Can I retire at age 52 with 683,000?

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 $683,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$56,402$55,899$55,409$54,931$54,463$53,018
2 years$27,922$27,402$26,898$26,409$25,935$24,489
3 years$18,429$17,907$17,404$16,920$16,454$15,052
4 years$13,684$13,164$12,666$12,190$11,735$10,389
5 years$10,838$10,320$9,829$9,363$8,921$7,633
6 years$8,941$8,427$7,944$7,488$7,059$5,832
7 years$7,587$7,077$6,601$6,156$5,741$4,574
8 years$6,571$6,067$5,598$5,164$4,762$3,655
9 years$5,782$5,282$4,822$4,399$4,011$2,962
10 years$5,151$4,656$4,204$3,792$3,417$2,426
11 years$4,635$4,145$3,701$3,300$2,939$2,004
12 years$4,205$3,720$3,284$2,895$2,547$1,666
13 years$3,842$3,362$2,934$2,555$2,221$1,393
14 years$3,531$3,056$2,637$2,268$1,947$1,169
15 years$3,261$2,792$2,381$2,023$1,714$985
16 years$3,026$2,561$2,158$1,811$1,515$832
17 years$2,818$2,359$1,964$1,628$1,343$705
18 years$2,634$2,180$1,793$1,467$1,194$598
19 years$2,469$2,020$1,641$1,325$1,065$508
20 years$2,321$1,877$1,506$1,200$951$433
21 years$2,188$1,749$1,385$1,089$851$369
22 years$2,066$1,632$1,277$991$763$315
23 years$1,955$1,527$1,179$902$685$269
24 years$1,854$1,430$1,090$823$615$230
25 years$1,761$1,342$1,010$751$554$197
26 years$1,675$1,261$937$687$499$168
27 years$1,596$1,187$870$629$450$144
28 years$1,522$1,119$809$576$406$123
29 years$1,454$1,055$752$528$366$106
30 years$1,390$997$701$485$331$90
31 years$1,331$942$653$445$299$78
32 years$1,275$892$610$409$271$66
33 years$1,223$844$569$376$245$57
34 years$1,174$800$532$346$222$49
35 years$1,128$759$497$319$201$42
36 years$1,085$720$465$294$182$36
37 years$1,044$684$435$271$165$31
38 years$1,005$650$408$249$150$26
39 years$968$618$382$230$136$23
40 years$934$588$358$212$123$19
41 years$901$560$336$196$112$17
42 years$870$533$315$181$101$14
43 years$840$508$296$167$92$12
44 years$812$484$277$154$83$11
45 years$785$462$260$142$76$9
46 years$759$441$245$131$69$8
47 years$734$420$230$121$62$7
48 years$711$401$216$112$57$6
49 years$688$383$203$104$52$5
50 years$667$366$191$96$47$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $683,000, adding $5,557 every year, while hoping to spend $22,691 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: 39/45/16 Blend
51$683,000$683,000$683,000$683,000
52$758,398$722,199$711,613$784,145
53$811,612$733,444$711,309$814,281
54$869,492$744,479$710,234$844,239
55$932,493$755,270$708,339$876,149
56$1,001,110$765,781$705,571$910,198
57$1,075,891$775,973$701,876$946,593
58$1,157,439$785,803$697,196$985,565
59$1,246,417$795,226$691,471$1,027,367
60$1,343,555$804,195$684,638$1,072,281
61$1,449,655$812,659$676,632$1,120,615
62$1,565,604$820,563$667,382$1,172,715
63$1,692,373$827,849$656,818$1,228,958
64$1,831,037$834,454$644,862$1,289,763
65$1,982,774$840,314$631,437$1,355,595
66$2,148,885$845,357$616,458$1,426,964
67$2,330,801$849,510$599,839$1,504,436
68$2,530,098$852,691$581,489$1,588,637
69$2,748,513$854,818$561,314$1,680,256
70$2,987,957$855,800$539,214$1,780,057
71$3,250,536$855,541$515,084$1,888,883
72$3,538,569$853,941$488,818$2,007,664
73$3,854,610$850,891$460,301$2,137,429
74$4,201,473$846,278$429,414$2,279,314
75$4,582,258$839,980$396,033$2,434,573
76$5,000,378$831,869$360,030$2,604,591
77$5,459,594$821,808$321,269$2,790,899
78$5,964,050$809,654$279,609$2,995,185
79$6,518,309$795,252$234,901$3,219,314
80$7,127,398$778,442$186,992$3,465,346
81$7,796,858$759,051$135,722$3,735,552
82$8,532,790$736,897$80,921$4,032,444
83$9,341,918$711,789$22,416$4,358,789
84$10,231,649$683,521$0$4,717,646
85$11,210,144$651,880$0$5,119,221
86$12,286,392$616,636$0$5,564,933
87$13,470,302$577,549$0$6,055,095
88$14,772,788$534,364$0$6,594,278
89$16,205,876$486,811$0$7,187,522
90$17,782,816$434,606$0$7,840,387
91$19,518,207$377,446$0$8,559,007
92$21,428,138$315,014$0$9,350,143
93$23,530,332$246,974$0$10,221,255
94$25,844,320$172,970$0$11,180,569
95$28,391,623$92,628$0$12,237,157
96$31,195,953$5,551$0$13,401,023
97$34,283,439$0$0$14,683,199
98$37,682,872$0$0$16,139,761
99$41,425,976$0$0$17,746,721
100$45,547,709$0$0$19,516,354