Can I retire at age 52 with 678,000?

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 $678,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$55,989$55,490$55,003$54,528$54,065$53,367
2 years$27,717$27,201$26,701$26,216$25,745$25,043
3 years$18,295$17,776$17,277$16,797$16,334$15,649
4 years$13,584$13,067$12,573$12,101$11,649$10,988
5 years$10,759$10,245$9,757$9,295$8,856$8,219
6 years$8,876$8,366$7,885$7,433$7,007$6,396
7 years$7,531$7,026$6,553$6,111$5,699$5,113
8 years$6,523$6,022$5,557$5,126$4,728$4,168
9 years$5,740$5,243$4,787$4,367$3,981$3,447
10 years$5,113$4,622$4,173$3,764$3,392$2,883
11 years$4,601$4,115$3,674$3,276$2,917$2,433
12 years$4,174$3,693$3,260$2,873$2,528$2,068
13 years$3,814$3,337$2,913$2,537$2,205$1,768
14 years$3,505$3,034$2,617$2,252$1,933$1,519
15 years$3,238$2,771$2,363$2,008$1,702$1,310
16 years$3,004$2,543$2,142$1,798$1,504$1,133
17 years$2,798$2,342$1,950$1,616$1,333$984
18 years$2,615$2,164$1,780$1,456$1,186$856
19 years$2,451$2,005$1,629$1,316$1,057$746
20 years$2,304$1,863$1,495$1,192$944$652
21 years$2,172$1,736$1,375$1,081$845$570
22 years$2,051$1,620$1,268$983$757$499
23 years$1,941$1,515$1,170$895$680$438
24 years$1,840$1,420$1,082$817$611$384
25 years$1,748$1,332$1,003$746$550$338
26 years$1,663$1,252$930$682$495$297
27 years$1,584$1,179$863$624$446$261
28 years$1,511$1,111$803$572$403$230
29 years$1,443$1,048$747$524$364$203
30 years$1,380$989$696$481$329$178
31 years$1,321$935$649$442$297$157
32 years$1,266$885$605$406$269$139
33 years$1,214$838$565$374$243$122
34 years$1,166$794$528$344$220$108
35 years$1,120$753$494$316$199$95
36 years$1,077$715$462$291$181$84
37 years$1,036$679$432$269$164$74
38 years$998$645$405$248$149$66
39 years$961$614$379$228$135$58
40 years$927$584$355$210$122$51
41 years$894$556$333$194$111$45
42 years$863$529$313$179$101$40
43 years$834$504$293$165$91$35
44 years$806$481$275$153$83$31
45 years$779$458$259$141$75$28
46 years$753$437$243$130$68$24
47 years$729$417$228$120$62$22
48 years$706$398$214$111$56$19
49 years$683$381$202$103$51$17
50 years$662$363$189$95$46$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $678,000, adding $4,254 every year, while hoping to spend $27,737 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: 57/14/29 Blend
51$678,000$678,000$678,000$678,000
52$751,544$715,610$705,101$788,171
53$798,690$721,163$699,210$819,368
54$849,714$726,058$692,192$850,103
55$904,985$730,235$683,980$883,044
56$964,903$733,627$674,504$918,414
57$1,029,914$736,164$663,690$956,457
58$1,100,503$737,774$651,461$997,447
59$1,177,206$738,377$637,737$1,041,684
60$1,260,614$737,890$622,434$1,089,501
61$1,351,373$736,224$605,462$1,141,266
62$1,450,200$733,285$586,731$1,197,386
63$1,557,877$728,973$566,144$1,258,310
64$1,675,270$723,182$543,599$1,324,537
65$1,803,329$715,800$518,991$1,396,614
66$1,943,101$706,707$492,211$1,475,150
67$2,095,740$695,777$463,141$1,560,814
68$2,262,512$682,877$431,663$1,654,348
69$2,444,814$667,864$397,650$1,756,572
70$2,644,185$650,589$360,971$1,868,388
71$2,862,316$630,892$321,488$1,990,796
72$3,101,072$608,606$279,058$2,124,900
73$3,362,505$583,552$233,530$2,271,917
74$3,648,876$555,541$184,749$2,433,193
75$3,962,674$524,375$132,550$2,610,213
76$4,306,640$489,842$76,764$2,804,618
77$4,683,793$451,721$17,211$3,018,217
78$5,097,459$409,774$0$3,253,010
79$5,551,300$363,754$0$3,525,542
80$6,049,351$313,396$0$3,830,524
81$6,596,056$258,423$0$4,165,374
82$7,196,309$198,541$0$4,533,125
83$7,855,502$133,440$0$4,937,116
84$8,579,577$62,791$0$5,381,030
85$9,375,075$0$0$5,868,926
86$10,249,206$0$0$6,407,397
87$11,209,912$0$0$7,009,893
88$12,265,941$0$0$7,672,235
89$13,426,933$0$0$8,400,476
90$14,703,507$0$0$9,201,287
91$16,107,362$0$0$10,082,016
92$17,651,390$0$0$11,050,758
93$19,349,792$0$0$12,116,434
94$21,218,218$0$0$13,288,872
95$23,273,907$0$0$14,578,899
96$25,535,856$0$0$15,998,449
97$28,024,997$0$0$17,560,666
98$30,764,392$0$0$19,280,036
99$33,779,451$0$0$21,172,519
100$37,098,175$0$0$23,255,703