Can I retire at age 52 with 657,000?

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 $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%18.3%
1 years$54,254$53,771$53,300$52,839$52,390$50,632
2 years$26,859$26,358$25,874$25,404$24,948$23,194
3 years$17,728$17,226$16,742$16,276$15,828$14,133
4 years$13,163$12,663$12,184$11,726$11,289$9,666
5 years$10,425$9,928$9,455$9,007$8,581$7,035
6 years$8,601$8,107$7,641$7,203$6,790$5,322
7 years$7,298$6,808$6,350$5,922$5,522$4,132
8 years$6,321$5,836$5,385$4,968$4,581$3,267
9 years$5,562$5,081$4,638$4,231$3,858$2,619
10 years$4,955$4,479$4,044$3,647$3,287$2,121
11 years$4,459$3,987$3,560$3,174$2,827$1,732
12 years$4,045$3,579$3,159$2,784$2,450$1,423
13 years$3,696$3,234$2,823$2,458$2,136$1,175
14 years$3,396$2,940$2,536$2,182$1,873$974
15 years$3,137$2,685$2,290$1,946$1,649$810
16 years$2,911$2,464$2,076$1,742$1,457$676
17 years$2,711$2,269$1,889$1,566$1,292$565
18 years$2,534$2,097$1,725$1,411$1,149$473
19 years$2,375$1,943$1,579$1,275$1,024$397
20 years$2,233$1,806$1,449$1,155$915$333
21 years$2,104$1,682$1,333$1,048$819$280
22 years$1,987$1,570$1,228$953$734$236
23 years$1,881$1,468$1,134$868$659$198
24 years$1,783$1,376$1,049$791$592$167
25 years$1,694$1,291$971$723$533$141
26 years$1,611$1,213$901$661$480$119
27 years$1,535$1,142$837$605$433$100
28 years$1,464$1,076$778$554$390$85
29 years$1,399$1,015$724$508$352$71
30 years$1,337$959$674$466$318$60
31 years$1,280$906$629$428$288$51
32 years$1,227$858$586$394$260$43
33 years$1,177$812$548$362$236$36
34 years$1,130$770$512$333$213$31
35 years$1,085$730$478$307$193$26
36 years$1,043$693$447$282$175$22
37 years$1,004$658$419$260$159$19
38 years$967$625$392$240$144$16
39 years$932$595$367$221$131$13
40 years$898$566$344$204$118$11
41 years$867$539$323$188$107$9
42 years$836$513$303$174$97$8
43 years$808$489$284$160$88$7
44 years$781$466$267$148$80$6
45 years$755$444$251$137$73$5
46 years$730$424$235$126$66$4
47 years$706$404$221$117$60$3
48 years$684$386$208$108$55$3
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 $4,184 every year, while hoping to spend $44,882 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: 46/26/28 Blend
51$657,000$657,000$657,000$657,000
52$728,330$693,509$683,325$755,795
53$754,865$679,737$658,463$761,891
54$782,603$663,785$631,263$763,834
55$811,619$645,501$601,600$765,079
56$841,993$624,720$569,343$765,584
57$873,815$601,270$534,355$765,309
58$907,180$574,968$496,491$764,209
59$942,191$545,620$455,603$762,242
60$978,962$513,023$411,533$759,363
61$1,017,614$476,959$364,117$755,528
62$1,058,281$437,200$313,185$750,694
63$1,101,108$393,505$258,559$744,815
64$1,146,251$345,617$200,051$737,849
65$1,193,884$293,267$137,467$729,753
66$1,244,192$236,169$70,605$720,484
67$1,297,380$174,022$0$710,004
68$1,353,672$106,508$0$698,497
69$1,413,310$33,290$0$708,232
70$1,476,560$0$0$718,129
71$1,543,714$0$0$741,389
72$1,615,088$0$0$776,274
73$1,691,030$0$0$813,433
74$1,771,922$0$0$853,060
75$1,858,179$0$0$895,363
76$1,950,259$0$0$940,572
77$2,048,660$0$0$988,940
78$2,153,933$0$0$1,040,744
79$2,266,676$0$0$1,096,285
80$2,387,551$0$0$1,155,897
81$2,517,279$0$0$1,219,946
82$2,656,655$0$0$1,288,831
83$2,806,550$0$0$1,362,992
84$2,967,919$0$0$1,442,913
85$3,141,815$0$0$1,529,124
86$3,329,389$0$0$1,622,208
87$3,531,909$0$0$1,722,806
88$3,750,769$0$0$1,831,621
89$3,987,499$0$0$1,949,428
90$4,243,781$0$0$2,077,077
91$4,521,464$0$0$2,215,503
92$4,822,583$0$0$2,365,736
93$5,149,374$0$0$2,528,907
94$5,504,297$0$0$2,706,260
95$5,890,057$0$0$2,899,164
96$6,309,630$0$0$3,109,126
97$6,766,292$0$0$3,337,802
98$7,263,645$0$0$3,587,017
99$7,805,655$0$0$3,858,778
100$8,396,685$0$0$4,155,294