Can I retire at age 52 with 663,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $663,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$54,750$54,262$53,786$53,322$52,869$51,176
2 years$27,104$26,599$26,110$25,636$25,176$23,486
3 years$17,890$17,383$16,895$16,425$15,972$14,339
4 years$13,284$12,778$12,295$11,833$11,392$9,827
5 years$10,521$10,018$9,542$9,089$8,660$7,167
6 years$8,679$8,181$7,711$7,269$6,852$5,434
7 years$7,365$6,870$6,408$5,976$5,573$4,228
8 years$6,379$5,889$5,434$5,013$4,623$3,351
9 years$5,613$5,127$4,681$4,270$3,893$2,693
10 years$5,000$4,520$4,081$3,681$3,317$2,186
11 years$4,499$4,023$3,593$3,203$2,853$1,790
12 years$4,082$3,611$3,188$2,810$2,472$1,474
13 years$3,729$3,264$2,849$2,481$2,156$1,221
14 years$3,427$2,966$2,559$2,202$1,890$1,015
15 years$3,166$2,710$2,311$1,964$1,664$846
16 years$2,937$2,486$2,095$1,758$1,471$708
17 years$2,736$2,290$1,906$1,580$1,304$594
18 years$2,557$2,116$1,740$1,424$1,159$499
19 years$2,397$1,961$1,593$1,287$1,033$419
20 years$2,253$1,822$1,462$1,165$923$353
21 years$2,123$1,697$1,345$1,057$826$298
22 years$2,006$1,584$1,240$962$740$251
23 years$1,898$1,482$1,144$876$665$212
24 years$1,800$1,388$1,058$799$597$179
25 years$1,709$1,303$980$729$538$152
26 years$1,626$1,225$909$667$484$128
27 years$1,549$1,152$844$610$437$109
28 years$1,478$1,086$785$559$394$92
29 years$1,411$1,024$730$513$356$78
30 years$1,350$968$680$471$321$66
31 years$1,292$915$634$432$291$56
32 years$1,238$865$592$397$263$47
33 years$1,187$820$553$365$238$40
34 years$1,140$777$516$336$215$34
35 years$1,095$737$483$309$195$29
36 years$1,053$699$452$285$177$24
37 years$1,013$664$423$263$160$21
38 years$976$631$396$242$145$18
39 years$940$600$371$223$132$15
40 years$906$571$348$206$119$13
41 years$874$544$326$190$108$11
42 years$844$518$306$175$98$9
43 years$815$493$287$162$89$8
44 years$788$470$269$149$81$7
45 years$762$448$253$138$74$6
46 years$737$428$237$127$67$5
47 years$713$408$223$118$61$4
48 years$690$390$210$109$55$3
49 years$668$372$197$101$50$3
50 years$647$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 $663,000, adding $4,482 every year, while hoping to spend $31,563 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: 55/15/30 Blend
51$663,000$663,000$663,000$663,000
52$735,249$700,110$689,834$769,340
53$776,662$700,833$679,360$794,115
54$821,241$700,533$667,478$817,481
55$869,275$699,127$654,107$842,308
56$921,084$696,527$639,162$868,749
57$977,016$692,639$622,556$896,974
58$1,037,456$687,362$604,195$927,172
59$1,102,825$680,591$583,985$959,551
60$1,173,588$672,215$561,823$994,345
61$1,250,254$662,114$537,604$1,031,810
62$1,333,384$650,161$511,218$1,072,233
63$1,423,596$636,225$482,550$1,115,932
64$1,521,566$620,164$451,479$1,163,257
65$1,628,041$601,827$417,879$1,214,598
66$1,743,842$581,058$381,618$1,270,387
67$1,869,871$557,687$342,560$1,331,102
68$2,007,122$531,538$300,560$1,397,274
69$2,156,689$502,423$255,469$1,469,488
70$2,319,774$470,144$207,130$1,548,394
71$2,497,701$434,492$155,379$1,634,712
72$2,691,928$395,243$100,045$1,729,237
73$2,904,059$352,165$40,951$1,832,850
74$3,135,860$305,008$0$1,946,523
75$3,389,276$253,512$0$2,078,414
76$3,666,448$197,400$0$2,237,083
77$3,969,732$136,379$0$2,410,791
78$4,301,725$70,141$0$2,601,063
79$4,665,284$0$0$2,809,578
80$5,063,556$0$0$3,038,460
81$5,500,008$0$0$3,302,031
82$5,978,458$0$0$3,591,026
83$6,503,109$0$0$3,907,993
84$7,078,592$0$0$4,255,737
85$7,710,007$0$0$4,637,348
86$8,402,973$0$0$5,056,230
87$9,163,678$0$0$5,516,134
88$9,998,938$0$0$6,021,189
89$10,916,262$0$0$6,575,945
90$11,923,923$0$0$7,185,416
91$13,031,032$0$0$7,855,122
92$14,247,629$0$0$8,591,147
93$15,584,773$0$0$9,400,193
94$17,054,647$0$0$10,289,644
95$18,670,677$0$0$11,267,633
96$20,447,649$0$0$12,343,123
97$22,401,859$0$0$13,525,988
98$24,551,257$0$0$14,827,107
99$26,915,623$0$0$16,258,467
100$29,516,748$0$0$17,833,274