Can I retire at age 52 with 656,000?

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 $656,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$54,172$53,689$53,219$52,759$52,310$50,717
2 years$26,818$26,318$25,834$25,365$24,910$23,318
3 years$17,701$17,199$16,716$16,252$15,804$14,264
4 years$13,143$12,643$12,165$11,708$11,271$9,795
5 years$10,410$9,913$9,441$8,993$8,568$7,159
6 years$8,588$8,094$7,630$7,192$6,780$5,440
7 years$7,287$6,798$6,340$5,913$5,514$4,242
8 years$6,312$5,827$5,377$4,960$4,574$3,370
9 years$5,553$5,073$4,631$4,225$3,852$2,715
10 years$4,947$4,472$4,038$3,642$3,282$2,210
11 years$4,452$3,981$3,555$3,170$2,823$1,814
12 years$4,039$3,573$3,155$2,780$2,446$1,498
13 years$3,690$3,229$2,818$2,454$2,133$1,243
14 years$3,391$2,935$2,532$2,179$1,870$1,037
15 years$3,133$2,681$2,286$1,943$1,646$867
16 years$2,906$2,460$2,073$1,740$1,455$727
17 years$2,707$2,266$1,886$1,563$1,290$612
18 years$2,530$2,094$1,722$1,409$1,147$515
19 years$2,372$1,940$1,576$1,273$1,023$435
20 years$2,230$1,803$1,447$1,153$913$367
21 years$2,101$1,679$1,331$1,046$817$311
22 years$1,984$1,568$1,226$951$733$263
23 years$1,878$1,466$1,132$866$658$223
24 years$1,781$1,374$1,047$790$591$189
25 years$1,691$1,289$970$722$532$160
26 years$1,609$1,212$900$660$479$136
27 years$1,533$1,140$835$604$432$116
28 years$1,462$1,074$777$553$390$98
29 years$1,396$1,014$723$507$352$83
30 years$1,335$957$673$466$318$71
31 years$1,278$905$628$428$288$60
32 years$1,225$856$586$393$260$51
33 years$1,175$811$547$361$235$44
34 years$1,128$769$511$333$213$37
35 years$1,084$729$478$306$193$32
36 years$1,042$692$447$282$175$27
37 years$1,003$657$418$260$158$23
38 years$965$625$392$239$144$19
39 years$930$594$367$221$130$17
40 years$897$565$344$204$118$14
41 years$865$538$322$188$107$12
42 years$835$512$302$173$97$10
43 years$807$488$284$160$88$9
44 years$779$465$266$148$80$7
45 years$754$444$250$137$73$6
46 years$729$423$235$126$66$5
47 years$705$404$221$116$60$5
48 years$683$386$207$108$54$4
49 years$661$368$195$99$49$3
50 years$640$352$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 $656,000, adding $5,520 every year, while hoping to spend $25,506 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: 53/42/5 Blend
51$656,000$656,000$656,000$656,000
52$728,606$693,838$683,670$766,135
53$775,785$700,698$679,435$799,000
54$826,923$707,039$674,203$831,455
55$882,394$712,809$667,914$866,138
56$942,614$717,952$660,504$903,263
57$1,008,038$722,409$651,909$943,066
58$1,079,167$726,117$642,057$985,808
59$1,156,554$729,008$630,878$1,031,778
60$1,240,804$731,011$618,294$1,081,296
61$1,332,585$732,050$604,226$1,134,714
62$1,432,633$732,045$588,592$1,192,421
63$1,541,756$730,909$571,303$1,254,848
64$1,660,843$728,552$552,270$1,322,469
65$1,790,875$724,877$531,397$1,395,809
66$1,932,929$719,781$508,585$1,475,449
67$2,088,194$713,157$483,728$1,562,027
68$2,257,977$704,888$456,720$1,656,252
69$2,443,716$694,853$427,445$1,758,905
70$2,646,996$682,922$395,786$1,870,847
71$2,869,562$668,958$361,617$1,993,032
72$3,113,336$652,815$324,810$2,126,511
73$3,380,435$634,341$285,229$2,272,445
74$3,673,187$613,372$242,733$2,432,117
75$3,994,161$589,736$197,173$2,606,942
76$4,346,183$563,251$148,396$2,798,484
77$4,732,367$533,723$96,240$3,008,466
78$5,156,141$500,949$40,538$3,238,796
79$5,621,285$464,712$0$3,491,573
80$6,131,958$424,786$0$3,770,129
81$6,692,746$380,928$0$4,078,388
82$7,308,696$332,884$0$4,417,023
83$7,985,372$280,384$0$4,789,164
84$8,728,902$223,144$0$5,198,264
85$9,546,035$160,864$0$5,648,135
86$10,444,210$93,226$0$6,142,980
87$11,431,620$19,894$0$6,687,437
88$12,517,292$0$0$7,286,622
89$13,711,172$0$0$7,973,672
90$15,024,216$0$0$8,739,482
91$16,468,497$0$0$9,581,909
92$18,057,318$0$0$10,508,720
93$19,805,332$0$0$11,528,474
94$21,728,689$0$0$12,650,600
95$23,845,178$0$0$13,885,489
96$26,174,406$0$0$15,244,589
97$28,737,970$0$0$16,740,515
98$31,559,672$0$0$18,387,167
99$34,665,735$0$0$20,199,859
100$38,085,058$0$0$22,195,467