Can I retire at age 52 with 682,000?

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 $682,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$56,319$55,817$55,328$54,850$54,384$52,288
2 years$27,881$27,361$26,858$26,370$25,897$23,810
3 years$18,402$17,881$17,379$16,896$16,430$14,419
4 years$13,664$13,144$12,647$12,172$11,718$9,797
5 years$10,822$10,305$9,815$9,350$8,908$7,082
6 years$8,928$8,415$7,932$7,477$7,049$5,319
7 years$7,576$7,067$6,591$6,147$5,732$4,099
8 years$6,562$6,058$5,590$5,157$4,756$3,216
9 years$5,774$5,274$4,815$4,392$4,005$2,558
10 years$5,143$4,649$4,198$3,786$3,412$2,054
11 years$4,628$4,139$3,696$3,295$2,935$1,663
12 years$4,199$3,715$3,280$2,890$2,543$1,355
13 years$3,836$3,357$2,930$2,552$2,218$1,109
14 years$3,526$3,051$2,633$2,265$1,944$911
15 years$3,257$2,788$2,377$2,020$1,712$751
16 years$3,022$2,558$2,155$1,809$1,513$620
17 years$2,814$2,355$1,961$1,625$1,341$513
18 years$2,630$2,177$1,790$1,465$1,193$426
19 years$2,466$2,017$1,639$1,323$1,063$354
20 years$2,318$1,874$1,504$1,199$950$294
21 years$2,184$1,746$1,383$1,088$850$245
22 years$2,063$1,630$1,275$989$762$204
23 years$1,952$1,524$1,177$901$684$170
24 years$1,851$1,428$1,089$822$615$142
25 years$1,758$1,340$1,008$750$553$118
26 years$1,673$1,260$935$686$498$99
27 years$1,593$1,185$868$628$449$82
28 years$1,520$1,117$807$575$405$69
29 years$1,452$1,054$751$528$366$57
30 years$1,388$995$700$484$331$48
31 years$1,329$941$652$445$299$40
32 years$1,273$890$609$409$270$33
33 years$1,221$843$568$376$245$28
34 years$1,172$799$531$346$222$23
35 years$1,127$758$497$318$201$20
36 years$1,083$719$464$293$182$16
37 years$1,042$683$435$270$165$14
38 years$1,004$649$407$249$149$11
39 years$967$617$381$230$135$10
40 years$932$587$358$212$123$8
41 years$900$559$335$195$111$7
42 years$868$533$314$180$101$6
43 years$839$507$295$166$92$5
44 years$810$484$277$154$83$4
45 years$783$461$260$142$76$3
46 years$758$440$244$131$69$3
47 years$733$420$229$121$62$2
48 years$710$401$216$112$57$2
49 years$687$383$203$103$51$2
50 years$666$366$191$96$47$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $682,000, adding $6,680 every year, while hoping to spend $50,211 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: 21/50/29 Blend
51$682,000$682,000$682,000$682,000
52$758,454$722,308$711,737$767,307
53$782,393$704,277$682,157$757,880
54$807,090$683,680$649,902$743,218
55$832,570$660,338$614,831$726,457
56$858,859$634,061$576,794$707,458
57$885,982$604,649$535,636$686,076
58$913,967$571,892$491,195$662,157
59$942,841$535,564$443,299$635,539
60$972,633$495,429$391,772$606,052
61$1,003,373$451,236$336,428$573,516
62$1,035,092$402,721$277,073$537,740
63$1,067,821$349,605$213,505$498,526
64$1,101,594$291,591$145,512$455,663
65$1,136,444$228,367$72,875$408,928
66$1,172,408$159,603$0$358,089
67$1,209,522$84,952$0$304,335
68$1,247,823$4,044$0$270,129
69$1,287,352$0$0$232,702
70$1,328,148$0$0$237,793
71$1,370,254$0$0$245,346
72$1,413,714$0$0$253,143
73$1,458,573$0$0$261,193
74$1,504,879$0$0$269,504
75$1,552,681$0$0$278,085
76$1,602,028$0$0$286,946
77$1,652,975$0$0$296,097
78$1,705,575$0$0$305,547
79$1,759,887$0$0$315,307
80$1,815,970$0$0$325,389
81$1,873,885$0$0$335,804
82$1,933,697$0$0$346,563
83$1,995,473$0$0$357,680
84$2,059,283$0$0$369,167
85$2,125,200$0$0$381,039
86$2,193,301$0$0$393,309
87$2,263,665$0$0$405,994
88$2,336,376$0$0$419,108
89$2,411,520$0$0$432,668
90$2,489,190$0$0$446,692
91$2,569,480$0$0$461,198
92$2,652,491$0$0$476,205
93$2,738,328$0$0$491,734
94$2,827,102$0$0$507,806
95$2,918,929$0$0$524,444
96$3,013,931$0$0$541,671
97$3,112,238$0$0$559,513
98$3,213,985$0$0$577,997
99$3,319,316$0$0$597,150
100$3,428,381$0$0$617,003