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%15.6%
1 years$54,998$54,508$54,030$53,563$53,108$51,887
2 years$27,227$26,719$26,228$25,752$25,289$24,066
3 years$17,971$17,461$16,971$16,499$16,045$14,857
4 years$13,344$12,836$12,351$11,887$11,443$10,301
5 years$10,568$10,064$9,585$9,130$8,699$7,605
6 years$8,719$8,218$7,746$7,302$6,883$5,838
7 years$7,398$6,901$6,437$6,003$5,598$4,602
8 years$6,408$5,916$5,459$5,036$4,644$3,698
9 years$5,638$5,151$4,702$4,289$3,911$3,013
10 years$5,023$4,540$4,099$3,697$3,332$2,482
11 years$4,520$4,042$3,609$3,218$2,866$2,061
12 years$4,101$3,628$3,203$2,823$2,483$1,724
13 years$3,746$3,278$2,861$2,492$2,166$1,450
14 years$3,443$2,980$2,571$2,212$1,898$1,224
15 years$3,180$2,722$2,321$1,973$1,672$1,038
16 years$2,951$2,498$2,105$1,766$1,477$883
17 years$2,748$2,300$1,915$1,587$1,310$753
18 years$2,569$2,125$1,748$1,430$1,165$643
19 years$2,408$1,970$1,600$1,292$1,038$550
20 years$2,264$1,830$1,469$1,170$927$472
21 years$2,133$1,705$1,351$1,062$830$405
22 years$2,015$1,592$1,245$966$744$348
23 years$1,907$1,489$1,150$880$668$299
24 years$1,808$1,395$1,063$802$600$258
25 years$1,717$1,309$985$733$540$222
26 years$1,633$1,230$913$670$486$191
27 years$1,556$1,158$848$613$439$165
28 years$1,484$1,091$788$562$396$142
29 years$1,418$1,029$734$515$357$123
30 years$1,356$972$683$473$323$106
31 years$1,298$919$637$434$292$91
32 years$1,244$869$594$399$264$79
33 years$1,193$823$555$367$239$68
34 years$1,145$780$519$338$216$59
35 years$1,100$740$485$311$196$51
36 years$1,058$702$454$286$178$44
37 years$1,018$667$425$264$161$38
38 years$980$634$398$243$146$33
39 years$944$603$372$224$132$28
40 years$911$574$349$207$120$25
41 years$878$546$327$191$109$21
42 years$848$520$307$176$99$18
43 years$819$495$288$163$90$16
44 years$791$472$270$150$81$14
45 years$765$450$254$139$74$12
46 years$740$430$239$128$67$10
47 years$716$410$224$118$61$9
48 years$693$391$211$109$55$8
49 years$671$374$198$101$50$7
50 years$650$357$186$93$46$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $666,000, adding $3,505 every year, while hoping to spend $27,509 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: 68/25/7 Blend
51$666,000$666,000$666,000$666,000
52$737,547$702,249$691,926$786,607
53$783,508$707,390$685,837$824,717
54$833,234$711,861$678,621$862,708
55$887,082$715,600$670,212$903,511
56$945,441$718,541$660,541$947,397
57$1,008,741$720,614$649,534$994,663
58$1,077,453$721,745$637,114$1,045,639
59$1,152,098$721,855$623,202$1,100,688
60$1,233,245$720,860$607,713$1,160,208
61$1,321,525$718,670$590,560$1,224,642
62$1,417,627$715,192$571,650$1,294,476
63$1,522,313$710,324$550,888$1,370,247
64$1,636,419$703,960$528,173$1,452,548
65$1,760,868$695,988$503,401$1,542,030
66$1,896,672$686,288$476,461$1,639,416
67$2,044,949$674,732$447,239$1,745,500
68$2,206,927$661,187$415,614$1,861,159
69$2,383,958$645,510$381,462$1,987,361
70$2,577,532$627,550$344,651$2,125,172
71$2,789,289$607,148$305,045$2,275,769
72$3,021,033$584,136$262,502$2,440,452
73$3,274,754$558,334$216,870$2,620,651
74$3,552,639$529,553$167,996$2,817,948
75$3,857,101$497,593$115,716$3,034,084
76$4,190,793$462,243$59,861$3,270,982
77$4,556,641$423,280$253$3,530,761
78$4,957,864$380,466$0$3,815,759
79$5,398,010$333,553$0$4,133,288
80$5,880,986$282,276$0$4,481,788
81$6,411,096$226,356$0$4,864,390
82$6,993,079$165,499$0$5,284,571
83$7,632,158$99,394$0$5,746,162
84$8,334,086$27,712$0$6,253,387
85$9,105,199$0$0$6,810,904
86$9,952,478$0$0$7,437,574
87$10,883,613$0$0$8,134,686
88$11,907,078$0$0$8,900,967
89$13,032,207$0$0$9,743,409
90$14,269,283$0$0$10,669,718
91$15,629,636$0$0$11,688,384
92$17,125,748$0$0$12,808,761
93$18,771,374$0$0$14,041,152
94$20,581,666$0$0$15,396,914
95$22,573,320$0$0$16,888,555
96$24,764,730$0$0$18,529,860
97$27,176,165$0$0$20,336,016
98$29,829,958$0$0$22,323,758
99$32,750,716$0$0$24,511,524
100$35,965,551$0$0$26,919,630