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%17.9%
1 years$54,337$53,853$53,381$52,920$52,470$50,790
2 years$26,900$26,399$25,913$25,442$24,986$23,309
3 years$17,755$17,252$16,767$16,301$15,852$14,231
4 years$13,183$12,682$12,202$11,744$11,306$9,753
5 years$10,441$9,943$9,470$9,021$8,594$7,113
6 years$8,614$8,119$7,653$7,214$6,800$5,393
7 years$7,309$6,818$6,360$5,931$5,531$4,196
8 years$6,331$5,845$5,393$4,975$4,588$3,326
9 years$5,570$5,089$4,645$4,238$3,864$2,673
10 years$4,962$4,485$4,050$3,653$3,292$2,170
11 years$4,465$3,993$3,565$3,179$2,831$1,776
12 years$4,051$3,584$3,164$2,789$2,454$1,463
13 years$3,701$3,239$2,827$2,462$2,140$1,211
14 years$3,402$2,944$2,540$2,185$1,876$1,007
15 years$3,142$2,689$2,293$1,949$1,651$840
16 years$2,915$2,468$2,079$1,745$1,460$703
17 years$2,715$2,273$1,892$1,568$1,294$589
18 years$2,538$2,100$1,727$1,413$1,151$495
19 years$2,379$1,946$1,581$1,277$1,026$416
20 years$2,236$1,808$1,451$1,156$916$351
21 years$2,107$1,685$1,335$1,050$820$296
22 years$1,990$1,572$1,230$954$735$250
23 years$1,884$1,471$1,136$869$660$211
24 years$1,786$1,378$1,050$793$593$178
25 years$1,696$1,293$973$724$534$151
26 years$1,614$1,215$902$662$481$127
27 years$1,537$1,144$838$606$433$108
28 years$1,467$1,078$779$555$391$91
29 years$1,401$1,017$725$509$353$77
30 years$1,339$960$675$467$319$66
31 years$1,282$908$629$429$288$56
32 years$1,229$859$587$394$261$47
33 years$1,178$813$548$363$236$40
34 years$1,131$771$512$334$214$34
35 years$1,087$731$479$307$194$29
36 years$1,045$694$448$283$175$24
37 years$1,006$659$419$261$159$21
38 years$968$626$393$240$144$17
39 years$933$596$368$221$131$15
40 years$900$567$345$204$119$13
41 years$868$539$323$188$108$11
42 years$838$514$303$174$98$9
43 years$809$490$285$161$89$8
44 years$782$467$267$148$80$6
45 years$756$445$251$137$73$6
46 years$731$424$236$126$66$5
47 years$707$405$221$117$60$4
48 years$685$387$208$108$55$3
49 years$663$369$196$100$50$3
50 years$642$353$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 $658,000, adding $3,968 every year, while hoping to spend $32,937 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: 41/43/16 Blend
51$658,000$658,000$658,000$658,000
52$729,209$694,335$684,136$755,514
53$768,544$693,313$672,010$773,491
54$810,786$691,136$658,374$789,416
55$856,199$687,715$643,142$805,950
56$905,070$682,951$626,225$823,165
57$957,714$676,742$607,530$841,141
58$1,014,477$668,979$586,959$859,970
59$1,075,742$659,547$564,410$879,755
60$1,141,925$648,323$539,776$900,613
61$1,213,488$635,178$512,945$922,674
62$1,290,936$619,973$483,801$946,085
63$1,374,824$602,564$452,221$971,012
64$1,465,763$582,797$418,077$997,641
65$1,564,425$560,508$381,237$1,026,179
66$1,671,550$535,526$341,561$1,056,859
67$1,787,948$507,667$298,904$1,089,943
68$1,914,516$476,740$253,114$1,125,723
69$2,052,235$442,539$204,032$1,164,524
70$2,202,188$404,849$151,493$1,206,711
71$2,365,567$363,442$95,323$1,252,691
72$2,543,681$318,076$35,343$1,302,916
73$2,737,972$268,498$0$1,357,894
74$2,950,029$214,438$0$1,423,081
75$3,181,598$155,612$0$1,500,968
76$3,434,603$91,719$0$1,586,249
77$3,711,162$22,442$0$1,679,736
78$4,013,606$0$0$1,782,333
79$4,344,502$0$0$1,919,905
80$4,706,677$0$0$2,082,188
81$5,103,244$0$0$2,259,967
82$5,537,630$0$0$2,454,789
83$6,013,610$0$0$2,668,359
84$6,535,340$0$0$2,902,552
85$7,107,400$0$0$3,159,438
86$7,734,832$0$0$3,441,292
87$8,423,190$0$0$3,750,621
88$9,178,591$0$0$4,090,190
89$10,007,775$0$0$4,463,040
90$10,918,164$0$0$4,872,524
91$11,917,936$0$0$5,322,334
92$13,016,096$0$0$5,816,539
93$14,222,569$0$0$6,359,619
94$15,548,285$0$0$6,956,511
95$17,005,287$0$0$7,612,656
96$18,606,843$0$0$8,334,044
97$20,367,567$0$0$9,127,279
98$22,303,565$0$0$9,999,633
99$24,432,578$0$0$10,959,120
100$26,774,152$0$0$12,014,570