Can I retire at age 52 with 672,000?

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 $672,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$55,493$54,999$54,517$54,046$53,586$51,933
2 years$27,472$26,960$26,464$25,984$25,517$23,866
3 years$18,133$17,619$17,124$16,648$16,189$14,592
4 years$13,464$12,952$12,462$11,994$11,546$10,015
5 years$10,663$10,154$9,671$9,212$8,777$7,317
6 years$8,797$8,292$7,816$7,367$6,945$5,556
7 years$7,464$6,963$6,495$6,057$5,648$4,331
8 years$6,465$5,969$5,508$5,081$4,686$3,439
9 years$5,689$5,197$4,744$4,328$3,946$2,768
10 years$5,068$4,581$4,136$3,731$3,362$2,252
11 years$4,560$4,078$3,641$3,247$2,892$1,847
12 years$4,138$3,660$3,232$2,848$2,506$1,524
13 years$3,780$3,308$2,887$2,514$2,185$1,265
14 years$3,474$3,007$2,594$2,232$1,916$1,053
15 years$3,209$2,747$2,342$1,990$1,687$881
16 years$2,977$2,520$2,124$1,782$1,491$738
17 years$2,773$2,321$1,932$1,601$1,322$620
18 years$2,592$2,145$1,764$1,443$1,175$522
19 years$2,430$1,988$1,615$1,304$1,047$440
20 years$2,284$1,847$1,482$1,181$936$372
21 years$2,152$1,720$1,363$1,072$837$314
22 years$2,033$1,606$1,256$975$750$266
23 years$1,924$1,502$1,160$888$674$225
24 years$1,824$1,407$1,073$809$606$191
25 years$1,733$1,321$994$739$545$162
26 years$1,648$1,241$922$676$491$137
27 years$1,570$1,168$856$619$442$116
28 years$1,498$1,101$796$567$399$99
29 years$1,431$1,038$740$520$361$84
30 years$1,368$981$690$477$326$71
31 years$1,309$927$643$438$295$60
32 years$1,255$877$600$403$266$51
33 years$1,203$831$560$370$241$44
34 years$1,155$787$523$341$218$37
35 years$1,110$747$489$314$198$31
36 years$1,067$709$458$289$179$27
37 years$1,027$673$428$266$162$23
38 years$989$640$401$245$147$19
39 years$953$608$376$226$133$16
40 years$919$579$352$209$121$14
41 years$886$551$330$192$110$12
42 years$856$525$310$178$100$10
43 years$826$500$291$164$90$9
44 years$798$477$273$151$82$7
45 years$772$454$256$140$75$6
46 years$747$434$241$129$68$5
47 years$722$414$226$119$61$4
48 years$699$395$212$110$56$4
49 years$677$377$200$102$51$3
50 years$656$360$188$94$46$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $672,000, adding $6,414 every year, while hoping to spend $21,995 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: 75/14/11 Blend
51$672,000$672,000$672,000$672,000
52$747,160$711,544$701,128$801,157
53$799,968$723,007$701,213$849,109
54$857,425$734,295$700,564$898,245
55$919,982$745,375$699,133$951,479
56$988,136$756,214$696,870$1,009,211
57$1,062,432$766,775$693,721$1,071,881
58$1,143,472$777,019$689,633$1,139,973
59$1,231,918$786,904$684,547$1,214,021
60$1,328,496$796,386$678,402$1,294,615
61$1,434,010$805,416$671,136$1,382,402
62$1,549,342$813,944$662,681$1,478,097
63$1,675,463$821,915$652,969$1,582,487
64$1,813,442$829,271$641,926$1,696,440
65$1,964,459$835,951$629,477$1,820,911
66$2,129,810$841,889$615,540$1,956,955
67$2,310,924$847,015$600,034$2,105,731
68$2,509,373$851,254$582,870$2,268,520
69$2,726,891$854,526$563,958$2,446,730
70$2,965,384$856,748$543,200$2,641,917
71$3,226,954$857,830$520,499$2,855,792
72$3,513,917$857,677$495,749$3,090,242
73$3,828,821$856,188$468,841$3,347,348
74$4,174,474$853,254$439,660$3,629,401
75$4,553,970$848,763$408,088$3,938,929
76$4,970,716$842,594$374,000$4,278,715
77$5,428,465$834,617$337,266$4,651,829
78$5,931,353$824,699$297,749$5,061,652
79$6,483,936$812,693$255,308$5,511,912
80$7,091,230$798,448$209,794$6,006,719
81$7,758,766$781,802$161,052$6,550,599
82$8,492,633$762,583$108,921$7,148,544
83$9,299,543$740,611$53,230$7,806,055
84$10,186,888$715,693$0$8,529,193
85$11,162,814$687,626$0$9,325,369
86$12,236,297$656,195$0$10,207,933
87$13,417,222$621,172$0$11,178,770
88$14,716,487$582,317$0$12,246,849
89$16,146,093$539,375$0$13,422,055
90$17,719,268$492,078$0$14,715,278
91$19,450,585$440,141$0$16,138,521
92$21,356,100$383,263$0$17,705,013
93$23,453,506$321,128$0$19,429,328
94$25,762,300$253,399$0$21,327,531
95$28,303,961$179,722$0$23,417,324
96$31,102,159$99,723$0$25,718,214
97$34,182,977$13,006$0$28,251,700
98$37,575,152$0$0$31,041,473
99$41,310,353$0$0$34,126,097
100$45,423,474$0$0$37,525,059