Can I retire at age 52 with 678,000?

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 $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%11.2%
1 years$55,989$55,490$55,003$54,528$54,065$53,792
2 years$27,717$27,201$26,701$26,216$25,745$25,470
3 years$18,295$17,776$17,277$16,797$16,334$16,064
4 years$13,584$13,067$12,573$12,101$11,649$11,388
5 years$10,759$10,245$9,757$9,295$8,856$8,603
6 years$8,876$8,366$7,885$7,433$7,007$6,764
7 years$7,531$7,026$6,553$6,111$5,699$5,465
8 years$6,523$6,022$5,557$5,126$4,728$4,503
9 years$5,740$5,243$4,787$4,367$3,981$3,766
10 years$5,113$4,622$4,173$3,764$3,392$3,186
11 years$4,601$4,115$3,674$3,276$2,917$2,720
12 years$4,174$3,693$3,260$2,873$2,528$2,340
13 years$3,814$3,337$2,913$2,537$2,205$2,025
14 years$3,505$3,034$2,617$2,252$1,933$1,761
15 years$3,238$2,771$2,363$2,008$1,702$1,539
16 years$3,004$2,543$2,142$1,798$1,504$1,349
17 years$2,798$2,342$1,950$1,616$1,333$1,186
18 years$2,615$2,164$1,780$1,456$1,186$1,046
19 years$2,451$2,005$1,629$1,316$1,057$925
20 years$2,304$1,863$1,495$1,192$944$819
21 years$2,172$1,736$1,375$1,081$845$726
22 years$2,051$1,620$1,268$983$757$645
23 years$1,941$1,515$1,170$895$680$574
24 years$1,840$1,420$1,082$817$611$511
25 years$1,748$1,332$1,003$746$550$456
26 years$1,663$1,252$930$682$495$407
27 years$1,584$1,179$863$624$446$364
28 years$1,511$1,111$803$572$403$325
29 years$1,443$1,048$747$524$364$291
30 years$1,380$989$696$481$329$260
31 years$1,321$935$649$442$297$233
32 years$1,266$885$605$406$269$209
33 years$1,214$838$565$374$243$187
34 years$1,166$794$528$344$220$168
35 years$1,120$753$494$316$199$150
36 years$1,077$715$462$291$181$135
37 years$1,036$679$432$269$164$121
38 years$998$645$405$248$149$109
39 years$961$614$379$228$135$97
40 years$927$584$355$210$122$87
41 years$894$556$333$194$111$79
42 years$863$529$313$179$101$71
43 years$834$504$293$165$91$63
44 years$806$481$275$153$83$57
45 years$779$458$259$141$75$51
46 years$753$437$243$130$68$46
47 years$729$417$228$120$62$41
48 years$706$398$214$111$56$37
49 years$683$381$202$103$51$33
50 years$662$363$189$95$46$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $678,000, adding $6,906 every year, while hoping to spend $30,765 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: 50/22/28 Blend
51$678,000$678,000$678,000$678,000
52$754,280$718,346$707,837$785,715
53$798,482$720,811$698,815$810,865
54$846,163$722,366$688,461$834,573
55$897,643$722,933$676,696$859,740
56$953,277$722,431$663,440$886,521
57$1,013,454$720,773$648,608$915,084
58$1,078,602$717,867$632,112$945,619
59$1,149,191$713,614$613,859$978,336
60$1,225,738$707,910$593,752$1,013,467
61$1,308,811$700,646$571,692$1,051,271
62$1,399,037$691,705$547,570$1,092,036
63$1,497,102$680,962$521,277$1,136,079
64$1,603,764$668,287$492,698$1,183,755
65$1,719,856$653,540$461,711$1,235,454
66$1,846,292$636,575$428,189$1,291,611
67$1,984,082$617,235$392,002$1,352,708
68$2,134,335$595,356$353,010$1,419,278
69$2,298,272$570,763$311,071$1,491,912
70$2,477,237$543,272$266,033$1,571,265
71$2,672,709$512,686$217,739$1,658,060
72$2,886,317$478,800$166,025$1,753,101
73$3,119,855$441,394$110,720$1,857,276
74$3,375,296$400,238$51,645$1,971,568
75$3,654,814$355,088$0$2,097,063
76$3,960,804$305,686$0$2,238,372
77$4,295,900$251,759$0$2,410,105
78$4,663,005$193,018$0$2,598,350
79$5,065,316$129,161$0$2,804,798
80$5,506,353$59,865$0$3,031,313
81$5,989,994$0$0$3,279,954
82$6,520,509$0$0$3,556,672
83$7,102,602$0$0$3,876,267
84$7,741,454$0$0$4,227,101
85$8,442,773$0$0$4,612,316
86$9,212,843$0$0$5,035,376
87$10,058,592$0$0$5,500,096
88$10,987,647$0$0$6,010,676
89$12,008,413$0$0$6,571,747
90$13,130,148$0$0$7,188,409
91$14,363,051$0$0$7,866,280
92$15,718,360$0$0$8,611,551
93$17,208,454$0$0$9,431,041
94$18,846,973$0$0$10,332,264
95$20,648,943$0$0$11,323,498
96$22,630,920$0$0$12,413,865
97$24,811,147$0$0$13,613,413
98$27,209,721$0$0$14,933,215
99$29,848,786$0$0$16,385,470
100$32,752,741$0$0$17,983,622