Can I retire at age 52 with 654,000?

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 $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%17.7%
1 years$54,007$53,526$53,056$52,598$52,151$50,522
2 years$26,736$26,238$25,755$25,288$24,834$23,207
3 years$17,647$17,147$16,666$16,202$15,756$14,182
4 years$13,103$12,605$12,128$11,673$11,237$9,729
5 years$10,378$9,882$9,412$8,966$8,542$7,104
6 years$8,561$8,070$7,606$7,170$6,759$5,391
7 years$7,265$6,777$6,321$5,895$5,497$4,200
8 years$6,292$5,809$5,361$4,945$4,560$3,333
9 years$5,537$5,058$4,617$4,212$3,840$2,681
10 years$4,932$4,458$4,025$3,631$3,272$2,180
11 years$4,438$3,969$3,544$3,160$2,814$1,787
12 years$4,027$3,562$3,145$2,772$2,439$1,474
13 years$3,679$3,219$2,810$2,447$2,127$1,222
14 years$3,381$2,926$2,525$2,172$1,864$1,017
15 years$3,123$2,673$2,279$1,937$1,641$850
16 years$2,897$2,453$2,067$1,735$1,451$712
17 years$2,699$2,259$1,881$1,558$1,286$598
18 years$2,522$2,087$1,717$1,404$1,144$503
19 years$2,365$1,934$1,572$1,269$1,019$423
20 years$2,223$1,797$1,442$1,149$911$357
21 years$2,095$1,674$1,327$1,043$815$302
22 years$1,978$1,563$1,223$948$730$255
23 years$1,872$1,462$1,129$864$656$216
24 years$1,775$1,370$1,044$788$589$183
25 years$1,686$1,285$967$719$530$155
26 years$1,604$1,208$897$658$478$131
27 years$1,528$1,137$833$602$431$111
28 years$1,458$1,071$774$552$389$94
29 years$1,392$1,011$720$506$351$80
30 years$1,331$954$671$464$317$68
31 years$1,274$902$626$426$287$58
32 years$1,221$854$584$392$259$49
33 years$1,171$808$545$360$235$41
34 years$1,124$766$509$332$212$35
35 years$1,080$727$476$305$192$30
36 years$1,039$690$445$281$174$25
37 years$999$655$417$259$158$22
38 years$962$623$390$239$143$18
39 years$927$592$366$220$130$16
40 years$894$563$343$203$118$13
41 years$863$536$321$187$107$11
42 years$833$511$302$173$97$10
43 years$804$487$283$160$88$8
44 years$777$464$266$147$80$7
45 years$751$442$249$136$73$6
46 years$727$422$234$126$66$5
47 years$703$403$220$116$60$4
48 years$681$384$207$107$54$4
49 years$659$367$194$99$49$3
50 years$639$351$183$92$45$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $654,000, adding $4,485 every year, while hoping to spend $41,793 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: 23/48/29 Blend
51$654,000$654,000$654,000$654,000
52$725,334$690,672$680,535$735,315
53$754,851$680,048$658,866$733,735
54$785,978$667,502$635,070$728,255
55$818,834$652,897$609,031$721,507
56$853,552$636,085$580,631$713,414
57$890,274$616,913$549,741$703,896
58$929,155$595,215$516,231$692,872
59$970,367$570,818$479,963$680,256
60$1,014,095$543,539$440,792$665,960
61$1,060,543$513,183$398,569$649,891
62$1,109,934$479,544$353,136$631,957
63$1,162,510$442,405$304,330$612,060
64$1,218,540$401,537$251,978$590,101
65$1,278,314$356,695$195,903$565,977
66$1,342,153$307,624$135,917$539,586
67$1,410,408$254,052$71,824$510,821
68$1,483,461$195,693$3,423$479,574
69$1,561,736$132,244$0$445,736
70$1,645,695$63,385$0$430,725
71$1,735,843$0$0$415,431
72$1,832,739$0$0$404,684
73$1,936,994$0$0$429,223
74$2,049,278$0$0$455,738
75$2,170,328$0$0$484,414
76$2,300,954$0$0$515,453
77$2,442,045$0$0$549,080
78$2,594,579$0$0$585,540
79$2,759,630$0$0$625,103
80$2,938,379$0$0$668,067
81$3,132,124$0$0$714,758
82$3,342,294$0$0$765,535
83$3,570,457$0$0$820,795
84$3,818,341$0$0$880,973
85$4,087,846$0$0$946,546
86$4,381,062$0$0$1,018,044
87$4,700,288$0$0$1,096,045
88$5,048,054$0$0$1,181,188
89$5,427,144$0$0$1,274,176
90$5,840,624$0$0$1,375,783
91$6,291,866$0$0$1,486,860
92$6,784,583$0$0$1,608,346
93$7,322,862$0$0$1,741,273
94$7,911,202$0$0$1,886,778
95$8,554,557$0$0$2,046,114
96$9,258,382$0$0$2,220,658
97$10,028,681$0$0$2,411,930
98$10,872,068$0$0$2,621,602
99$11,795,825$0$0$2,851,515
100$12,807,972$0$0$3,103,699