Can I retire at age 52 with 665,000?

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 $665,000?

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$54,915$54,426$53,949$53,483$53,028$51,331
2 years$27,186$26,679$26,189$25,713$25,251$23,557
3 years$17,944$17,435$16,946$16,475$16,021$14,382
4 years$13,324$12,817$12,332$11,869$11,426$9,856
5 years$10,552$10,049$9,570$9,117$8,686$7,189
6 years$8,705$8,205$7,734$7,291$6,873$5,450
7 years$7,387$6,891$6,427$5,994$5,589$4,241
8 years$6,398$5,907$5,451$5,028$4,637$3,361
9 years$5,630$5,143$4,695$4,283$3,905$2,701
10 years$5,015$4,533$4,093$3,692$3,327$2,193
11 years$4,513$4,036$3,603$3,213$2,862$1,795
12 years$4,094$3,622$3,198$2,818$2,480$1,479
13 years$3,741$3,273$2,857$2,488$2,162$1,224
14 years$3,438$2,975$2,567$2,209$1,896$1,018
15 years$3,175$2,718$2,318$1,970$1,669$849
16 years$2,946$2,494$2,101$1,764$1,475$710
17 years$2,744$2,297$1,912$1,585$1,308$595
18 years$2,565$2,122$1,746$1,428$1,163$500
19 years$2,404$1,967$1,598$1,290$1,037$421
20 years$2,260$1,828$1,467$1,169$926$354
21 years$2,130$1,702$1,349$1,061$829$299
22 years$2,012$1,589$1,243$964$743$252
23 years$1,904$1,486$1,148$878$667$213
24 years$1,805$1,393$1,062$801$599$180
25 years$1,714$1,307$983$732$539$152
26 years$1,631$1,228$912$669$486$129
27 years$1,554$1,156$847$612$438$109
28 years$1,482$1,089$787$561$395$92
29 years$1,416$1,028$733$514$357$78
30 years$1,354$970$682$472$322$66
31 years$1,296$917$636$434$291$56
32 years$1,242$868$594$398$264$48
33 years$1,191$822$554$366$239$40
34 years$1,143$779$518$337$216$34
35 years$1,098$739$484$310$196$29
36 years$1,056$701$453$286$177$25
37 years$1,016$666$424$263$161$21
38 years$979$633$397$243$146$18
39 years$943$602$372$224$132$15
40 years$909$573$349$206$120$13
41 years$877$545$327$190$109$11
42 years$847$519$307$176$99$9
43 years$818$495$288$162$90$8
44 years$790$472$270$150$81$7
45 years$764$450$254$138$74$6
46 years$739$429$238$128$67$5
47 years$715$409$224$118$61$4
48 years$692$391$210$109$55$3
49 years$670$373$198$101$50$3
50 years$649$357$186$93$46$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $665,000, adding $2,866 every year, while hoping to spend $33,204 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: 56/25/19 Blend
51$665,000$665,000$665,000$665,000
52$735,786$700,541$690,234$773,099
53$775,508$699,539$678,028$797,852
54$818,168$697,375$664,300$820,999
55$864,031$693,957$648,965$845,482
56$913,389$689,187$631,931$871,436
57$966,560$682,962$613,106$899,012
58$1,023,894$675,172$592,390$928,378
59$1,085,777$665,701$569,681$959,723
60$1,152,631$654,426$544,870$993,253
61$1,224,922$641,215$517,846$1,029,198
62$1,303,160$625,931$488,490$1,067,816
63$1,387,907$608,427$456,679$1,109,390
64$1,479,782$588,547$422,286$1,154,235
65$1,579,461$566,128$385,175$1,202,701
66$1,687,694$540,996$345,206$1,255,177
67$1,805,301$512,967$302,232$1,312,091
68$1,933,186$481,846$256,101$1,373,922
69$2,072,343$447,429$206,653$1,441,197
70$2,223,866$409,497$153,720$1,514,501
71$2,388,960$367,822$97,128$1,594,484
72$2,568,947$322,159$36,696$1,681,864
73$2,765,288$272,252$0$1,777,435
74$2,979,586$217,831$0$1,887,714
75$3,213,608$158,609$0$2,016,345
76$3,469,298$94,283$0$2,157,002
77$3,748,797$24,534$0$2,310,921
78$4,054,463$0$0$2,479,469
79$4,388,891$0$0$2,678,176
80$4,754,938$0$0$2,903,116
81$5,155,750$0$0$3,149,481
82$5,594,793$0$0$3,419,408
83$6,075,883$0$0$3,715,251
84$6,603,222$0$0$4,039,602
85$7,181,440$0$0$4,395,317
86$7,815,633$0$0$4,785,541
87$8,511,417$0$0$5,213,738
88$9,274,977$0$0$5,683,723
89$10,113,125$0$0$6,199,699
90$11,033,364$0$0$6,766,296
91$12,043,963$0$0$7,388,614
92$13,154,026$0$0$8,072,271
93$14,373,585$0$0$8,823,458
94$15,713,692$0$0$9,648,991
95$17,186,521$0$0$10,556,383
96$18,805,484$0$0$11,553,910
97$20,585,358$0$0$12,650,689
98$22,542,423$0$0$13,856,766
99$24,694,616$0$0$15,183,207
100$27,061,698$0$0$16,642,206