Can I retire at age 52 with 660,000?

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 $660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$54,502$54,017$53,543$53,081$52,629$52,123
2 years$26,981$26,479$25,992$25,520$25,062$24,552
3 years$17,809$17,304$16,818$16,351$15,900$15,402
4 years$13,224$12,720$12,239$11,780$11,340$10,858
5 years$10,473$9,973$9,498$9,048$8,621$8,156
6 years$8,640$8,144$7,676$7,236$6,821$6,374
7 years$7,331$6,839$6,379$5,949$5,547$5,119
8 years$6,350$5,862$5,410$4,990$4,602$4,192
9 years$5,587$5,104$4,659$4,251$3,876$3,483
10 years$4,977$4,499$4,062$3,664$3,302$2,927
11 years$4,479$4,005$3,576$3,189$2,840$2,483
12 years$4,064$3,595$3,174$2,797$2,461$2,121
13 years$3,713$3,249$2,836$2,469$2,146$1,822
14 years$3,412$2,953$2,548$2,192$1,881$1,574
15 years$3,152$2,698$2,300$1,955$1,656$1,365
16 years$2,924$2,475$2,086$1,750$1,464$1,188
17 years$2,723$2,279$1,898$1,573$1,298$1,036
18 years$2,545$2,106$1,732$1,417$1,154$907
19 years$2,386$1,952$1,586$1,281$1,029$795
20 years$2,243$1,814$1,456$1,160$919$699
21 years$2,114$1,690$1,339$1,053$822$615
22 years$1,996$1,577$1,234$957$737$542
23 years$1,889$1,475$1,139$872$662$478
24 years$1,792$1,382$1,054$795$595$422
25 years$1,702$1,297$976$726$535$373
26 years$1,619$1,219$905$664$482$330
27 years$1,542$1,147$840$608$435$292
28 years$1,471$1,081$781$557$392$259
29 years$1,405$1,020$727$511$354$230
30 years$1,343$963$677$469$320$204
31 years$1,286$910$631$430$289$181
32 years$1,232$861$589$395$262$161
33 years$1,182$816$550$364$237$143
34 years$1,135$773$514$335$214$127
35 years$1,090$733$480$308$194$113
36 years$1,048$696$449$284$176$100
37 years$1,009$661$421$261$159$89
38 years$971$628$394$241$145$79
39 years$936$597$369$222$131$70
40 years$902$568$346$205$119$63
41 years$871$541$324$189$108$56
42 years$840$515$304$174$98$49
43 years$812$491$286$161$89$44
44 years$784$468$268$149$81$39
45 years$758$446$252$137$73$35
46 years$733$426$236$127$66$31
47 years$710$406$222$117$60$28
48 years$687$388$209$108$55$25
49 years$665$370$196$100$50$22
50 years$644$354$184$93$45$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $660,000, adding $6,110 every year, while hoping to spend $47,360 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: 62/18/20 Blend
51$660,000$660,000$660,000$660,000
52$733,622$698,642$688,412$774,956
53$758,061$682,485$661,084$787,419
54$783,406$663,949$631,252$795,194
55$809,698$642,867$598,784$802,595
56$836,983$619,064$563,539$809,591
57$865,309$592,351$525,371$816,148
58$894,727$562,534$484,128$822,234
59$925,292$529,401$439,649$827,814
60$957,063$492,733$391,769$832,851
61$990,103$452,296$340,312$837,309
62$1,024,478$407,843$285,097$841,150
63$1,060,261$359,114$225,935$844,333
64$1,097,530$305,832$162,625$846,821
65$1,136,367$247,708$94,963$848,571
66$1,176,863$184,431$22,730$849,542
67$1,219,114$115,679$0$849,693
68$1,263,224$41,108$0$860,581
69$1,309,306$0$0$876,495
70$1,357,481$0$0$900,442
71$1,407,880$0$0$934,025
72$1,460,646$0$0$969,198
73$1,515,933$0$0$1,006,066
74$1,573,908$0$0$1,044,742
75$1,634,752$0$0$1,085,348
76$1,698,661$0$0$1,128,019
77$1,765,850$0$0$1,172,899
78$1,836,550$0$0$1,220,146
79$1,911,016$0$0$1,269,932
80$1,989,522$0$0$1,322,444
81$2,072,368$0$0$1,377,887
82$2,159,882$0$0$1,436,481
83$2,252,420$0$0$1,498,471
84$2,350,373$0$0$1,564,122
85$2,454,165$0$0$1,633,722
86$2,564,262$0$0$1,707,588
87$2,681,172$0$0$1,786,066
88$2,805,450$0$0$1,869,534
89$2,937,704$0$0$1,958,407
90$3,078,601$0$0$2,053,138
91$3,228,868$0$0$2,154,223
92$3,389,305$0$0$2,262,205
93$3,560,785$0$0$2,377,682
94$3,744,269$0$0$2,501,307
95$3,940,806$0$0$2,633,796
96$4,151,551$0$0$2,775,936
97$4,377,769$0$0$2,928,589
98$4,620,847$0$0$3,092,702
99$4,882,311$0$0$3,269,314
100$5,163,834$0$0$3,459,568