Can I retire at age 52 with 675,000?

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 $675,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$55,741$55,244$54,760$54,287$53,825$53,197
2 years$27,594$27,081$26,582$26,100$25,631$24,999
3 years$18,214$17,697$17,201$16,722$16,261$15,644
4 years$13,524$13,009$12,518$12,047$11,598$11,001
5 years$10,711$10,200$9,714$9,254$8,816$8,242
6 years$8,836$8,329$7,851$7,400$6,976$6,424
7 years$7,498$6,994$6,524$6,084$5,673$5,144
8 years$6,494$5,996$5,533$5,104$4,707$4,201
9 years$5,714$5,220$4,765$4,347$3,964$3,480
10 years$5,091$4,601$4,155$3,747$3,377$2,916
11 years$4,581$4,096$3,658$3,261$2,905$2,465
12 years$4,156$3,677$3,246$2,861$2,517$2,099
13 years$3,797$3,323$2,900$2,526$2,195$1,798
14 years$3,489$3,020$2,606$2,242$1,924$1,548
15 years$3,223$2,759$2,353$1,999$1,694$1,338
16 years$2,991$2,531$2,133$1,790$1,497$1,160
17 years$2,785$2,331$1,941$1,608$1,328$1,009
18 years$2,603$2,154$1,772$1,450$1,180$880
19 years$2,440$1,996$1,622$1,310$1,052$769
20 years$2,294$1,855$1,489$1,186$940$673
21 years$2,162$1,728$1,369$1,077$841$590
22 years$2,042$1,613$1,262$979$754$518
23 years$1,932$1,509$1,165$892$677$455
24 years$1,832$1,414$1,078$813$608$400
25 years$1,740$1,327$998$743$547$353
26 years$1,655$1,247$926$679$493$311
27 years$1,577$1,173$860$621$444$274
28 years$1,504$1,106$799$569$401$242
29 years$1,437$1,043$744$522$362$214
30 years$1,374$985$693$479$327$189
31 years$1,315$931$646$440$296$167
32 years$1,260$881$602$404$268$147
33 years$1,209$834$563$372$242$130
34 years$1,160$791$526$342$219$115
35 years$1,115$750$491$315$199$102
36 years$1,072$712$460$290$180$90
37 years$1,032$676$430$267$163$80
38 years$993$643$403$246$148$71
39 years$957$611$378$227$134$63
40 years$923$581$354$210$122$55
41 years$890$553$332$193$110$49
42 years$859$527$311$178$100$44
43 years$830$502$292$165$91$39
44 years$802$479$274$152$82$34
45 years$775$456$257$140$75$30
46 years$750$435$242$130$68$27
47 years$726$416$227$120$62$24
48 years$702$397$213$111$56$21
49 years$680$379$201$102$51$19
50 years$659$362$189$95$46$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $675,000, adding $4,926 every year, while hoping to spend $23,164 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: 55/39/6 Blend
51$675,000$675,000$675,000$675,000
52$748,931$713,156$702,694$788,868
53$800,676$723,455$701,588$826,671
54$856,922$733,481$699,668$864,804
55$918,105$743,198$696,883$905,752
56$984,702$752,565$693,180$949,783
57$1,057,240$761,539$688,499$997,195
58$1,136,298$770,074$682,784$1,048,317
59$1,222,513$778,121$675,970$1,103,512
60$1,316,587$785,627$667,993$1,163,178
61$1,419,292$792,536$658,784$1,227,758
62$1,531,478$798,788$648,271$1,297,736
63$1,654,081$804,321$636,380$1,373,651
64$1,788,130$809,065$623,032$1,456,094
65$1,934,761$812,951$608,145$1,545,717
66$2,095,221$815,900$591,632$1,643,242
67$2,270,887$817,832$573,405$1,749,463
68$2,463,272$818,661$553,369$1,865,256
69$2,674,044$818,293$531,425$1,991,589
70$2,905,039$816,632$507,470$2,129,529
71$3,158,281$813,575$481,398$2,280,253
72$3,435,996$809,011$453,096$2,445,059
73$3,740,639$802,824$422,446$2,625,380
74$4,074,912$794,890$389,326$2,822,794
75$4,441,792$785,079$353,607$3,039,046
76$4,844,558$773,250$315,156$3,276,058
77$5,286,821$759,258$273,832$3,535,949
78$5,772,561$742,946$229,489$3,821,059
79$6,306,160$724,148$181,975$4,133,967
80$6,892,448$702,691$131,131$4,477,519
81$7,536,744$678,389$76,790$4,854,853
82$8,244,907$651,046$18,778$5,269,430
83$9,023,395$620,454$0$5,725,068
84$9,879,320$586,395$0$6,228,737
85$10,820,519$548,637$0$6,783,781
86$11,855,626$506,934$0$7,394,130
87$12,994,153$461,027$0$8,065,443
88$14,246,582$410,642$0$8,803,961
89$15,624,459$355,490$0$9,616,564
90$17,140,509$295,264$0$10,510,839
91$18,808,750$229,641$0$11,495,150
92$20,644,629$158,280$0$12,578,720
93$22,665,165$80,819$0$13,771,717
94$24,889,111$0$0$15,085,351
95$27,337,132$0$0$16,533,321
96$30,031,994$0$0$18,165,552
97$32,998,786$0$0$19,962,564
98$36,265,152$0$0$21,941,111
99$39,861,552$0$0$24,119,655
100$43,821,553$0$0$26,518,538