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%14.7%
1 years$54,667$54,180$53,705$53,242$52,789$51,765
2 years$27,063$26,559$26,071$25,597$25,138$24,111
3 years$17,863$17,357$16,869$16,400$15,948$14,950
4 years$13,264$12,759$12,277$11,815$11,374$10,412
5 years$10,505$10,003$9,527$9,075$8,647$7,723
6 years$8,666$8,168$7,699$7,258$6,842$5,958
7 years$7,353$6,860$6,398$5,967$5,564$4,721
8 years$6,369$5,880$5,426$5,005$4,616$3,813
9 years$5,604$5,120$4,674$4,264$3,887$3,124
10 years$4,993$4,513$4,075$3,675$3,312$2,587
11 years$4,492$4,017$3,587$3,199$2,849$2,161
12 years$4,076$3,606$3,183$2,806$2,469$1,818
13 years$3,724$3,259$2,844$2,477$2,153$1,538
14 years$3,422$2,962$2,556$2,199$1,887$1,307
15 years$3,161$2,706$2,307$1,961$1,661$1,115
16 years$2,933$2,483$2,092$1,756$1,468$954
17 years$2,732$2,286$1,904$1,578$1,302$819
18 years$2,553$2,113$1,738$1,422$1,158$704
19 years$2,393$1,958$1,591$1,285$1,032$607
20 years$2,250$1,819$1,460$1,163$922$524
21 years$2,120$1,695$1,343$1,056$825$452
22 years$2,003$1,582$1,238$960$739$392
23 years$1,895$1,480$1,143$874$664$339
24 years$1,797$1,386$1,057$797$597$294
25 years$1,707$1,301$979$728$537$255
26 years$1,624$1,223$908$666$483$221
27 years$1,547$1,151$843$610$436$192
28 years$1,475$1,084$784$558$393$167
29 years$1,409$1,023$729$512$355$145
30 years$1,348$966$679$470$321$126
31 years$1,290$913$633$432$290$110
32 years$1,236$864$591$397$262$96
33 years$1,186$818$552$365$238$83
34 years$1,138$776$515$336$215$72
35 years$1,093$736$482$309$195$63
36 years$1,051$698$451$285$176$55
37 years$1,012$663$422$262$160$48
38 years$974$630$395$242$145$42
39 years$939$599$370$223$131$36
40 years$905$570$347$206$119$32
41 years$873$543$325$190$108$28
42 years$843$517$305$175$98$24
43 years$814$492$286$162$89$21
44 years$787$469$269$149$81$18
45 years$760$448$252$138$73$16
46 years$735$427$237$127$67$14
47 years$712$408$223$118$61$12
48 years$689$389$209$109$55$11
49 years$667$372$197$100$50$9
50 years$646$355$185$93$45$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $662,000, adding $5,698 every year, while hoping to spend $40,587 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: 32/46/22 Blend
51$662,000$662,000$662,000$662,000
52$735,401$700,315$690,054$753,792
53$767,228$691,447$669,987$759,242
54$800,941$680,783$647,887$761,045
55$836,689$668,194$623,644$762,152
56$874,636$653,540$597,141$762,527
57$914,961$636,676$568,257$762,136
58$957,859$617,445$536,865$760,943
59$1,003,545$595,683$502,834$758,914
60$1,052,251$571,216$466,024$756,017
61$1,104,236$543,861$426,291$752,220
62$1,159,779$513,422$383,483$747,494
63$1,219,190$479,693$337,443$741,814
64$1,282,806$442,456$288,005$735,154
65$1,350,997$401,481$234,998$727,497
66$1,424,170$356,525$178,242$718,826
67$1,502,770$307,330$117,549$709,133
68$1,587,289$253,625$52,722$698,414
69$1,678,261$195,122$0$686,675
70$1,776,279$131,518$0$677,791
71$1,881,990$62,493$0$681,382
72$1,996,106$0$0$685,145
73$2,119,410$0$0$695,407
74$2,252,762$0$0$740,794
75$2,397,106$0$0$790,007
76$2,553,482$0$0$843,409
77$2,723,032$0$0$901,402
78$2,907,013$0$0$964,427
79$3,106,807$0$0$1,032,970
80$3,323,932$0$0$1,107,565
81$3,560,062$0$0$1,188,799
82$3,817,035$0$0$1,277,320
83$4,096,875$0$0$1,373,838
84$4,401,810$0$0$1,479,138
85$4,734,291$0$0$1,594,080
86$5,097,015$0$0$1,719,616
87$5,492,951$0$0$1,856,788
88$5,925,368$0$0$2,006,748
89$6,397,864$0$0$2,170,761
90$6,914,399$0$0$2,350,223
91$7,479,336$0$0$2,546,668
92$8,097,476$0$0$2,761,787
93$8,774,107$0$0$2,997,442
94$9,515,050$0$0$3,255,684
95$10,326,719$0$0$3,538,770
96$11,216,173$0$0$3,849,188
97$12,191,189$0$0$4,189,676
98$13,260,333$0$0$4,563,252
99$14,433,037$0$0$4,973,239
100$15,719,692$0$0$5,423,297