Can I retire at age 52 with 680,000?

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 $680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$56,154$55,654$55,166$54,689$54,224$52,870
2 years$27,799$27,281$26,779$26,293$25,821$24,466
3 years$18,349$17,829$17,328$16,846$16,382$15,067
4 years$13,624$13,106$12,610$12,137$11,684$10,420
5 years$10,790$10,275$9,786$9,322$8,882$7,673
6 years$8,902$8,390$7,909$7,455$7,028$5,874
7 years$7,553$7,046$6,572$6,129$5,716$4,618
8 years$6,542$6,040$5,574$5,142$4,742$3,699
9 years$5,757$5,259$4,801$4,379$3,993$3,005
10 years$5,128$4,635$4,185$3,775$3,402$2,468
11 years$4,615$4,127$3,685$3,286$2,926$2,043
12 years$4,187$3,704$3,270$2,882$2,536$1,703
13 years$3,825$3,347$2,922$2,544$2,211$1,427
14 years$3,515$3,043$2,625$2,258$1,938$1,202
15 years$3,247$2,779$2,370$2,014$1,707$1,015
16 years$3,013$2,550$2,149$1,803$1,508$860
17 years$2,806$2,348$1,955$1,620$1,337$731
18 years$2,622$2,170$1,785$1,460$1,189$622
19 years$2,459$2,011$1,634$1,320$1,060$530
20 years$2,311$1,869$1,500$1,195$947$453
21 years$2,178$1,741$1,379$1,085$847$387
22 years$2,057$1,625$1,271$986$759$331
23 years$1,947$1,520$1,174$898$682$284
24 years$1,846$1,424$1,086$819$613$243
25 years$1,753$1,336$1,005$748$551$209
26 years$1,668$1,256$933$684$497$179
27 years$1,589$1,182$866$626$448$154
28 years$1,516$1,114$805$574$404$132
29 years$1,448$1,051$749$526$365$114
30 years$1,384$992$698$483$330$98
31 years$1,325$938$651$443$298$84
32 years$1,270$888$607$407$270$72
33 years$1,218$841$567$375$244$62
34 years$1,169$797$530$345$221$54
35 years$1,123$756$495$317$200$46
36 years$1,080$717$463$292$181$40
37 years$1,039$681$433$269$164$34
38 years$1,001$647$406$248$149$29
39 years$964$616$380$229$135$25
40 years$930$586$356$211$123$22
41 years$897$558$334$195$111$19
42 years$866$531$314$180$101$16
43 years$836$506$294$166$92$14
44 years$808$482$276$153$83$12
45 years$781$460$259$141$75$10
46 years$755$439$244$131$68$9
47 years$731$419$229$121$62$8
48 years$708$400$215$112$56$7
49 years$685$382$202$103$51$6
50 years$664$365$190$95$47$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $680,000, adding $2,545 every year, while hoping to spend $48,823 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: 59/19/22 Blend
51$680,000$680,000$680,000$680,000
52$751,985$715,945$705,405$791,807
53$776,740$699,079$677,089$802,297
54$802,384$679,750$646,188$808,217
55$828,956$657,787$612,564$813,601
56$856,497$633,006$576,072$818,405
57$885,051$605,214$536,562$822,586
58$914,665$574,209$493,876$826,098
59$945,389$539,774$447,849$828,892
60$977,276$501,680$398,309$830,920
61$1,010,383$459,686$345,076$832,128
62$1,044,769$413,538$287,964$832,462
63$1,080,499$362,965$226,774$831,867
64$1,117,642$307,683$161,303$830,284
65$1,156,273$247,390$91,338$827,653
66$1,196,469$181,769$16,655$823,911
67$1,238,317$110,483$0$818,993
68$1,281,907$33,179$0$827,633
69$1,327,338$0$0$840,097
70$1,374,714$0$0$863,024
71$1,424,151$0$0$894,197
72$1,475,771$0$0$926,758
73$1,529,706$0$0$960,794
74$1,586,100$0$0$996,396
75$1,645,108$0$0$1,033,664
76$1,706,897$0$0$1,072,705
77$1,771,649$0$0$1,113,637
78$1,839,561$0$0$1,156,587
79$1,910,847$0$0$1,201,693
80$1,985,739$0$0$1,249,105
81$2,064,490$0$0$1,298,985
82$2,147,374$0$0$1,351,510
83$2,234,690$0$0$1,406,874
84$2,326,763$0$0$1,465,286
85$2,423,948$0$0$1,526,977
86$2,526,630$0$0$1,592,195
87$2,635,233$0$0$1,661,213
88$2,750,217$0$0$1,734,330
89$2,872,083$0$0$1,811,870
90$3,001,382$0$0$1,894,190
91$3,138,715$0$0$1,981,677
92$3,284,738$0$0$2,074,758
93$3,440,171$0$0$2,173,899
94$3,605,800$0$0$2,279,608
95$3,782,487$0$0$2,392,445
96$3,971,176$0$0$2,513,021
97$4,172,903$0$0$2,642,008
98$4,388,800$0$0$2,780,139
99$4,620,113$0$0$2,928,223
100$4,868,204$0$0$3,087,143