Can I retire at age 52 with 667,000?

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 $667,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$55,080$54,590$54,111$53,644$53,188$52,698
2 years$27,267$26,760$26,267$25,790$25,327$24,834
3 years$17,998$17,488$16,997$16,524$16,069$15,587
4 years$13,364$12,855$12,369$11,905$11,460$10,994
5 years$10,584$10,079$9,599$9,144$8,712$8,262
6 years$8,732$8,230$7,757$7,312$6,893$6,461
7 years$7,409$6,912$6,447$6,012$5,606$5,191
8 years$6,417$5,924$5,467$5,043$4,651$4,253
9 years$5,647$5,158$4,709$4,296$3,917$3,536
10 years$5,030$4,547$4,105$3,703$3,337$2,974
11 years$4,526$4,048$3,614$3,223$2,870$2,524
12 years$4,107$3,633$3,208$2,827$2,487$2,157
13 years$3,752$3,283$2,866$2,496$2,169$1,855
14 years$3,448$2,984$2,575$2,215$1,901$1,603
15 years$3,185$2,726$2,325$1,976$1,674$1,391
16 years$2,955$2,501$2,108$1,769$1,479$1,211
17 years$2,752$2,304$1,918$1,589$1,312$1,058
18 years$2,572$2,129$1,751$1,432$1,166$926
19 years$2,412$1,973$1,603$1,294$1,040$813
20 years$2,267$1,833$1,471$1,172$929$715
21 years$2,136$1,708$1,353$1,064$831$629
22 years$2,018$1,594$1,247$967$745$555
23 years$1,910$1,491$1,151$881$669$490
24 years$1,811$1,397$1,065$803$601$433
25 years$1,720$1,311$986$734$541$383
26 years$1,636$1,232$915$671$487$339
27 years$1,558$1,159$849$614$439$301
28 years$1,487$1,093$790$563$396$267
29 years$1,420$1,031$735$516$358$237
30 years$1,358$973$684$474$323$210
31 years$1,300$920$638$435$292$187
32 years$1,245$871$595$400$264$166
33 years$1,194$824$556$368$239$147
34 years$1,147$781$519$338$217$131
35 years$1,102$741$486$311$196$116
36 years$1,059$703$454$287$178$104
37 years$1,019$668$425$264$161$92
38 years$982$635$398$243$146$82
39 years$946$604$373$225$132$73
40 years$912$574$350$207$120$65
41 years$880$547$328$191$109$58
42 years$849$521$308$176$99$52
43 years$820$496$289$163$90$46
44 years$792$473$271$150$81$41
45 years$766$451$254$139$74$36
46 years$741$430$239$128$67$32
47 years$717$411$224$118$61$29
48 years$694$392$211$109$55$26
49 years$672$374$198$101$50$23
50 years$651$358$186$93$46$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $667,000, adding $4,073 every year, while hoping to spend $41,268 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: 44/34/22 Blend
51$667,000$667,000$667,000$667,000
52$739,235$703,884$693,546$766,890
53$770,728$694,466$672,871$777,415
54$804,051$683,203$650,120$784,478
55$839,345$669,961$625,180$791,297
56$876,768$654,599$597,934$797,870
57$916,490$636,966$568,256$804,198
58$958,698$616,903$536,019$810,286
59$1,003,596$594,242$501,086$816,143
60$1,051,408$568,805$463,317$821,780
61$1,102,378$540,402$422,564$827,217
62$1,156,774$508,836$378,674$832,477
63$1,214,890$473,894$331,485$837,590
64$1,277,048$435,354$280,829$842,596
65$1,343,600$392,980$226,530$847,541
66$1,414,935$346,523$168,406$852,483
67$1,491,475$295,719$106,264$857,490
68$1,573,687$240,291$39,906$862,643
69$1,662,082$179,945$0$868,039
70$1,757,222$114,370$0$881,045
71$1,859,723$43,238$0$905,004
72$1,970,262$0$0$930,744
73$2,089,583$0$0$971,139
74$2,218,502$0$0$1,032,325
75$2,357,918$0$0$1,098,558
76$2,508,818$0$0$1,170,317
77$2,672,287$0$0$1,248,126
78$2,849,519$0$0$1,332,562
79$3,041,825$0$0$1,424,261
80$3,250,648$0$0$1,523,919
81$3,477,576$0$0$1,632,306
82$3,724,355$0$0$1,750,266
83$3,992,905$0$0$1,878,729
84$4,285,340$0$0$2,018,718
85$4,603,986$0$0$2,171,360
86$4,951,402$0$0$2,337,893
87$5,330,406$0$0$2,519,682
88$5,744,097$0$0$2,718,228
89$6,195,891$0$0$2,935,183
90$6,689,542$0$0$3,172,369
91$7,229,189$0$0$3,431,789
92$7,819,386$0$0$3,715,648
93$8,465,146$0$0$4,026,376
94$9,171,991$0$0$4,366,647
95$9,946,002$0$0$4,739,409
96$10,793,873$0$0$5,147,904
97$11,722,979$0$0$5,595,705
98$12,741,440$0$0$6,086,747
99$13,858,199$0$0$6,625,365
100$15,083,107$0$0$7,216,331