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%11.1%
1 years$55,741$55,244$54,760$54,287$53,825$53,576
2 years$27,594$27,081$26,582$26,100$25,631$25,379
3 years$18,214$17,697$17,201$16,722$16,261$16,015
4 years$13,524$13,009$12,518$12,047$11,598$11,359
5 years$10,711$10,200$9,714$9,254$8,816$8,586
6 years$8,836$8,329$7,851$7,400$6,976$6,754
7 years$7,498$6,994$6,524$6,084$5,673$5,459
8 years$6,494$5,996$5,533$5,104$4,707$4,501
9 years$5,714$5,220$4,765$4,347$3,964$3,767
10 years$5,091$4,601$4,155$3,747$3,377$3,189
11 years$4,581$4,096$3,658$3,261$2,905$2,724
12 years$4,156$3,677$3,246$2,861$2,517$2,345
13 years$3,797$3,323$2,900$2,526$2,195$2,030
14 years$3,489$3,020$2,606$2,242$1,924$1,767
15 years$3,223$2,759$2,353$1,999$1,694$1,545
16 years$2,991$2,531$2,133$1,790$1,497$1,355
17 years$2,785$2,331$1,941$1,608$1,328$1,193
18 years$2,603$2,154$1,772$1,450$1,180$1,052
19 years$2,440$1,996$1,622$1,310$1,052$931
20 years$2,294$1,855$1,489$1,186$940$825
21 years$2,162$1,728$1,369$1,077$841$732
22 years$2,042$1,613$1,262$979$754$651
23 years$1,932$1,509$1,165$892$677$580
24 years$1,832$1,414$1,078$813$608$517
25 years$1,740$1,327$998$743$547$461
26 years$1,655$1,247$926$679$493$412
27 years$1,577$1,173$860$621$444$368
28 years$1,504$1,106$799$569$401$329
29 years$1,437$1,043$744$522$362$295
30 years$1,374$985$693$479$327$264
31 years$1,315$931$646$440$296$237
32 years$1,260$881$602$404$268$212
33 years$1,209$834$563$372$242$190
34 years$1,160$791$526$342$219$171
35 years$1,115$750$491$315$199$153
36 years$1,072$712$460$290$180$138
37 years$1,032$676$430$267$163$124
38 years$993$643$403$246$148$111
39 years$957$611$378$227$134$100
40 years$923$581$354$210$122$90
41 years$890$553$332$193$110$81
42 years$859$527$311$178$100$72
43 years$830$502$292$165$91$65
44 years$802$479$274$152$82$58
45 years$775$456$257$140$75$53
46 years$750$435$242$130$68$47
47 years$726$416$227$120$62$43
48 years$702$397$213$111$56$38
49 years$680$379$201$102$51$34
50 years$659$362$189$95$46$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $675,000, adding $2,620 every year, while hoping to spend $29,589 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: 38/47/15 Blend
51$675,000$675,000$675,000$675,000
52$746,553$710,778$700,315$771,447
53$791,218$714,123$692,293$792,841
54$839,449$716,641$683,011$812,907
55$891,575$718,259$672,395$833,955
56$947,964$718,902$660,367$856,091
57$1,009,015$718,487$646,849$879,430
58$1,075,171$716,930$631,755$904,101
59$1,146,918$714,138$614,998$930,248
60$1,224,787$710,015$596,484$958,034
61$1,309,367$704,458$576,118$987,638
62$1,401,304$697,357$553,799$1,019,261
63$1,501,307$688,597$529,422$1,053,128
64$1,610,158$678,056$502,875$1,089,489
65$1,728,717$665,604$474,044$1,128,621
66$1,857,930$651,103$442,808$1,170,834
67$1,998,839$634,406$409,042$1,216,474
68$2,152,589$615,361$372,614$1,265,924
69$2,320,443$593,804$333,386$1,319,610
70$2,503,789$569,561$291,216$1,378,007
71$2,704,156$542,450$245,952$1,441,641
72$2,923,228$512,278$197,439$1,511,099
73$3,162,857$478,839$145,513$1,587,030
74$3,425,084$441,918$90,004$1,670,155
75$3,712,156$401,286$30,733$1,761,275
76$4,026,548$356,701$0$1,861,278
77$4,370,984$307,907$0$1,976,355
78$4,748,465$254,635$0$2,107,980
79$5,162,295$196,599$0$2,252,472
80$5,616,115$133,499$0$2,411,207
81$6,113,934$65,015$0$2,585,707
82$6,660,166$0$0$2,777,655
83$7,259,677$0$0$2,993,664
84$7,917,824$0$0$3,267,808
85$8,640,507$0$0$3,568,931
86$9,434,229$0$0$3,899,755
87$10,306,150$0$0$4,263,277
88$11,264,161$0$0$4,662,799
89$12,316,953$0$0$5,101,960
90$13,474,101$0$0$5,584,766
91$14,746,154$0$0$6,115,635
92$16,144,733$0$0$6,699,431
93$17,682,644$0$0$7,341,514
94$19,373,992$0$0$8,047,791
95$21,234,321$0$0$8,824,766
96$23,280,755$0$0$9,679,611
97$25,532,163$0$0$10,620,223
98$28,009,332$0$0$11,655,306
99$30,735,169$0$0$12,794,450
100$33,734,911$0$0$14,048,221