Can I retire at age 52 with 673,000?

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 $673,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$55,576$55,081$54,598$54,126$53,666$52,326
2 years$27,513$27,000$26,504$26,022$25,555$24,214
3 years$18,160$17,645$17,150$16,673$16,213$14,912
4 years$13,484$12,971$12,481$12,012$11,563$10,313
5 years$10,679$10,169$9,685$9,226$8,790$7,594
6 years$8,810$8,304$7,827$7,378$6,956$5,814
7 years$7,476$6,974$6,504$6,066$5,657$4,570
8 years$6,475$5,978$5,516$5,089$4,693$3,661
9 years$5,697$5,205$4,751$4,334$3,952$2,974
10 years$5,076$4,588$4,142$3,736$3,367$2,442
11 years$4,567$4,084$3,647$3,252$2,896$2,022
12 years$4,144$3,666$3,236$2,852$2,510$1,686
13 years$3,786$3,313$2,891$2,518$2,188$1,413
14 years$3,479$3,011$2,598$2,235$1,918$1,189
15 years$3,214$2,751$2,346$1,993$1,689$1,005
16 years$2,982$2,524$2,127$1,785$1,493$851
17 years$2,777$2,324$1,935$1,604$1,324$723
18 years$2,596$2,148$1,767$1,445$1,177$615
19 years$2,433$1,991$1,617$1,306$1,049$525
20 years$2,287$1,850$1,484$1,183$937$448
21 years$2,155$1,723$1,365$1,073$838$383
22 years$2,036$1,608$1,258$976$752$328
23 years$1,927$1,504$1,162$889$675$281
24 years$1,827$1,409$1,074$811$606$241
25 years$1,735$1,323$995$740$546$207
26 years$1,651$1,243$923$677$492$177
27 years$1,572$1,170$857$620$443$152
28 years$1,500$1,102$797$568$400$131
29 years$1,433$1,040$741$521$361$113
30 years$1,370$982$691$478$326$97
31 years$1,311$928$644$439$295$83
32 years$1,257$878$601$403$267$72
33 years$1,205$832$561$371$241$62
34 years$1,157$788$524$341$219$53
35 years$1,112$748$490$314$198$46
36 years$1,069$710$458$289$179$39
37 years$1,029$674$429$267$163$34
38 years$990$641$402$246$147$29
39 years$954$609$376$227$134$25
40 years$920$580$353$209$121$22
41 years$888$552$331$193$110$19
42 years$857$525$310$178$100$16
43 years$828$501$291$164$91$14
44 years$800$477$273$152$82$12
45 years$773$455$257$140$75$10
46 years$748$434$241$129$68$9
47 years$723$414$226$120$62$8
48 years$700$396$213$110$56$7
49 years$678$378$200$102$51$6
50 years$657$361$188$94$46$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $673,000, adding $6,703 every year, while hoping to spend $43,785 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: 40/49/11 Blend
51$673,000$673,000$673,000$673,000
52$748,560$712,891$702,460$775,784
53$778,326$701,236$679,405$783,958
54$809,661$687,542$654,111$787,956
55$842,679$671,664$626,455$791,308
56$877,502$653,446$596,312$793,974
57$914,268$632,724$563,549$795,915
58$953,121$609,326$528,026$797,091
59$994,225$583,068$489,600$797,461
60$1,037,753$553,756$448,119$796,987
61$1,083,898$521,184$403,425$795,629
62$1,132,869$485,135$355,353$793,350
63$1,184,895$445,380$303,731$790,112
64$1,240,226$401,676$248,378$785,883
65$1,299,137$353,767$189,107$780,628
66$1,361,928$301,380$125,721$774,318
67$1,428,928$244,230$58,015$766,930
68$1,500,496$182,015$0$758,440
69$1,577,027$114,414$0$750,506
70$1,658,954$41,091$0$748,821
71$1,746,751$0$0$746,596
72$1,840,939$0$0$764,524
73$1,942,089$0$0$807,632
74$2,050,827$0$0$854,037
75$2,167,842$0$0$904,044
76$2,293,889$0$0$957,982
77$2,429,799$0$0$1,016,216
78$2,576,481$0$0$1,079,146
79$2,734,939$0$0$1,147,213
80$2,906,273$0$0$1,220,899
81$3,091,693$0$0$1,300,736
82$3,292,528$0$0$1,387,308
83$3,510,241$0$0$1,481,259
84$3,746,440$0$0$1,583,295
85$4,002,893$0$0$1,694,193
86$4,281,545$0$0$1,814,809
87$4,584,536$0$0$1,946,084
88$4,914,220$0$0$2,089,053
89$5,273,187$0$0$2,244,855
90$5,664,286$0$0$2,414,746
91$6,090,654$0$0$2,600,103
92$6,555,742$0$0$2,802,448
93$7,063,351$0$0$3,023,451
94$7,617,662$0$0$3,264,954
95$8,223,279$0$0$3,528,983
96$8,885,271$0$0$3,817,770
97$9,609,217$0$0$4,133,772
98$10,401,261$0$0$4,479,693
99$11,268,169$0$0$4,858,512
100$12,217,389$0$0$5,273,511