Can I retire at age 52 with 682,000?

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 $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%11.2%
1 years$56,319$55,817$55,328$54,850$54,384$54,109
2 years$27,881$27,361$26,858$26,370$25,897$25,620
3 years$18,402$17,881$17,379$16,896$16,430$16,159
4 years$13,664$13,144$12,647$12,172$11,718$11,455
5 years$10,822$10,305$9,815$9,350$8,908$8,654
6 years$8,928$8,415$7,932$7,477$7,049$6,804
7 years$7,576$7,067$6,591$6,147$5,732$5,497
8 years$6,562$6,058$5,590$5,157$4,756$4,529
9 years$5,774$5,274$4,815$4,392$4,005$3,788
10 years$5,143$4,649$4,198$3,786$3,412$3,205
11 years$4,628$4,139$3,696$3,295$2,935$2,736
12 years$4,199$3,715$3,280$2,890$2,543$2,354
13 years$3,836$3,357$2,930$2,552$2,218$2,037
14 years$3,526$3,051$2,633$2,265$1,944$1,772
15 years$3,257$2,788$2,377$2,020$1,712$1,548
16 years$3,022$2,558$2,155$1,809$1,513$1,357
17 years$2,814$2,355$1,961$1,625$1,341$1,193
18 years$2,630$2,177$1,790$1,465$1,193$1,052
19 years$2,466$2,017$1,639$1,323$1,063$930
20 years$2,318$1,874$1,504$1,199$950$824
21 years$2,184$1,746$1,383$1,088$850$731
22 years$2,063$1,630$1,275$989$762$649
23 years$1,952$1,524$1,177$901$684$578
24 years$1,851$1,428$1,089$822$615$514
25 years$1,758$1,340$1,008$750$553$459
26 years$1,673$1,260$935$686$498$409
27 years$1,593$1,185$868$628$449$366
28 years$1,520$1,117$807$575$405$327
29 years$1,452$1,054$751$528$366$292
30 years$1,388$995$700$484$331$262
31 years$1,329$941$652$445$299$234
32 years$1,273$890$609$409$270$210
33 years$1,221$843$568$376$245$188
34 years$1,172$799$531$346$222$169
35 years$1,127$758$497$318$201$151
36 years$1,083$719$464$293$182$136
37 years$1,042$683$435$270$165$122
38 years$1,004$649$407$249$149$109
39 years$967$617$381$230$135$98
40 years$932$587$358$212$123$88
41 years$900$559$335$195$111$79
42 years$868$533$314$180$101$71
43 years$839$507$295$166$92$64
44 years$810$484$277$154$83$57
45 years$783$461$260$142$76$51
46 years$758$440$244$131$69$46
47 years$733$420$229$121$62$42
48 years$710$401$216$112$57$37
49 years$687$383$203$103$51$34
50 years$666$366$191$96$47$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $682,000, adding $3,930 every year, while hoping to spend $23,015 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: 73/19/8 Blend
51$682,000$682,000$682,000$682,000
52$755,618$719,472$708,901$809,524
53$808,203$730,238$708,161$856,379
54$865,381$740,761$706,625$904,413
55$927,595$751,003$704,243$956,374
56$995,334$760,927$700,959$1,012,645
57$1,069,136$770,490$696,719$1,073,645
58$1,149,592$779,649$691,464$1,139,835
59$1,237,354$788,355$685,132$1,211,726
60$1,333,139$796,560$677,659$1,289,879
61$1,437,736$804,207$668,976$1,374,912
62$1,552,013$811,241$659,015$1,467,507
63$1,676,926$817,600$647,700$1,568,414
64$1,813,529$823,219$634,954$1,678,463
65$1,962,980$828,028$620,696$1,798,564
66$2,126,556$831,953$604,842$1,929,722
67$2,305,662$834,916$587,302$2,073,046
68$2,501,847$836,834$567,983$2,229,757
69$2,716,814$837,618$546,789$2,401,199
70$2,952,440$837,173$523,618$2,588,856
71$3,210,794$835,399$498,364$2,794,363
72$3,494,152$832,190$470,916$3,019,520
73$3,805,021$827,434$441,158$3,266,314
74$4,146,165$821,010$408,969$3,536,933
75$4,520,626$812,791$374,221$3,833,790
76$4,931,757$802,645$336,784$4,159,542
77$5,383,248$790,426$296,518$4,517,120
78$5,879,167$775,985$253,280$4,909,755
79$6,423,996$759,162$206,918$5,341,006
80$7,022,669$739,787$157,276$5,814,798
81$7,680,625$717,680$104,188$6,335,456
82$8,403,855$692,652$47,484$6,907,747
83$9,198,957$664,501$0$7,536,926
84$10,073,204$633,015$0$8,229,897
85$11,034,607$597,969$0$8,996,330
86$12,091,992$559,124$0$9,839,220
87$13,255,083$516,230$0$10,766,339
88$14,534,596$469,019$0$11,786,255
89$15,942,335$417,212$0$12,908,407
90$17,491,308$360,509$0$14,143,201
91$19,195,846$298,599$0$15,502,104
92$21,071,740$231,148$0$16,997,751
93$23,136,389$157,806$0$18,644,071
94$25,408,966$78,204$0$20,456,413
95$27,910,594$0$0$22,451,692
96$30,664,551$0$0$24,650,235
97$33,696,485$0$0$27,088,731
98$37,034,656$0$0$29,773,566
99$40,710,206$0$0$32,729,791
100$44,757,451$0$0$35,985,008