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%16.3%
1 years$54,667$54,180$53,705$53,242$52,789$51,429
2 years$27,063$26,559$26,071$25,597$25,138$23,777
3 years$17,863$17,357$16,869$16,400$15,948$14,629
4 years$13,264$12,759$12,277$11,815$11,374$10,107
5 years$10,505$10,003$9,527$9,075$8,647$7,434
6 years$8,666$8,168$7,699$7,258$6,842$5,685
7 years$7,353$6,860$6,398$5,967$5,564$4,464
8 years$6,369$5,880$5,426$5,005$4,616$3,572
9 years$5,604$5,120$4,674$4,264$3,887$2,898
10 years$4,993$4,513$4,075$3,675$3,312$2,377
11 years$4,492$4,017$3,587$3,199$2,849$1,966
12 years$4,076$3,606$3,183$2,806$2,469$1,636
13 years$3,724$3,259$2,844$2,477$2,153$1,370
14 years$3,422$2,962$2,556$2,199$1,887$1,151
15 years$3,161$2,706$2,307$1,961$1,661$971
16 years$2,933$2,483$2,092$1,756$1,468$822
17 years$2,732$2,286$1,904$1,578$1,302$697
18 years$2,553$2,113$1,738$1,422$1,158$592
19 years$2,393$1,958$1,591$1,285$1,032$504
20 years$2,250$1,819$1,460$1,163$922$430
21 years$2,120$1,695$1,343$1,056$825$367
22 years$2,003$1,582$1,238$960$739$314
23 years$1,895$1,480$1,143$874$664$268
24 years$1,797$1,386$1,057$797$597$230
25 years$1,707$1,301$979$728$537$197
26 years$1,624$1,223$908$666$483$169
27 years$1,547$1,151$843$610$436$145
28 years$1,475$1,084$784$558$393$124
29 years$1,409$1,023$729$512$355$106
30 years$1,348$966$679$470$321$91
31 years$1,290$913$633$432$290$78
32 years$1,236$864$591$397$262$67
33 years$1,186$818$552$365$238$58
34 years$1,138$776$515$336$215$50
35 years$1,093$736$482$309$195$43
36 years$1,051$698$451$285$176$37
37 years$1,012$663$422$262$160$32
38 years$974$630$395$242$145$27
39 years$939$599$370$223$131$23
40 years$905$570$347$206$119$20
41 years$873$543$325$190$108$17
42 years$843$517$305$175$98$15
43 years$814$492$286$162$89$13
44 years$787$469$269$149$81$11
45 years$760$448$252$138$73$9
46 years$735$427$237$127$67$8
47 years$712$408$223$118$61$7
48 years$689$389$209$109$55$6
49 years$667$372$197$100$50$5
50 years$646$355$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 $662,000, adding $3,175 every year, while hoping to spend $52,238 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: 40/40/20 Blend
51$662,000$662,000$662,000$662,000
52$732,799$697,713$687,452$757,655
53$751,964$676,320$654,901$754,347
54$771,332$652,128$619,508$745,536
55$790,871$624,945$581,124$734,929
56$810,539$594,567$539,592$722,393
57$830,292$560,779$494,746$707,782
58$850,078$523,353$446,416$690,942
59$869,838$482,049$394,423$671,711
60$889,504$436,612$338,578$649,913
61$909,000$386,773$278,688$625,362
62$928,242$332,249$214,548$597,858
63$947,132$272,738$145,944$567,189
64$965,561$207,924$72,655$533,128
65$983,407$137,471$0$495,432
66$1,000,533$61,026$0$455,029
67$1,016,786$0$0$427,080
68$1,031,995$0$0$405,412
69$1,045,966$0$0$410,011
70$1,058,487$0$0$413,922
71$1,069,319$0$0$417,038
72$1,078,195$0$0$419,240
73$1,084,821$0$0$420,396
74$1,088,868$0$0$420,359
75$1,089,969$0$0$418,967
76$1,087,719$0$0$416,038
77$1,081,666$0$0$411,372
78$1,071,310$0$0$404,746
79$1,056,096$0$0$395,914
80$1,035,409$0$0$384,602
81$1,008,568$0$0$370,509
82$974,816$0$0$353,298
83$933,317$0$0$332,599
84$883,147$0$0$308,001
85$823,280$0$0$279,051
86$752,583$0$0$245,247
87$669,803$0$0$206,033
88$573,554$0$0$160,796
89$462,304$0$0$108,858
90$334,359$0$0$49,469
91$187,848$0$0$0
92$20,703$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