Can I retire at age 52 with 654,000?

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 $654,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$54,007$53,526$53,056$52,598$52,151$51,671
2 years$26,736$26,238$25,755$25,288$24,834$24,350
3 years$17,647$17,147$16,666$16,202$15,756$15,283
4 years$13,103$12,605$12,128$11,673$11,237$10,780
5 years$10,378$9,882$9,412$8,966$8,542$8,101
6 years$8,561$8,070$7,606$7,170$6,759$6,335
7 years$7,265$6,777$6,321$5,895$5,497$5,090
8 years$6,292$5,809$5,361$4,945$4,560$4,170
9 years$5,537$5,058$4,617$4,212$3,840$3,468
10 years$4,932$4,458$4,025$3,631$3,272$2,916
11 years$4,438$3,969$3,544$3,160$2,814$2,475
12 years$4,027$3,562$3,145$2,772$2,439$2,115
13 years$3,679$3,219$2,810$2,447$2,127$1,819
14 years$3,381$2,926$2,525$2,172$1,864$1,572
15 years$3,123$2,673$2,279$1,937$1,641$1,364
16 years$2,897$2,453$2,067$1,735$1,451$1,188
17 years$2,699$2,259$1,881$1,558$1,286$1,037
18 years$2,522$2,087$1,717$1,404$1,144$908
19 years$2,365$1,934$1,572$1,269$1,019$797
20 years$2,223$1,797$1,442$1,149$911$701
21 years$2,095$1,674$1,327$1,043$815$617
22 years$1,978$1,563$1,223$948$730$544
23 years$1,872$1,462$1,129$864$656$480
24 years$1,775$1,370$1,044$788$589$425
25 years$1,686$1,285$967$719$530$376
26 years$1,604$1,208$897$658$478$333
27 years$1,528$1,137$833$602$431$295
28 years$1,458$1,071$774$552$389$261
29 years$1,392$1,011$720$506$351$232
30 years$1,331$954$671$464$317$206
31 years$1,274$902$626$426$287$183
32 years$1,221$854$584$392$259$163
33 years$1,171$808$545$360$235$144
34 years$1,124$766$509$332$212$128
35 years$1,080$727$476$305$192$114
36 years$1,039$690$445$281$174$102
37 years$999$655$417$259$158$90
38 years$962$623$390$239$143$80
39 years$927$592$366$220$130$72
40 years$894$563$343$203$118$64
41 years$863$536$321$187$107$57
42 years$833$511$302$173$97$51
43 years$804$487$283$160$88$45
44 years$777$464$266$147$80$40
45 years$751$442$249$136$73$36
46 years$727$422$234$126$66$32
47 years$703$403$220$116$60$28
48 years$681$384$207$107$54$25
49 years$659$367$194$99$49$22
50 years$639$351$183$92$45$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $654,000, adding $5,708 every year, while hoping to spend $24,109 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: 60/29/11 Blend
51$654,000$654,000$654,000$654,000
52$726,596$691,934$681,797$767,963
53$775,057$700,187$678,985$804,691
54$827,653$708,036$675,271$841,497
55$884,780$715,437$670,600$881,055
56$946,875$722,340$664,912$923,634
57$1,014,416$728,695$658,146$969,526
58$1,087,932$734,446$650,240$1,019,058
59$1,168,003$739,536$641,125$1,072,588
60$1,255,267$743,902$630,731$1,130,511
61$1,350,429$747,477$618,985$1,193,263
62$1,454,262$750,193$605,810$1,261,328
63$1,567,617$751,973$591,125$1,335,235
64$1,691,433$752,739$574,847$1,415,572
65$1,826,742$752,405$556,887$1,502,984
66$1,974,680$750,883$537,152$1,598,187
67$2,136,498$748,077$515,548$1,701,967
68$2,313,574$743,886$491,972$1,815,193
69$2,507,425$738,203$466,320$1,938,824
70$2,719,722$730,915$438,481$2,073,918
71$2,952,304$721,900$408,340$2,221,641
72$3,207,197$711,032$375,778$2,383,280
73$3,486,633$698,174$340,669$2,560,255
74$3,793,069$683,184$302,880$2,754,133
75$4,129,212$665,909$262,276$2,966,642
76$4,498,042$646,189$218,713$3,199,688
77$4,902,844$623,855$172,042$3,455,373
78$5,347,235$598,724$122,106$3,736,017
79$5,835,200$570,608$68,743$4,044,178
80$6,371,127$539,304$11,783$4,382,678
81$6,959,851$504,600$0$4,754,628
82$7,606,700$466,270$0$5,169,213
83$8,317,541$424,075$0$5,626,316
84$9,098,840$377,764$0$6,128,752
85$9,957,717$327,070$0$6,681,147
86$10,902,020$271,712$0$7,288,604
87$11,940,393$211,393$0$7,956,749
88$13,082,361$145,799$0$8,691,783
89$14,338,417$74,598$0$9,500,545
90$15,720,123$0$0$10,390,572
91$17,240,217$0$0$11,370,990
92$18,912,736$0$0$12,475,969
93$20,753,142$0$0$13,691,929
94$22,778,476$0$0$15,030,133
95$25,007,513$0$0$16,502,995
96$27,460,938$0$0$18,124,193
97$30,161,547$0$0$19,908,797
98$33,134,455$0$0$21,873,412
99$36,407,337$0$0$24,036,337
100$40,010,688$0$0$26,417,732