Can I retire at age 52 with 681,000?

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 $681,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$56,236$55,735$55,247$54,770$54,304$53,034
2 years$27,840$27,321$26,819$26,332$25,859$24,587
3 years$18,375$17,855$17,354$16,871$16,406$15,171
4 years$13,644$13,125$12,629$12,155$11,701$10,513
5 years$10,806$10,290$9,801$9,336$8,895$7,758
6 years$8,915$8,403$7,920$7,466$7,038$5,952
7 years$7,564$7,057$6,582$6,138$5,724$4,690
8 years$6,552$6,049$5,582$5,149$4,749$3,766
9 years$5,765$5,267$4,808$4,386$3,999$3,066
10 years$5,136$4,642$4,191$3,781$3,407$2,524
11 years$4,621$4,133$3,690$3,290$2,930$2,095
12 years$4,193$3,709$3,275$2,886$2,539$1,751
13 years$3,831$3,352$2,926$2,548$2,214$1,472
14 years$3,521$3,047$2,629$2,262$1,941$1,242
15 years$3,252$2,783$2,374$2,017$1,709$1,052
16 years$3,017$2,554$2,152$1,806$1,511$894
17 years$2,810$2,352$1,958$1,623$1,339$762
18 years$2,626$2,173$1,788$1,462$1,191$650
19 years$2,462$2,014$1,636$1,321$1,061$556
20 years$2,315$1,872$1,502$1,197$948$476
21 years$2,181$1,743$1,381$1,086$848$409
22 years$2,060$1,627$1,273$988$761$351
23 years$1,950$1,522$1,176$899$683$301
24 years$1,849$1,426$1,087$820$614$259
25 years$1,756$1,338$1,007$749$552$223
26 years$1,670$1,258$934$685$497$192
27 years$1,591$1,184$867$627$448$166
28 years$1,518$1,115$806$574$405$143
29 years$1,450$1,052$750$527$365$123
30 years$1,386$994$699$483$330$106
31 years$1,327$939$651$444$298$92
32 years$1,272$889$608$408$270$79
33 years$1,220$842$568$375$244$68
34 years$1,171$798$530$345$221$59
35 years$1,125$757$496$318$200$51
36 years$1,082$718$464$293$182$44
37 years$1,041$682$434$270$165$38
38 years$1,002$648$407$249$149$33
39 years$966$616$381$229$135$28
40 years$931$587$357$211$123$24
41 years$898$558$335$195$111$21
42 years$867$532$314$180$101$18
43 years$837$507$295$166$92$16
44 years$809$483$277$153$83$14
45 years$782$461$260$142$76$12
46 years$757$439$244$131$69$10
47 years$732$419$229$121$62$9
48 years$709$400$215$112$57$8
49 years$686$382$202$103$51$7
50 years$665$365$190$95$47$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $681,000, adding $5,617 every year, while hoping to spend $30,106 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: 41/33/26 Blend
51$681,000$681,000$681,000$681,000
52$756,256$720,163$709,607$781,283
53$801,361$723,418$701,347$803,092
54$850,059$725,824$691,800$823,430
55$902,682$727,307$680,893$844,858
56$959,600$727,789$668,547$867,496
57$1,021,216$727,188$654,680$891,474
58$1,087,974$725,414$639,206$916,941
59$1,160,364$722,375$622,036$944,061
60$1,238,921$717,973$603,074$973,017
61$1,324,238$712,100$582,224$1,004,013
62$1,416,964$704,647$559,383$1,037,277
63$1,517,814$695,494$534,442$1,073,062
64$1,627,576$684,518$507,290$1,111,650
65$1,747,113$671,584$477,809$1,153,354
66$1,877,379$656,552$445,876$1,198,525
67$2,019,422$639,274$411,363$1,247,549
68$2,174,397$619,591$374,137$1,300,856
69$2,343,571$597,337$334,057$1,358,926
70$2,528,344$572,336$290,977$1,422,290
71$2,730,255$544,399$244,744$1,491,538
72$2,950,997$513,331$195,199$1,567,323
73$3,192,436$478,921$142,175$1,650,371
74$3,456,625$440,949$85,498$1,741,488
75$3,745,826$399,181$24,988$1,841,565
76$4,062,530$353,370$0$1,951,592
77$4,409,478$303,255$0$2,083,647
78$4,789,690$248,561$0$2,236,072
79$5,206,494$188,995$0$2,403,329
80$5,663,551$124,251$0$2,586,968
81$6,164,897$54,004$0$2,788,698
82$6,714,976$0$0$3,010,407
83$7,318,683$0$0$3,262,203
84$7,981,409$0$0$3,560,234
85$8,709,094$0$0$3,887,570
86$9,508,281$0$0$4,247,166
87$10,386,177$0$0$4,642,278
88$11,350,722$0$0$5,076,491
89$12,410,663$0$0$5,553,756
90$13,575,636$0$0$6,078,424
91$14,856,257$0$0$6,655,292
92$16,264,223$0$0$7,289,642
93$17,812,420$0$0$7,987,294
94$19,515,044$0$0$8,754,661
95$21,387,736$0$0$9,598,809
96$23,447,732$0$0$10,527,521
97$25,714,018$0$0$11,549,375
98$28,207,515$0$0$12,673,822
99$30,951,275$0$0$13,911,275
100$33,970,697$0$0$15,273,206