Can I retire at age 52 with 676,000?

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 $676,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$55,823$55,326$54,841$54,368$53,905$51,889
2 years$27,635$27,121$26,622$26,138$25,669$23,661
3 years$18,241$17,724$17,226$16,747$16,286$14,349
4 years$13,544$13,029$12,536$12,065$11,615$9,764
5 years$10,727$10,215$9,729$9,267$8,830$7,070
6 years$8,849$8,341$7,862$7,411$6,987$5,318
7 years$7,509$7,005$6,533$6,093$5,682$4,105
8 years$6,504$6,004$5,541$5,111$4,714$3,227
9 years$5,723$5,228$4,772$4,354$3,970$2,571
10 years$5,098$4,608$4,161$3,753$3,382$2,069
11 years$4,587$4,102$3,663$3,266$2,909$1,678
12 years$4,162$3,682$3,251$2,865$2,521$1,370
13 years$3,803$3,328$2,904$2,529$2,198$1,123
14 years$3,495$3,025$2,610$2,245$1,927$925
15 years$3,228$2,763$2,356$2,002$1,697$764
16 years$2,995$2,535$2,136$1,793$1,499$632
17 years$2,789$2,335$1,944$1,611$1,330$525
18 years$2,607$2,157$1,774$1,452$1,182$436
19 years$2,444$1,999$1,624$1,312$1,054$363
20 years$2,298$1,858$1,491$1,188$941$303
21 years$2,165$1,731$1,371$1,078$842$252
22 years$2,045$1,615$1,264$980$755$211
23 years$1,935$1,511$1,167$893$678$176
24 years$1,835$1,416$1,079$814$609$147
25 years$1,743$1,328$1,000$744$548$123
26 years$1,658$1,249$927$680$494$103
27 years$1,579$1,175$861$622$445$86
28 years$1,507$1,107$800$570$402$72
29 years$1,439$1,045$745$523$363$60
30 years$1,376$986$694$480$328$51
31 years$1,317$933$647$441$296$42
32 years$1,262$882$603$405$268$35
33 years$1,211$836$563$373$243$30
34 years$1,162$792$526$343$220$25
35 years$1,117$751$492$316$199$21
36 years$1,074$713$460$291$180$17
37 years$1,033$677$431$268$163$15
38 years$995$644$404$247$148$12
39 years$959$612$378$228$134$10
40 years$924$582$354$210$122$9
41 years$892$554$332$194$110$7
42 years$861$528$312$179$100$6
43 years$831$503$292$165$91$5
44 years$803$479$275$152$83$4
45 years$776$457$258$141$75$4
46 years$751$436$242$130$68$3
47 years$727$416$227$120$62$3
48 years$703$397$214$111$56$2
49 years$681$379$201$103$51$2
50 years$660$362$189$95$46$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $676,000, adding $6,443 every year, while hoping to spend $36,706 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: 58/18/24 Blend
51$676,000$676,000$676,000$676,000
52$751,598$715,770$705,292$789,978
53$789,206$711,788$689,864$812,912
54$829,420$706,380$672,690$833,427
55$872,467$699,439$653,671$855,009
56$918,595$690,848$632,706$877,770
57$968,079$680,487$609,688$901,835
58$1,021,217$668,224$584,507$927,343
59$1,078,338$653,925$557,045$954,450
60$1,139,804$637,443$527,182$983,330
61$1,206,011$618,625$494,789$1,014,176
62$1,277,395$597,308$459,735$1,047,201
63$1,354,433$573,320$421,880$1,082,646
64$1,437,652$546,479$381,080$1,120,775
65$1,527,629$516,592$337,182$1,161,884
66$1,624,998$483,457$290,029$1,206,302
67$1,730,458$446,856$239,455$1,254,393
68$1,844,776$406,563$185,288$1,306,560
69$1,968,795$362,337$127,347$1,363,255
70$2,103,443$313,922$65,444$1,424,975
71$2,249,741$261,052$0$1,492,272
72$2,408,812$203,440$0$1,565,919
73$2,581,890$140,788$0$1,664,332
74$2,770,335$72,779$0$1,771,544
75$2,975,641$0$0$1,888,445
76$3,199,455$0$0$2,016,204
77$3,443,587$0$0$2,171,338
78$3,710,031$0$0$2,340,703
79$4,000,981$0$0$2,525,703
80$4,318,852$0$0$2,727,879
81$4,666,304$0$0$2,948,931
82$5,046,264$0$0$3,190,729
83$5,461,956$0$0$3,455,331
84$5,916,930$0$0$3,745,006
85$6,415,093$0$0$4,062,251
86$6,960,750$0$0$4,409,816
87$7,558,640$0$0$4,790,728
88$8,213,984$0$0$5,208,323
89$8,932,530$0$0$5,666,275
90$9,720,611$0$0$6,168,629
91$10,585,200$0$0$6,719,841
92$11,533,980$0$0$7,324,821
93$12,575,411$0$0$7,988,974
94$13,718,815$0$0$8,718,257
95$14,974,458$0$0$9,519,231
96$16,353,652$0$0$10,399,123
97$17,868,854$0$0$11,365,895
98$19,533,792$0$0$12,428,320
99$21,363,587$0$0$13,596,059
100$23,374,897$0$0$14,879,759