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%12.5%
1 years$54,998$54,508$54,030$53,563$53,108$52,553
2 years$27,227$26,719$26,228$25,752$25,289$24,731
3 years$17,971$17,461$16,971$16,499$16,045$15,500
4 years$13,344$12,836$12,351$11,887$11,443$10,916
5 years$10,568$10,064$9,585$9,130$8,699$8,191
6 years$8,719$8,218$7,746$7,302$6,883$6,395
7 years$7,398$6,901$6,437$6,003$5,598$5,129
8 years$6,408$5,916$5,459$5,036$4,644$4,195
9 years$5,638$5,151$4,702$4,289$3,911$3,482
10 years$5,023$4,540$4,099$3,697$3,332$2,923
11 years$4,520$4,042$3,609$3,218$2,866$2,476
12 years$4,101$3,628$3,203$2,823$2,483$2,112
13 years$3,746$3,278$2,861$2,492$2,166$1,813
14 years$3,443$2,980$2,571$2,212$1,898$1,563
15 years$3,180$2,722$2,321$1,973$1,672$1,354
16 years$2,951$2,498$2,105$1,766$1,477$1,177
17 years$2,748$2,300$1,915$1,587$1,310$1,025
18 years$2,569$2,125$1,748$1,430$1,165$896
19 years$2,408$1,970$1,600$1,292$1,038$785
20 years$2,264$1,830$1,469$1,170$927$688
21 years$2,133$1,705$1,351$1,062$830$605
22 years$2,015$1,592$1,245$966$744$532
23 years$1,907$1,489$1,150$880$668$469
24 years$1,808$1,395$1,063$802$600$413
25 years$1,717$1,309$985$733$540$365
26 years$1,633$1,230$913$670$486$322
27 years$1,556$1,158$848$613$439$285
28 years$1,484$1,091$788$562$396$252
29 years$1,418$1,029$734$515$357$223
30 years$1,356$972$683$473$323$198
31 years$1,298$919$637$434$292$175
32 years$1,244$869$594$399$264$155
33 years$1,193$823$555$367$239$138
34 years$1,145$780$519$338$216$122
35 years$1,100$740$485$311$196$108
36 years$1,058$702$454$286$178$96
37 years$1,018$667$425$264$161$85
38 years$980$634$398$243$146$76
39 years$944$603$372$224$132$67
40 years$911$574$349$207$120$60
41 years$878$546$327$191$109$53
42 years$848$520$307$176$99$47
43 years$819$495$288$163$90$42
44 years$791$472$270$150$81$37
45 years$765$450$254$139$74$33
46 years$740$430$239$128$67$29
47 years$716$410$224$118$61$26
48 years$693$391$211$109$55$23
49 years$671$374$198$101$50$21
50 years$650$357$186$93$46$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $666,000, adding $5,419 every year, while hoping to spend $55,308 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: 56/16/28 Blend
51$666,000$666,000$666,000$666,000
52$739,522$704,224$693,901$774,956
53$756,106$679,883$658,299$775,593
54$772,527$652,497$619,651$770,084
55$788,712$621,856$577,796$762,960
56$804,575$587,742$532,567$754,082
57$820,022$549,921$483,788$743,302
58$834,946$508,149$431,277$730,461
59$849,228$462,165$374,842$715,386
60$862,733$411,696$314,283$697,892
61$875,313$356,450$249,393$677,776
62$886,801$296,121$179,953$654,821
63$897,009$230,386$105,736$628,794
64$905,731$158,902$26,505$599,438
65$912,736$81,308$0$566,481
66$917,765$0$0$546,966
67$920,533$0$0$533,297
68$920,722$0$0$532,318
69$917,978$0$0$529,495
70$911,910$0$0$524,584
71$902,083$0$0$517,317
72$888,013$0$0$507,394
73$869,167$0$0$494,484
74$844,951$0$0$478,220
75$814,710$0$0$458,197
76$777,718$0$0$433,964
77$733,168$0$0$405,023
78$680,173$0$0$370,825
79$617,748$0$0$330,760
80$544,803$0$0$284,154
81$460,135$0$0$230,264
82$362,413$0$0$168,267
83$250,168$0$0$97,253
84$121,773$0$0$16,219
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0