464,510$396,534$217,122$811,367
67$1,551,545$353,620$162,051$815,404
68$1,645,494$306,639$103,172$819,665
69$1,747,000$255,330$40,293$824,262
70$1,856,771$199,417$0$829,323
71$1,975,582$138,609$0$842,720
72$2,104,289$72,599$0$869,794
73$2,243,831$1,060$0$899,183
74$2,395,240$0$0$931,178
75$2,559,654$0$0$996,351
76$2,738,320$0$0$1,067,710
77$2,932,614$0$0$1,145,394
78$3,144,049$0$0$1,230,018
79$3,374,287$0$0$1,322,259
80$3,625,161$0$0$1,422,863
81$3,898,684$0$0$1,532,649
82$4,197,075$0$0$1,652,519
83$4,522,775$0$0$1,783,468
84$4,878,471$0$0$1,926,589
85$5,267,120$0$0$2,083,086
86$5,691,980$0$0$2,254,286
87$6,156,635$0$0$2,441,648
88$6,665,033$0$0$2,646,779
89$7,221,521$0$0$2,871,451
90$7,830,886$0$0$3,117,612
91$8,498,398$0$0$3,387,409
92$9,229,862$0$0$3,683,208
93$10,031,671$0$0$4,007,612
94$10,910,866$0$0$4,363,490
95$11,875,202$0$0$4,754,001
96$12,933,220$0$0$5,182,626
97$14,094,329$0$0$5,653,197
98$15,368,891$0$0$6,169,938
99$16,768,322$0$0$6,737,500
100$18,305,197$0$0$7,361,007