Can I retire at age 52 with 661,000?

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 $661,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$54,585$54,099$53,624$53,161$52,709$50,658
2 years$27,022$26,519$26,031$25,558$25,100$23,058
3 years$17,836$17,330$16,844$16,375$15,924$13,956
4 years$13,244$12,740$12,258$11,798$11,357$9,478
5 years$10,489$9,988$9,513$9,062$8,634$6,848
6 years$8,653$8,156$7,688$7,247$6,831$5,140
7 years$7,342$6,849$6,389$5,958$5,556$3,959
8 years$6,360$5,871$5,418$4,998$4,609$3,104
9 years$5,596$5,112$4,666$4,257$3,882$2,467
10 years$4,985$4,506$4,068$3,670$3,307$1,981
11 years$4,486$4,011$3,582$3,194$2,844$1,602
12 years$4,070$3,600$3,179$2,801$2,465$1,304
13 years$3,718$3,254$2,840$2,473$2,149$1,067
14 years$3,417$2,958$2,552$2,195$1,884$876
15 years$3,156$2,702$2,304$1,958$1,659$721
16 years$2,928$2,479$2,089$1,753$1,466$595
17 years$2,728$2,283$1,901$1,575$1,300$493
18 years$2,549$2,109$1,735$1,420$1,156$408
19 years$2,390$1,955$1,588$1,283$1,030$339
20 years$2,247$1,817$1,458$1,162$920$281
21 years$2,117$1,692$1,341$1,054$824$234
22 years$2,000$1,580$1,236$959$738$195
23 years$1,892$1,477$1,141$873$663$162
24 years$1,794$1,384$1,055$796$596$135
25 years$1,704$1,299$977$727$536$113
26 years$1,621$1,221$906$665$483$94
27 years$1,544$1,149$842$609$435$78
28 years$1,473$1,083$783$558$393$65
29 years$1,407$1,021$728$511$355$55
30 years$1,346$965$678$469$320$46
31 years$1,288$912$632$431$290$38
32 years$1,234$863$590$396$262$32
33 years$1,184$817$551$364$237$26
34 years$1,136$774$515$335$215$22
35 years$1,092$735$481$309$194$18
36 years$1,050$697$450$284$176$15
37 years$1,010$662$421$262$160$13
38 years$973$629$395$241$145$11
39 years$937$598$370$222$131$9
40 years$904$569$346$205$119$8
41 years$872$542$325$189$108$6
42 years$842$516$305$175$98$5
43 years$813$492$286$161$89$4
44 years$785$469$268$149$81$4
45 years$759$447$252$138$73$3
46 years$734$426$237$127$67$3
47 years$711$407$222$117$60$2
48 years$688$388$209$108$55$2
49 years$666$371$196$100$50$1
50 years$645$354$185$93$45$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $661,000, adding $2,043 every year, while hoping to spend $25,271 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: 45/28/27 Blend
51$661,000$661,000$661,000$661,000
52$730,529$695,496$685,251$757,622
53$778,155$702,688$681,319$784,245
54$829,792$709,384$676,408$810,507
55$885,822$715,535$670,459$838,499
56$946,666$721,086$663,409$868,396
57$1,012,786$725,980$655,194$900,394
58$1,084,692$730,155$645,744$934,707
59$1,162,943$733,545$634,989$971,575
60$1,248,156$736,081$622,854$1,011,260
61$1,341,008$737,689$609,259$1,054,057
62$1,442,245$738,290$594,124$1,100,288
63$1,552,689$737,801$577,362$1,150,313
64$1,673,243$736,134$558,884$1,204,529
65$1,804,902$733,193$538,595$1,263,375
66$1,948,762$728,879$516,398$1,327,339
67$2,106,028$723,086$492,189$1,396,957
68$2,278,028$715,702$465,862$1,472,826
69$2,466,222$706,607$437,304$1,555,605
70$2,672,222$695,676$406,399$1,646,020
71$2,897,798$682,774$373,023$1,744,879
72$3,144,903$667,760$337,049$1,853,072
73$3,415,686$650,483$298,343$1,971,583
74$3,712,514$630,784$256,765$2,101,500
75$4,037,994$608,496$212,170$2,244,027
76$4,394,997$583,440$164,406$2,400,492
77$4,786,686$555,428$113,313$2,572,364
78$5,216,544$524,260$58,725$2,761,266
79$5,688,409$489,726$469$2,968,991
80$6,206,507$451,603$0$3,197,518
81$6,775,494$409,655$0$3,466,811
82$7,400,500$363,633$0$3,762,809
83$8,087,174$313,274$0$4,088,101
84$8,841,741$258,299$0$4,445,692
85$9,671,059$198,416$0$4,838,896
86$10,582,682$133,314$0$5,271,367
87$11,584,934$62,665$0$5,747,137
88$12,686,984$0$0$6,270,650
89$13,898,935$0$0$6,851,085
90$15,231,919$0$0$7,510,808
91$16,698,199$0$0$8,236,591
92$18,311,287$0$0$9,035,134
93$20,086,071$0$0$9,913,818
94$22,038,954$0$0$10,880,776
95$24,188,011$0$0$11,944,971
96$26,553,156$0$0$13,116,276
97$29,156,332$0$0$14,405,570
98$32,021,716$0$0$15,824,843
99$35,175,949$0$0$17,387,304
100$38,648,388$0$0$19,107,507