Can I retire at age 52 with 666,000?

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 $666,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$54,998$54,508$54,030$53,563$53,108$52,685
2 years$27,227$26,719$26,228$25,752$25,289$24,863
3 years$17,971$17,461$16,971$16,499$16,045$15,628
4 years$13,344$12,836$12,351$11,887$11,443$11,040
5 years$10,568$10,064$9,585$9,130$8,699$8,310
6 years$8,719$8,218$7,746$7,302$6,883$6,509
7 years$7,398$6,901$6,437$6,003$5,598$5,238
8 years$6,408$5,916$5,459$5,036$4,644$4,299
9 years$5,638$5,151$4,702$4,289$3,911$3,581
10 years$5,023$4,540$4,099$3,697$3,332$3,017
11 years$4,520$4,042$3,609$3,218$2,866$2,565
12 years$4,101$3,628$3,203$2,823$2,483$2,196
13 years$3,746$3,278$2,861$2,492$2,166$1,892
14 years$3,443$2,980$2,571$2,212$1,898$1,638
15 years$3,180$2,722$2,321$1,973$1,672$1,425
16 years$2,951$2,498$2,105$1,766$1,477$1,243
17 years$2,748$2,300$1,915$1,587$1,310$1,088
18 years$2,569$2,125$1,748$1,430$1,165$955
19 years$2,408$1,970$1,600$1,292$1,038$840
20 years$2,264$1,830$1,469$1,170$927$740
21 years$2,133$1,705$1,351$1,062$830$653
22 years$2,015$1,592$1,245$966$744$577
23 years$1,907$1,489$1,150$880$668$511
24 years$1,808$1,395$1,063$802$600$452
25 years$1,717$1,309$985$733$540$401
26 years$1,633$1,230$913$670$486$356
27 years$1,556$1,158$848$613$439$316
28 years$1,484$1,091$788$562$396$281
29 years$1,418$1,029$734$515$357$250
30 years$1,356$972$683$473$323$223
31 years$1,298$919$637$434$292$198
32 years$1,244$869$594$399$264$176
33 years$1,193$823$555$367$239$157
34 years$1,145$780$519$338$216$140
35 years$1,100$740$485$311$196$125
36 years$1,058$702$454$286$178$111
37 years$1,018$667$425$264$161$99
38 years$980$634$398$243$146$89
39 years$944$603$372$224$132$79
40 years$911$574$349$207$120$71
41 years$878$546$327$191$109$63
42 years$848$520$307$176$99$56
43 years$819$495$288$163$90$50
44 years$791$472$270$150$81$45
45 years$765$450$254$139$74$40
46 years$740$430$239$128$67$36
47 years$716$410$224$118$61$32
48 years$693$391$211$109$55$29
49 years$671$374$198$101$50$25
50 years$650$357$186$93$46$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $666,000, adding $5,242 every year, while hoping to spend $39,475 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: 54/17/29 Blend
51$666,000$666,000$666,000$666,000
52$739,339$704,041$693,718$773,040
53$772,751$696,538$674,957$789,428
54$808,247$687,344$654,244$802,800
55$845,999$676,335$631,472$816,578
56$886,195$663,379$606,530$830,814
57$929,038$648,336$579,300$845,572
58$974,754$631,058$549,660$860,921
59$1,023,587$611,389$517,482$876,942
60$1,075,808$589,162$482,633$893,726
61$1,131,712$564,202$444,972$911,374
62$1,191,622$536,324$404,355$930,004
63$1,255,894$505,330$360,627$949,746
64$1,324,918$471,014$313,631$970,748
65$1,399,121$433,155$263,199$993,174
66$1,478,973$391,522$209,158$1,017,212
67$1,564,990$345,868$151,327$1,043,069
68$1,657,739$295,935$89,516$1,070,981
69$1,757,841$241,449$23,527$1,101,210
70$1,865,981$182,120$0$1,134,049
71$1,982,909$117,642$0$1,184,336
72$2,109,452$47,692$0$1,246,642
73$2,246,517$0$0$1,314,155
74$2,395,103$0$0$1,392,658
75$2,556,306$0$0$1,487,559
76$2,731,335$0$0$1,590,656
77$2,921,517$0$0$1,702,736
78$3,128,313$0$0$1,824,668
79$3,353,329$0$0$1,957,407
80$3,598,333$0$0$2,102,004
81$3,865,271$0$0$2,259,616
82$4,156,284$0$0$2,431,515
83$4,473,728$0$0$2,619,103
84$4,820,196$0$0$2,823,921
85$5,198,544$0$0$3,047,667
86$5,611,914$0$0$3,292,210
87$6,063,767$0$0$3,559,608
88$6,557,910$0$0$3,852,125
89$7,098,538$0$0$4,172,256
90$7,690,270$0$0$4,522,747
91$8,338,191$0$0$4,906,624
92$9,047,900$0$0$5,327,217
93$9,825,565$0$0$5,788,194
94$10,677,977$0$0$6,293,595
95$11,612,616$0$0$6,847,870
96$12,637,721$0$0$7,455,919
97$13,762,367$0$0$8,123,140
98$14,996,548$0$0$8,855,479
99$16,351,274$0$0$9,659,486
100$17,838,671$0$0$10,542,376