Can I retire at age 52 with 657,000?

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 $657,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$54,254$53,771$53,300$52,839$52,390$50,511
2 years$26,859$26,358$25,874$25,404$24,948$23,075
3 years$17,728$17,226$16,742$16,276$15,828$14,020
4 years$13,163$12,663$12,184$11,726$11,289$9,560
5 years$10,425$9,928$9,455$9,007$8,581$6,936
6 years$8,601$8,107$7,641$7,203$6,790$5,230
7 years$7,298$6,808$6,350$5,922$5,522$4,046
8 years$6,321$5,836$5,385$4,968$4,581$3,188
9 years$5,562$5,081$4,638$4,231$3,858$2,546
10 years$4,955$4,479$4,044$3,647$3,287$2,054
11 years$4,459$3,987$3,560$3,174$2,827$1,671
12 years$4,045$3,579$3,159$2,784$2,450$1,367
13 years$3,696$3,234$2,823$2,458$2,136$1,124
14 years$3,396$2,940$2,536$2,182$1,873$928
15 years$3,137$2,685$2,290$1,946$1,649$769
16 years$2,911$2,464$2,076$1,742$1,457$638
17 years$2,711$2,269$1,889$1,566$1,292$531
18 years$2,534$2,097$1,725$1,411$1,149$443
19 years$2,375$1,943$1,579$1,275$1,024$370
20 years$2,233$1,806$1,449$1,155$915$309
21 years$2,104$1,682$1,333$1,048$819$259
22 years$1,987$1,570$1,228$953$734$217
23 years$1,881$1,468$1,134$868$659$181
24 years$1,783$1,376$1,049$791$592$152
25 years$1,694$1,291$971$723$533$128
26 years$1,611$1,213$901$661$480$107
27 years$1,535$1,142$837$605$433$90
28 years$1,464$1,076$778$554$390$76
29 years$1,399$1,015$724$508$352$63
30 years$1,337$959$674$466$318$53
31 years$1,280$906$629$428$288$45
32 years$1,227$858$586$394$260$38
33 years$1,177$812$548$362$236$32
34 years$1,130$770$512$333$213$27
35 years$1,085$730$478$307$193$22
36 years$1,043$693$447$282$175$19
37 years$1,004$658$419$260$159$16
38 years$967$625$392$240$144$13
39 years$932$595$367$221$131$11
40 years$898$566$344$204$118$9
41 years$867$539$323$188$107$8
42 years$836$513$303$174$97$7
43 years$808$489$284$160$88$6
44 years$781$466$267$148$80$5
45 years$755$444$251$137$73$4
46 years$730$424$235$126$66$3
47 years$706$404$221$117$60$3
48 years$684$386$208$108$55$2
49 years$662$369$195$100$50$2
50 years$641$352$184$92$45$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $657,000, adding $4,476 every year, while hoping to spend $22,121 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: 67/24/9 Blend
51$657,000$657,000$657,000$657,000
52$728,631$693,810$683,626$775,855
53$779,415$704,270$682,991$818,265
54$834,637$714,501$681,594$861,545
55$894,727$724,469$679,384$908,280
56$960,158$734,137$676,312$958,803
57$1,031,449$743,464$672,323$1,013,485
58$1,109,172$752,409$667,362$1,072,732
59$1,193,957$760,927$661,368$1,136,991
60$1,286,497$768,969$654,280$1,206,757
61$1,387,556$776,484$646,034$1,282,573
62$1,497,972$783,417$636,561$1,365,041
63$1,618,670$789,709$625,791$1,454,821
64$1,750,668$795,299$613,649$1,552,643
65$1,895,088$800,120$600,058$1,659,310
66$2,053,162$804,102$584,936$1,775,708
67$2,226,251$807,169$568,197$1,902,814
68$2,415,850$809,242$549,753$2,041,704
69$2,623,608$810,235$529,511$2,193,565
70$2,851,339$810,060$507,373$2,359,706
71$3,101,043$808,620$483,237$2,541,569
72$3,374,920$805,814$456,997$2,740,744
73$3,675,397$801,534$428,541$2,958,985
74$4,005,144$795,665$397,753$3,198,224
75$4,367,103$788,087$364,512$3,460,591
76$4,764,515$778,671$328,691$3,748,435
77$5,200,950$767,280$290,157$4,064,347
78$5,680,340$753,771$248,771$4,411,179
79$6,207,019$737,989$204,388$4,792,079
80$6,785,758$719,774$156,859$5,210,517
81$7,421,816$698,953$106,024$5,670,316
82$8,120,985$675,346$51,719$6,175,692
83$8,889,647$648,759$0$6,731,294
84$9,734,832$618,989$0$7,342,843
85$10,664,287$585,822$0$8,020,728
86$11,686,546$549,029$0$8,766,220
87$12,811,013$508,371$0$9,586,202
88$14,048,047$463,592$0$10,488,259
89$15,409,063$414,423$0$11,480,751
90$16,906,638$360,581$0$12,572,893
91$18,554,631$301,765$0$13,774,841
92$20,368,309$237,657$0$15,097,789
93$22,364,498$167,923$0$16,554,074
94$24,561,734$92,209$0$18,157,294
95$26,980,444$10,141$0$19,922,437
96$29,643,136$0$0$21,866,021
97$32,574,608$0$0$24,027,030
98$35,802,188$0$0$26,409,322
99$39,355,988$0$0$29,032,452
100$43,269,189$0$0$31,920,916