Can I retire at age 52 with 653,000?

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 $653,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$53,924$53,444$52,975$52,518$52,071$51,613
2 years$26,695$26,198$25,716$25,249$24,796$24,334
3 years$17,620$17,121$16,640$16,177$15,731$15,281
4 years$13,083$12,585$12,110$11,655$11,220$10,783
5 years$10,362$9,867$9,398$8,952$8,529$8,108
6 years$8,548$8,057$7,595$7,159$6,749$6,344
7 years$7,253$6,766$6,311$5,886$5,489$5,100
8 years$6,283$5,800$5,352$4,937$4,553$4,181
9 years$5,528$5,050$4,610$4,206$3,835$3,478
10 years$4,925$4,451$4,019$3,625$3,267$2,927
11 years$4,431$3,963$3,538$3,155$2,810$2,485
12 years$4,021$3,557$3,140$2,767$2,435$2,126
13 years$3,673$3,214$2,806$2,443$2,123$1,829
14 years$3,376$2,922$2,521$2,169$1,861$1,582
15 years$3,118$2,669$2,276$1,934$1,639$1,373
16 years$2,893$2,449$2,063$1,732$1,448$1,197
17 years$2,695$2,255$1,878$1,556$1,284$1,046
18 years$2,518$2,084$1,714$1,402$1,142$916
19 years$2,361$1,931$1,569$1,267$1,018$805
20 years$2,219$1,795$1,440$1,148$909$708
21 years$2,091$1,672$1,325$1,042$814$624
22 years$1,975$1,560$1,221$947$729$551
23 years$1,869$1,459$1,127$862$655$487
24 years$1,773$1,367$1,042$787$588$430
25 years$1,684$1,283$966$718$529$381
26 years$1,602$1,206$896$657$477$338
27 years$1,526$1,135$832$601$430$300
28 years$1,455$1,070$773$551$388$266
29 years$1,390$1,009$719$505$350$236
30 years$1,329$953$670$464$317$210
31 years$1,272$901$625$426$286$186
32 years$1,219$852$583$391$259$166
33 years$1,169$807$544$360$234$147
34 years$1,123$765$508$331$212$131
35 years$1,079$726$475$305$192$117
36 years$1,037$689$445$281$174$104
37 years$998$654$416$259$158$93
38 years$961$622$390$238$143$82
39 years$926$591$365$220$130$73
40 years$893$562$342$203$118$65
41 years$861$535$321$187$107$58
42 years$831$510$301$173$97$52
43 years$803$486$283$159$88$46
44 years$776$463$265$147$80$41
45 years$750$442$249$136$72$37
46 years$725$421$234$126$66$33
47 years$702$402$220$116$60$29
48 years$680$384$206$107$54$26
49 years$658$366$194$99$49$23
50 years$638$350$182$92$45$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $653,000, adding $3,858 every year, while hoping to spend $50,759 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: 23/49/28 Blend
51$653,000$653,000$653,000$653,000
52$723,586$688,977$678,855$733,762
53$743,384$668,729$647,589$722,621
54$763,501$645,789$613,575$706,182
55$783,915$619,969$576,667$687,504
56$804,601$591,074$536,712$666,435
57$825,530$558,896$493,551$642,817
58$846,667$523,216$447,019$616,478
59$867,974$483,801$396,941$587,240
60$889,406$440,405$343,137$554,913
61$910,909$392,769$285,416$519,295
62$932,426$340,618$223,581$480,173
63$953,888$283,663$157,426$437,321
64$975,220$221,598$86,735$390,501
65$996,334$154,098$11,283$339,459
66$1,017,134$80,823$0$283,927
67$1,037,510$1,411$0$244,306
68$1,057,338$0$0$204,553
69$1,076,479$0$0$206,621
70$1,094,778$0$0$209,173
71$1,112,062$0$0$211,402
72$1,128,135$0$0$213,256
73$1,142,781$0$0$214,679
74$1,155,758$0$0$215,606
75$1,166,795$0$0$215,968
76$1,175,592$0$0$215,685
77$1,181,815$0$0$214,670
78$1,185,091$0$0$212,827
79$1,185,008$0$0$210,049
80$1,181,106$0$0$206,215
81$1,172,875$0$0$201,195
82$1,159,751$0$0$194,842
83$1,141,106$0$0$186,994
84$1,116,246$0$0$177,473
85$1,084,400$0$0$166,079
86$1,044,717$0$0$152,595
87$996,252$0$0$136,777
88$937,960$0$0$118,356
89$868,685$0$0$97,037
90$787,148$0$0$72,492
91$691,935$0$0$44,359
92$581,482$0$0$12,236
93$454,060$0$0$0
94$307,759$0$0$0
95$140,469$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