Can I retire at age 52 with 668,000?

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 $668,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$55,163$54,671$54,192$53,724$53,267$52,932
2 years$27,308$26,800$26,307$25,829$25,365$25,027
3 years$18,025$17,514$17,022$16,549$16,093$15,762
4 years$13,384$12,875$12,388$11,923$11,478$11,157
5 years$10,600$10,094$9,613$9,158$8,725$8,415
6 years$8,745$8,242$7,769$7,323$6,904$6,605
7 years$7,420$6,922$6,456$6,021$5,615$5,328
8 years$6,427$5,933$5,475$5,051$4,658$4,383
9 years$5,655$5,166$4,716$4,302$3,923$3,659
10 years$5,038$4,554$4,111$3,709$3,342$3,090
11 years$4,533$4,054$3,620$3,228$2,874$2,633
12 years$4,113$3,639$3,212$2,831$2,491$2,261
13 years$3,758$3,288$2,870$2,499$2,172$1,953
14 years$3,453$2,989$2,579$2,219$1,904$1,695
15 years$3,190$2,730$2,328$1,979$1,677$1,478
16 years$2,959$2,505$2,111$1,772$1,482$1,293
17 years$2,756$2,307$1,921$1,592$1,314$1,135
18 years$2,576$2,132$1,753$1,435$1,168$999
19 years$2,415$1,976$1,605$1,296$1,041$881
20 years$2,270$1,836$1,473$1,174$930$778
21 years$2,139$1,710$1,355$1,065$832$689
22 years$2,021$1,596$1,249$969$746$611
23 years$1,912$1,493$1,153$882$670$542
24 years$1,813$1,399$1,066$805$602$482
25 years$1,722$1,313$988$735$542$429
26 years$1,638$1,234$916$672$488$382
27 years$1,561$1,161$851$615$440$340
28 years$1,489$1,094$791$564$397$303
29 years$1,422$1,032$736$517$358$271
30 years$1,360$975$685$474$324$242
31 years$1,302$922$639$436$293$216
32 years$1,247$872$596$400$265$193
33 years$1,196$826$557$368$240$172
34 years$1,148$783$520$339$217$154
35 years$1,103$742$486$312$197$138
36 years$1,061$705$455$287$178$123
37 years$1,021$669$426$265$161$110
38 years$983$636$399$244$146$99
39 years$947$605$374$225$133$89
40 years$913$575$350$207$120$79
41 years$881$548$328$191$109$71
42 years$850$522$308$177$99$64
43 years$821$497$289$163$90$57
44 years$794$474$271$151$82$51
45 years$767$452$255$139$74$46
46 years$742$431$239$128$67$41
47 years$718$411$225$119$61$37
48 years$695$393$211$110$55$33
49 years$673$375$199$101$50$30
50 years$652$358$187$94$46$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $668,000, adding $2,030 every year, while hoping to spend $32,226 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: 29/46/25 Blend
51$668,000$668,000$668,000$668,000
52$738,230$702,826$692,472$753,856
53$779,241$702,976$681,382$766,370
54$823,355$702,054$668,840$776,848
55$870,855$699,972$654,763$787,454
56$922,051$696,639$639,066$798,221
57$977,283$691,957$621,658$809,186
58$1,036,926$685,824$602,444$820,397
59$1,101,392$678,128$581,325$831,905
60$1,171,132$668,754$558,197$843,772
61$1,246,643$657,579$532,953$856,071
62$1,328,473$644,473$505,479$868,882
63$1,417,221$629,296$475,656$882,302
64$1,513,549$611,902$443,362$896,439
65$1,618,183$592,138$408,466$911,416
66$1,731,923$569,837$370,835$927,376
67$1,855,647$544,828$330,326$944,479
68$1,990,324$516,926$286,794$962,908
69$2,137,019$485,936$240,082$982,870
70$2,296,902$451,654$190,032$1,004,599
71$2,471,263$413,863$136,476$1,028,359
72$2,661,522$372,332$79,238$1,054,446
73$2,869,240$326,819$18,135$1,083,197
74$3,096,137$277,067$0$1,114,988
75$3,344,106$222,806$0$1,162,799
76$3,615,230$163,750$0$1,220,525
77$3,911,806$99,595$0$1,283,911
78$4,236,358$30,024$0$1,353,610
79$4,591,669$0$0$1,430,349
80$4,980,803$0$0$1,537,865
81$5,407,134$0$0$1,672,414
82$5,874,376$0$0$1,819,984
83$6,386,622$0$0$1,981,881
84$6,948,378$0$0$2,159,543
85$7,564,609$0$0$2,354,556
86$8,240,781$0$0$2,568,665
87$8,982,917$0$0$2,803,791
88$9,797,651$0$0$3,062,054
89$10,692,289$0$0$3,345,787
90$11,674,882$0$0$3,657,560
91$12,754,297$0$0$4,000,204
92$13,940,302$0$0$4,376,839
93$15,243,660$0$0$4,790,903
94$16,676,225$0$0$5,246,181
95$18,251,060$0$0$5,746,846
96$19,982,555$0$0$6,297,493
97$21,886,564$0$0$6,903,188
98$23,980,554$0$0$7,569,508
99$26,283,770$0$0$8,302,603
100$28,817,416$0$0$9,109,245