Can I retire at age 52 with 680,000?

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 $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%12.6%
1 years$56,154$55,654$55,166$54,689$54,224$53,636
2 years$27,799$27,281$26,779$26,293$25,821$25,228
3 years$18,349$17,829$17,328$16,846$16,382$15,804
4 years$13,624$13,106$12,610$12,137$11,684$11,124
5 years$10,790$10,275$9,786$9,322$8,882$8,343
6 years$8,902$8,390$7,909$7,455$7,028$6,510
7 years$7,553$7,046$6,572$6,129$5,716$5,219
8 years$6,542$6,040$5,574$5,142$4,742$4,266
9 years$5,757$5,259$4,801$4,379$3,993$3,539
10 years$5,128$4,635$4,185$3,775$3,402$2,969
11 years$4,615$4,127$3,685$3,286$2,926$2,513
12 years$4,187$3,704$3,270$2,882$2,536$2,143
13 years$3,825$3,347$2,922$2,544$2,211$1,838
14 years$3,515$3,043$2,625$2,258$1,938$1,584
15 years$3,247$2,779$2,370$2,014$1,707$1,371
16 years$3,013$2,550$2,149$1,803$1,508$1,190
17 years$2,806$2,348$1,955$1,620$1,337$1,037
18 years$2,622$2,170$1,785$1,460$1,189$905
19 years$2,459$2,011$1,634$1,320$1,060$792
20 years$2,311$1,869$1,500$1,195$947$694
21 years$2,178$1,741$1,379$1,085$847$610
22 years$2,057$1,625$1,271$986$759$536
23 years$1,947$1,520$1,174$898$682$472
24 years$1,846$1,424$1,086$819$613$416
25 years$1,753$1,336$1,005$748$551$367
26 years$1,668$1,256$933$684$497$324
27 years$1,589$1,182$866$626$448$286
28 years$1,516$1,114$805$574$404$253
29 years$1,448$1,051$749$526$365$224
30 years$1,384$992$698$483$330$198
31 years$1,325$938$651$443$298$175
32 years$1,270$888$607$407$270$155
33 years$1,218$841$567$375$244$137
34 years$1,169$797$530$345$221$122
35 years$1,123$756$495$317$200$108
36 years$1,080$717$463$292$181$96
37 years$1,039$681$433$269$164$85
38 years$1,001$647$406$248$149$75
39 years$964$616$380$229$135$67
40 years$930$586$356$211$123$59
41 years$897$558$334$195$111$52
42 years$866$531$314$180$101$47
43 years$836$506$294$166$92$41
44 years$808$482$276$153$83$37
45 years$781$460$259$141$75$33
46 years$755$439$244$131$68$29
47 years$731$419$229$121$62$26
48 years$708$400$215$112$56$23
49 years$685$382$202$103$51$20
50 years$664$365$190$95$47$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $680,000, adding $4,230 every year, while hoping to spend $50,212 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: 72/5/23 Blend
51$680,000$680,000$680,000$680,000
52$753,723$717,683$707,143$803,403
53$777,178$699,425$677,407$818,818
54$801,342$678,588$644,992$829,333
55$826,235$654,995$609,756$839,616
56$851,876$628,455$571,548$849,636
57$878,286$598,768$530,213$859,363
58$905,484$565,721$485,589$868,762
59$933,492$529,089$437,504$877,797
60$962,329$488,636$385,781$886,431
61$992,017$444,109$330,235$894,622
62$1,022,576$395,244$270,671$902,327
63$1,054,027$341,759$206,887$909,501
64$1,086,392$283,359$138,672$916,094
65$1,119,690$219,730$65,804$922,053
66$1,153,943$150,542$0$927,325
67$1,189,172$75,445$0$934,784
68$1,225,396$0$0$958,857
69$1,262,635$0$0$983,699
70$1,300,908$0$0$1,013,496
71$1,340,234$0$0$1,044,110
72$1,380,630$0$0$1,075,554
73$1,422,113$0$0$1,107,841
74$1,464,698$0$0$1,140,984
75$1,508,399$0$0$1,174,991
76$1,553,227$0$0$1,209,872
77$1,599,194$0$0$1,245,634
78$1,646,307$0$0$1,282,284
79$1,694,571$0$0$1,319,823
80$1,743,988$0$0$1,358,255
81$1,794,559$0$0$1,397,576
82$1,846,277$0$0$1,437,783
83$1,899,133$0$0$1,478,867
84$1,953,114$0$0$1,520,816
85$2,008,200$0$0$1,563,614
86$2,064,363$0$0$1,607,239
87$2,121,573$0$0$1,651,664
88$2,179,787$0$0$1,696,855
89$2,238,956$0$0$1,742,773
90$2,299,020$0$0$1,789,369
91$2,359,910$0$0$1,836,586
92$2,421,541$0$0$1,884,357
93$2,483,817$0$0$1,932,604
94$2,546,627$0$0$1,981,238
95$2,609,842$0$0$2,030,156
96$2,673,314$0$0$2,079,238
97$2,736,873$0$0$2,128,349
98$2,800,329$0$0$2,177,337
99$2,863,462$0$0$2,226,026
100$2,926,026$0$0$2,274,219