Can I retire at age 52 with 663,000?

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 $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%17.2%
1 years$54,750$54,262$53,786$53,322$52,869$51,320
2 years$27,104$26,599$26,110$25,636$25,176$23,628
3 years$17,890$17,383$16,895$16,425$15,972$14,474
4 years$13,284$12,778$12,295$11,833$11,392$9,955
5 years$10,521$10,018$9,542$9,089$8,660$7,288
6 years$8,679$8,181$7,711$7,269$6,852$5,546
7 years$7,365$6,870$6,408$5,976$5,573$4,333
8 years$6,379$5,889$5,434$5,013$4,623$3,448
9 years$5,613$5,127$4,681$4,270$3,893$2,783
10 years$5,000$4,520$4,081$3,681$3,317$2,269
11 years$4,499$4,023$3,593$3,203$2,853$1,866
12 years$4,082$3,611$3,188$2,810$2,472$1,544
13 years$3,729$3,264$2,849$2,481$2,156$1,285
14 years$3,427$2,966$2,559$2,202$1,890$1,073
15 years$3,166$2,710$2,311$1,964$1,664$900
16 years$2,937$2,486$2,095$1,758$1,471$756
17 years$2,736$2,290$1,906$1,580$1,304$637
18 years$2,557$2,116$1,740$1,424$1,159$538
19 years$2,397$1,961$1,593$1,287$1,033$455
20 years$2,253$1,822$1,462$1,165$923$385
21 years$2,123$1,697$1,345$1,057$826$327
22 years$2,006$1,584$1,240$962$740$277
23 years$1,898$1,482$1,144$876$665$235
24 years$1,800$1,388$1,058$799$597$200
25 years$1,709$1,303$980$729$538$170
26 years$1,626$1,225$909$667$484$145
27 years$1,549$1,152$844$610$437$123
28 years$1,478$1,086$785$559$394$105
29 years$1,411$1,024$730$513$356$89
30 years$1,350$968$680$471$321$76
31 years$1,292$915$634$432$291$65
32 years$1,238$865$592$397$263$55
33 years$1,187$820$553$365$238$47
34 years$1,140$777$516$336$215$40
35 years$1,095$737$483$309$195$34
36 years$1,053$699$452$285$177$29
37 years$1,013$664$423$263$160$25
38 years$976$631$396$242$145$21
39 years$940$600$371$223$132$18
40 years$906$571$348$206$119$15
41 years$874$544$326$190$108$13
42 years$844$518$306$175$98$11
43 years$815$493$287$162$89$10
44 years$788$470$269$149$81$8
45 years$762$448$253$138$74$7
46 years$737$428$237$127$67$6
47 years$713$408$223$118$61$5
48 years$690$390$210$109$55$4
49 years$668$372$197$101$50$4
50 years$647$355$185$93$45$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $663,000, adding $2,197 every year, while hoping to spend $49,409 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: 52/41/7 Blend
51$663,000$663,000$663,000$663,000
52$732,892$697,753$687,477$769,638
53$755,076$679,372$657,936$776,446
54$777,867$658,435$625,750$778,298
55$801,275$634,763$590,778$779,129
56$825,308$608,170$552,872$778,855
57$849,975$578,456$511,879$777,382
58$875,284$545,411$467,638$774,613
59$901,240$508,813$419,981$770,445
60$927,849$468,428$368,733$764,767
61$955,115$424,006$313,711$757,460
62$983,039$375,285$254,723$748,400
63$1,011,623$321,987$191,570$737,453
64$1,040,864$263,820$124,043$724,478
65$1,070,758$200,474$51,924$709,322
66$1,101,299$131,620$0$691,825
67$1,132,477$56,915$0$673,687
68$1,164,278$0$0$657,115
69$1,196,686$0$0$648,882
70$1,229,681$0$0$666,628
71$1,263,234$0$0$684,657
72$1,297,317$0$0$702,952
73$1,331,890$0$0$721,490
74$1,366,911$0$0$740,243
75$1,402,328$0$0$759,182
76$1,438,081$0$0$778,272
77$1,474,101$0$0$797,470
78$1,510,309$0$0$816,730
79$1,546,615$0$0$836,000
80$1,582,915$0$0$855,218
81$1,619,092$0$0$874,315
82$1,655,013$0$0$893,214
83$1,690,527$0$0$911,827
84$1,725,465$0$0$930,055
85$1,759,635$0$0$947,787
86$1,792,823$0$0$964,897
87$1,824,787$0$0$981,247
88$1,855,259$0$0$996,678
89$1,883,936$0$0$1,011,018
90$1,910,480$0$0$1,024,069
91$1,934,514$0$0$1,035,615
92$1,955,619$0$0$1,045,411
93$1,973,326$0$0$1,053,187
94$1,987,113$0$0$1,058,643
95$1,996,400$0$0$1,061,444
96$2,000,543$0$0$1,061,217
97$1,998,824$0$0$1,057,549
98$1,990,448$0$0$1,049,981
99$1,974,531$0$0$1,038,006
100$1,950,095$0$0$1,021,058