Can I retire at age 52 with 655,000?

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 $655,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$54,089$53,607$53,137$52,679$52,231$50,498
2 years$26,777$26,278$25,795$25,326$24,872$23,143
3 years$17,674$17,173$16,691$16,227$15,780$14,109
4 years$13,123$12,624$12,147$11,690$11,254$9,654
5 years$10,394$9,897$9,426$8,979$8,555$7,031
6 years$8,575$8,082$7,618$7,181$6,769$5,321
7 years$7,276$6,787$6,331$5,904$5,505$4,133
8 years$6,302$5,818$5,369$4,953$4,567$3,271
9 years$5,545$5,066$4,624$4,218$3,846$2,623
10 years$4,940$4,465$4,031$3,636$3,277$2,126
11 years$4,445$3,975$3,549$3,165$2,819$1,737
12 years$4,033$3,568$3,150$2,776$2,442$1,428
13 years$3,684$3,224$2,814$2,451$2,130$1,180
14 years$3,386$2,931$2,529$2,175$1,867$979
15 years$3,128$2,677$2,283$1,940$1,644$815
16 years$2,902$2,456$2,070$1,737$1,453$680
17 years$2,703$2,262$1,883$1,561$1,288$569
18 years$2,526$2,090$1,719$1,407$1,145$477
19 years$2,368$1,937$1,574$1,271$1,021$400
20 years$2,226$1,800$1,445$1,151$912$336
21 years$2,098$1,677$1,329$1,045$816$283
22 years$1,981$1,565$1,225$950$731$238
23 years$1,875$1,464$1,131$865$657$201
24 years$1,778$1,372$1,046$789$590$169
25 years$1,689$1,287$969$721$531$143
26 years$1,606$1,210$898$659$478$120
27 years$1,530$1,139$834$603$431$102
28 years$1,460$1,073$775$553$389$86
29 years$1,394$1,012$722$507$351$73
30 years$1,333$956$672$465$318$61
31 years$1,276$904$627$427$287$52
32 years$1,223$855$585$392$260$44
33 years$1,173$810$546$361$235$37
34 years$1,126$767$510$332$213$31
35 years$1,082$728$477$306$193$26
36 years$1,040$691$446$282$175$22
37 years$1,001$656$418$259$158$19
38 years$964$624$391$239$143$16
39 years$929$593$366$220$130$14
40 years$895$564$343$203$118$11
41 years$864$537$322$188$107$10
42 years$834$511$302$173$97$8
43 years$805$487$283$160$88$7
44 years$778$464$266$148$80$6
45 years$752$443$250$136$73$5
46 years$728$423$235$126$66$4
47 years$704$403$220$116$60$4
48 years$682$385$207$107$54$3
49 years$660$368$195$99$49$3
50 years$640$351$183$92$45$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $655,000, adding $4,133 every year, while hoping to spend $40,065 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: 42/41/17 Blend
51$655,000$655,000$655,000$655,000
52$726,073$691,358$681,206$752,794
53$757,504$682,606$661,397$763,315
54$790,798$672,082$639,582$770,457
55$826,102$659,657$615,652$777,345
56$863,579$645,195$589,490$783,972
57$903,405$628,550$560,979$790,338
58$945,773$609,570$529,993$796,444
59$990,894$588,091$496,400$802,296
60$1,039,000$563,943$460,064$807,903
61$1,090,345$536,943$420,843$813,278
62$1,145,206$506,899$378,587$818,442
63$1,203,888$473,607$333,140$823,421
64$1,266,724$436,853$284,340$828,249
65$1,334,080$396,410$232,016$832,966
66$1,406,359$352,037$175,991$837,625
67$1,484,000$303,479$116,080$842,289
68$1,567,488$250,470$52,089$847,031
69$1,657,354$192,724$0$851,940
70$1,754,180$129,944$0$860,059
71$1,858,608$61,812$0$878,846
72$1,971,340$0$0$899,024
73$2,093,151$0$0$926,215
74$2,224,889$0$0$985,848
75$2,367,489$0$0$1,050,465
76$2,521,977$0$0$1,120,542
77$2,689,483$0$0$1,196,598
78$2,871,248$0$0$1,279,208
79$3,068,638$0$0$1,369,001
80$3,283,153$0$0$1,466,672
81$3,516,447$0$0$1,572,983
82$3,770,336$0$0$1,688,775
83$4,046,822$0$0$1,814,970
84$4,348,104$0$0$1,952,587
85$4,676,605$0$0$2,102,744
86$5,034,991$0$0$2,266,673
87$5,426,195$0$0$2,445,730
88$5,853,447$0$0$2,641,409
89$6,320,303$0$0$2,855,353
90$6,830,677$0$0$3,089,372
91$7,388,879$0$0$3,345,458
92$7,999,654$0$0$3,625,805
93$8,668,227$0$0$3,932,829
94$9,400,352$0$0$4,269,192
95$10,202,364$0$0$4,637,823
96$11,081,242$0$0$5,041,949
97$12,044,670$0$0$5,485,125
98$13,101,111$0$0$5,971,265
99$14,259,887$0$0$6,504,681
100$15,531,267$0$0$7,090,122