Can I retire at age 52 with 662,000?

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 $662,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$54,667$54,180$53,705$53,242$52,789$50,997
2 years$27,063$26,559$26,071$25,597$25,138$23,350
3 years$17,863$17,357$16,869$16,400$15,948$14,222
4 years$13,264$12,759$12,277$11,815$11,374$9,722
5 years$10,505$10,003$9,527$9,075$8,647$7,072
6 years$8,666$8,168$7,699$7,258$6,842$5,347
7 years$7,353$6,860$6,398$5,967$5,564$4,149
8 years$6,369$5,880$5,426$5,005$4,616$3,279
9 years$5,604$5,120$4,674$4,264$3,887$2,626
10 years$4,993$4,513$4,075$3,675$3,312$2,126
11 years$4,492$4,017$3,587$3,199$2,849$1,734
12 years$4,076$3,606$3,183$2,806$2,469$1,424
13 years$3,724$3,259$2,844$2,477$2,153$1,175
14 years$3,422$2,962$2,556$2,199$1,887$973
15 years$3,161$2,706$2,307$1,961$1,661$809
16 years$2,933$2,483$2,092$1,756$1,468$674
17 years$2,732$2,286$1,904$1,578$1,302$563
18 years$2,553$2,113$1,738$1,422$1,158$471
19 years$2,393$1,958$1,591$1,285$1,032$395
20 years$2,250$1,819$1,460$1,163$922$331
21 years$2,120$1,695$1,343$1,056$825$278
22 years$2,003$1,582$1,238$960$739$234
23 years$1,895$1,480$1,143$874$664$197
24 years$1,797$1,386$1,057$797$597$166
25 years$1,707$1,301$979$728$537$140
26 years$1,624$1,223$908$666$483$118
27 years$1,547$1,151$843$610$436$99
28 years$1,475$1,084$784$558$393$84
29 years$1,409$1,023$729$512$355$71
30 years$1,348$966$679$470$321$60
31 years$1,290$913$633$432$290$50
32 years$1,236$864$591$397$262$42
33 years$1,186$818$552$365$238$36
34 years$1,138$776$515$336$215$30
35 years$1,093$736$482$309$195$25
36 years$1,051$698$451$285$176$22
37 years$1,012$663$422$262$160$18
38 years$974$630$395$242$145$15
39 years$939$599$370$223$131$13
40 years$905$570$347$206$119$11
41 years$873$543$325$190$108$9
42 years$843$517$305$175$98$8
43 years$814$492$286$162$89$7
44 years$787$469$269$149$81$6
45 years$760$448$252$138$73$5
46 years$735$427$237$127$67$4
47 years$712$408$223$118$61$3
48 years$689$389$209$109$55$3
49 years$667$372$197$100$50$2
50 years$646$355$185$93$45$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $662,000, adding $4,441 every year, while hoping to spend $47,836 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: 55/26/19 Blend
51$662,000$662,000$662,000$662,000
52$734,105$699,019$688,758$770,495
53$758,086$682,374$660,934$779,199
54$782,911$663,310$630,575$783,205
55$808,614$641,658$597,545$786,516
56$835,232$617,239$561,703$789,080
57$862,806$589,864$522,900$790,839
58$891,378$559,333$480,983$791,735
59$920,992$525,433$435,789$791,704
60$951,695$487,941$387,150$790,682
61$983,538$446,621$334,890$788,600
62$1,016,574$401,220$278,824$785,386
63$1,050,860$351,476$218,760$780,964
64$1,086,458$297,108$154,498$775,257
65$1,123,431$237,821$85,828$768,182
66$1,161,849$173,302$12,532$759,652
67$1,201,787$103,223$0$749,579
68$1,243,323$27,235$0$751,186
69$1,286,543$0$0$754,636
70$1,331,538$0$0$773,078
71$1,378,406$0$0$800,415
72$1,427,253$0$0$828,917
73$1,478,192$0$0$858,653
74$1,531,345$0$0$889,695
75$1,586,846$0$0$922,123
76$1,644,835$0$0$956,020
77$1,705,467$0$0$991,481
78$1,768,909$0$0$1,028,604
79$1,835,341$0$0$1,067,497
80$1,904,958$0$0$1,108,277
81$1,977,972$0$0$1,151,072
82$2,054,612$0$0$1,196,019
83$2,135,129$0$0$1,243,267
84$2,219,793$0$0$1,292,981
85$2,308,900$0$0$1,345,337
86$2,402,771$0$0$1,400,528
87$2,501,754$0$0$1,458,765
88$2,606,232$0$0$1,520,276
89$2,716,619$0$0$1,585,312
90$2,833,370$0$0$1,654,146
91$2,956,978$0$0$1,727,075
92$3,087,984$0$0$1,804,426
93$3,226,979$0$0$1,886,553
94$3,374,607$0$0$1,973,848
95$3,531,576$0$0$2,066,734
96$3,698,658$0$0$2,165,679
97$3,876,698$0$0$2,271,193
98$4,066,623$0$0$2,383,834
99$4,269,446$0$0$2,504,216
100$4,486,281$0$0$2,633,009