Can I retire at age 52 with 681,000?

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 $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%19.7%
1 years$56,236$55,735$55,247$54,770$54,304$52,191
2 years$27,840$27,321$26,819$26,332$25,859$23,755
3 years$18,375$17,855$17,354$16,871$16,406$14,378
4 years$13,644$13,125$12,629$12,155$11,701$9,765
5 years$10,806$10,290$9,801$9,336$8,895$7,055
6 years$8,915$8,403$7,920$7,466$7,038$5,296
7 years$7,564$7,057$6,582$6,138$5,724$4,078
8 years$6,552$6,049$5,582$5,149$4,749$3,198
9 years$5,765$5,267$4,808$4,386$3,999$2,542
10 years$5,136$4,642$4,191$3,781$3,407$2,041
11 years$4,621$4,133$3,690$3,290$2,930$1,651
12 years$4,193$3,709$3,275$2,886$2,539$1,344
13 years$3,831$3,352$2,926$2,548$2,214$1,099
14 years$3,521$3,047$2,629$2,262$1,941$902
15 years$3,252$2,783$2,374$2,017$1,709$743
16 years$3,017$2,554$2,152$1,806$1,511$613
17 years$2,810$2,352$1,958$1,623$1,339$507
18 years$2,626$2,173$1,788$1,462$1,191$421
19 years$2,462$2,014$1,636$1,321$1,061$349
20 years$2,315$1,872$1,502$1,197$948$290
21 years$2,181$1,743$1,381$1,086$848$241
22 years$2,060$1,627$1,273$988$761$201
23 years$1,950$1,522$1,176$899$683$167
24 years$1,849$1,426$1,087$820$614$139
25 years$1,756$1,338$1,007$749$552$116
26 years$1,670$1,258$934$685$497$97
27 years$1,591$1,184$867$627$448$81
28 years$1,518$1,115$806$574$405$67
29 years$1,450$1,052$750$527$365$56
30 years$1,386$994$699$483$330$47
31 years$1,327$939$651$444$298$39
32 years$1,272$889$608$408$270$33
33 years$1,220$842$568$375$244$27
34 years$1,171$798$530$345$221$23
35 years$1,125$757$496$318$200$19
36 years$1,082$718$464$293$182$16
37 years$1,041$682$434$270$165$13
38 years$1,002$648$407$249$149$11
39 years$966$616$381$229$135$9
40 years$931$587$357$211$123$8
41 years$898$558$335$195$111$6
42 years$867$532$314$180$101$5
43 years$837$507$295$166$92$5
44 years$809$483$277$153$83$4
45 years$782$461$260$142$76$3
46 years$757$439$244$131$69$3
47 years$732$419$229$121$62$2
48 years$709$400$215$112$57$2
49 years$686$382$202$103$51$2
50 years$665$365$190$95$47$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $681,000, adding $2,141 every year, while hoping to spend $37,885 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: 58/21/21 Blend
51$681,000$681,000$681,000$681,000
52$752,670$716,577$706,022$791,994
53$789,133$711,380$689,364$813,792
54$828,046$704,659$670,879$833,268
55$869,618$696,298$650,465$853,666
56$914,079$686,177$628,015$875,086
57$961,682$674,166$603,420$897,634
58$1,012,702$660,130$576,564$921,434
59$1,067,445$643,923$547,325$946,620
60$1,126,241$625,392$515,578$973,345
61$1,189,457$604,375$481,189$1,001,777
62$1,257,493$580,702$444,021$1,032,106
63$1,330,791$554,190$403,929$1,064,542
64$1,409,834$524,647$360,763$1,099,319
65$1,495,153$491,871$314,365$1,136,698
66$1,587,333$455,646$264,570$1,176,969
67$1,687,014$415,747$211,206$1,220,455
68$1,794,903$371,932$154,095$1,267,516
69$1,911,775$323,948$93,049$1,318,551
70$2,038,482$271,527$27,872$1,374,003
71$2,175,961$214,387$0$1,434,366
72$2,325,245$152,227$0$1,509,525
73$2,487,467$84,733$0$1,598,021
74$2,663,874$11,571$0$1,694,324
75$2,855,840$0$0$1,799,236
76$3,064,874$0$0$1,929,261
77$3,292,638$0$0$2,073,904
78$3,540,961$0$0$2,231,658
79$3,811,856$0$0$2,403,808
80$4,107,539$0$0$2,591,770
81$4,430,447$0$0$2,797,102
82$4,783,267$0$0$3,021,518
83$5,168,952$0$0$3,266,907
84$5,590,758$0$0$3,535,347
85$6,052,268$0$0$3,829,127
86$6,557,425$0$0$4,150,767
87$7,110,576$0$0$4,503,044
88$7,716,503$0$0$4,889,013
89$8,380,475$0$0$5,312,041
90$9,108,294$0$0$5,775,834
91$9,906,350$0$0$6,284,477
92$10,781,682$0$0$6,842,465
93$11,742,042$0$0$7,454,753
94$12,795,968$0$0$8,126,796
95$13,952,866$0$0$8,864,605
96$15,223,097$0$0$9,674,800
97$16,618,073$0$0$10,564,674
98$18,150,366$0$0$11,542,261
99$19,833,827$0$0$12,616,412
100$21,683,712$0$0$13,796,877