Can I retire at age 52 with 658,000?

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 $658,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$54,337$53,853$53,381$52,920$52,470$52,139
2 years$26,900$26,399$25,913$25,442$24,986$24,652
3 years$17,755$17,252$16,767$16,301$15,852$15,526
4 years$13,183$12,682$12,202$11,744$11,306$10,990
5 years$10,441$9,943$9,470$9,021$8,594$8,289
6 years$8,614$8,119$7,653$7,214$6,800$6,507
7 years$7,309$6,818$6,360$5,931$5,531$5,248
8 years$6,331$5,845$5,393$4,975$4,588$4,317
9 years$5,570$5,089$4,645$4,238$3,864$3,604
10 years$4,962$4,485$4,050$3,653$3,292$3,044
11 years$4,465$3,993$3,565$3,179$2,831$2,594
12 years$4,051$3,584$3,164$2,789$2,454$2,227
13 years$3,701$3,239$2,827$2,462$2,140$1,924
14 years$3,402$2,944$2,540$2,185$1,876$1,670
15 years$3,142$2,689$2,293$1,949$1,651$1,456
16 years$2,915$2,468$2,079$1,745$1,460$1,274
17 years$2,715$2,273$1,892$1,568$1,294$1,118
18 years$2,538$2,100$1,727$1,413$1,151$984
19 years$2,379$1,946$1,581$1,277$1,026$868
20 years$2,236$1,808$1,451$1,156$916$767
21 years$2,107$1,685$1,335$1,050$820$679
22 years$1,990$1,572$1,230$954$735$602
23 years$1,884$1,471$1,136$869$660$534
24 years$1,786$1,378$1,050$793$593$475
25 years$1,696$1,293$973$724$534$422
26 years$1,614$1,215$902$662$481$376
27 years$1,537$1,144$838$606$433$335
28 years$1,467$1,078$779$555$391$299
29 years$1,401$1,017$725$509$353$267
30 years$1,339$960$675$467$319$238
31 years$1,282$908$629$429$288$213
32 years$1,229$859$587$394$261$190
33 years$1,178$813$548$363$236$170
34 years$1,131$771$512$334$214$152
35 years$1,087$731$479$307$194$136
36 years$1,045$694$448$283$175$122
37 years$1,006$659$419$261$159$109
38 years$968$626$393$240$144$97
39 years$933$596$368$221$131$87
40 years$900$567$345$204$119$78
41 years$868$539$323$188$108$70
42 years$838$514$303$174$98$63
43 years$809$490$285$161$89$56
44 years$782$467$267$148$80$50
45 years$756$445$251$137$73$45
46 years$731$424$236$126$66$40
47 years$707$405$221$117$60$36
48 years$685$387$208$108$55$32
49 years$663$369$196$100$50$29
50 years$642$353$184$92$45$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $658,000, adding $3,070 every year, while hoping to spend $50,220 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: 74/13/13 Blend
51$658,000$658,000$658,000$658,000
52$728,283$693,409$683,210$779,980
53$749,134$673,952$652,664$795,105
54$770,429$651,859$619,411$805,135
55$792,159$626,947$583,308$814,758
56$814,316$599,023$544,205$823,919
57$836,885$567,884$501,945$832,559
58$859,850$533,314$456,363$840,612
59$883,193$495,084$407,289$848,010
60$906,889$452,954$354,544$854,677
61$930,911$406,668$297,940$860,530
62$955,226$355,956$237,283$865,479
63$979,796$300,535$172,369$869,428
64$1,004,577$240,103$102,985$872,271
65$1,029,518$174,343$28,910$873,893
66$1,054,561$102,918$0$874,172
67$1,079,639$25,474$0$879,926
68$1,104,677$0$0$888,786
69$1,129,589$0$0$904,963
70$1,154,277$0$0$924,585
71$1,178,632$0$0$943,920
72$1,202,529$0$0$962,865
73$1,225,830$0$0$981,306
74$1,248,377$0$0$999,116
75$1,269,996$0$0$1,016,150
76$1,290,490$0$0$1,032,248
77$1,309,640$0$0$1,047,230
78$1,327,200$0$0$1,060,896
79$1,342,896$0$0$1,073,022
80$1,356,423$0$0$1,083,357
81$1,367,442$0$0$1,091,625
82$1,375,573$0$0$1,097,516
83$1,380,396$0$0$1,100,686
84$1,381,443$0$0$1,100,752
85$1,378,195$0$0$1,097,291
86$1,370,075$0$0$1,089,831
87$1,356,442$0$0$1,077,850
88$1,336,588$0$0$1,060,768
89$1,309,725$0$0$1,037,941
90$1,274,981$0$0$1,008,660
91$1,231,390$0$0$972,134
92$1,177,884$0$0$927,492
93$1,113,278$0$0$873,766
94$1,036,263$0$0$809,888
95$945,389$0$0$734,674
96$839,054$0$0$646,818
97$715,486$0$0$544,872
98$572,725$0$0$427,238
99$408,608$0$0$292,149
100$220,740$0$0$137,653