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%16.3%
1 years$54,585$54,099$53,624$53,161$52,709$51,352
2 years$27,022$26,519$26,031$25,558$25,100$23,741
3 years$17,836$17,330$16,844$16,375$15,924$14,607
4 years$13,244$12,740$12,258$11,798$11,357$10,091
5 years$10,489$9,988$9,513$9,062$8,634$7,423
6 years$8,653$8,156$7,688$7,247$6,831$5,677
7 years$7,342$6,849$6,389$5,958$5,556$4,458
8 years$6,360$5,871$5,418$4,998$4,609$3,567
9 years$5,596$5,112$4,666$4,257$3,882$2,894
10 years$4,985$4,506$4,068$3,670$3,307$2,373
11 years$4,486$4,011$3,582$3,194$2,844$1,963
12 years$4,070$3,600$3,179$2,801$2,465$1,634
13 years$3,718$3,254$2,840$2,473$2,149$1,367
14 years$3,417$2,958$2,552$2,195$1,884$1,150
15 years$3,156$2,702$2,304$1,958$1,659$970
16 years$2,928$2,479$2,089$1,753$1,466$820
17 years$2,728$2,283$1,901$1,575$1,300$696
18 years$2,549$2,109$1,735$1,420$1,156$592
19 years$2,390$1,955$1,588$1,283$1,030$504
20 years$2,247$1,817$1,458$1,162$920$429
21 years$2,117$1,692$1,341$1,054$824$367
22 years$2,000$1,580$1,236$959$738$313
23 years$1,892$1,477$1,141$873$663$268
24 years$1,794$1,384$1,055$796$596$229
25 years$1,704$1,299$977$727$536$196
26 years$1,621$1,221$906$665$483$168
27 years$1,544$1,149$842$609$435$144
28 years$1,473$1,083$783$558$393$124
29 years$1,407$1,021$728$511$355$106
30 years$1,346$965$678$469$320$91
31 years$1,288$912$632$431$290$78
32 years$1,234$863$590$396$262$67
33 years$1,184$817$551$364$237$58
34 years$1,136$774$515$335$215$50
35 years$1,092$735$481$309$194$43
36 years$1,050$697$450$284$176$37
37 years$1,010$662$421$262$160$31
38 years$973$629$395$241$145$27
39 years$937$598$370$222$131$23
40 years$904$569$346$205$119$20
41 years$872$542$325$189$108$17
42 years$842$516$305$175$98$15
43 years$813$492$286$161$89$13
44 years$785$469$268$149$81$11
45 years$759$447$252$138$73$9
46 years$734$426$237$127$67$8
47 years$711$407$222$117$60$7
48 years$688$388$209$108$55$6
49 years$666$371$196$100$50$5
50 years$645$354$185$93$45$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $661,000, adding $2,587 every year, while hoping to spend $52,725 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: 59/24/17 Blend
51$661,000$661,000$661,000$661,000
52$731,090$696,057$685,812$770,866
53$749,563$674,065$652,688$776,083
54$768,152$649,228$616,687$775,728
55$786,815$621,352$577,657$774,128
56$805,501$590,229$535,439$771,170
57$824,153$555,642$489,868$766,734
58$842,708$517,359$440,769$760,689
59$861,091$475,137$387,963$752,894
60$879,222$428,718$331,258$743,198
61$897,006$377,828$270,459$731,437
62$914,339$322,180$205,358$717,435
63$931,104$261,469$135,740$701,000
64$947,169$195,374$61,380$681,928
65$962,387$123,555$0$659,995
66$976,594$45,652$0$638,223
67$989,606$0$0$625,184
68$1,001,216$0$0$619,722
69$1,011,197$0$0$625,227
70$1,019,294$0$0$629,476
71$1,025,222$0$0$632,283
72$1,028,667$0$0$633,442
73$1,029,278$0$0$632,725
74$1,026,665$0$0$629,877
75$1,020,396$0$0$624,615
76$1,009,992$0$0$616,628
77$994,920$0$0$605,567
78$974,591$0$0$591,048
79$948,352$0$0$572,645
80$915,478$0$0$549,887
81$875,168$0$0$522,250
82$826,536$0$0$489,157
83$768,599$0$0$449,968
84$700,272$0$0$403,976
85$620,354$0$0$350,398
86$527,517$0$0$288,370
87$420,293$0$0$216,934
88$297,060$0$0$135,036
89$156,024$0$0$41,507
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0