Can I retire at age 52 with 683,000?

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 $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%13.4%
1 years$56,402$55,899$55,409$54,931$54,463$53,694
2 years$27,922$27,402$26,898$26,409$25,935$25,161
3 years$18,429$17,907$17,404$16,920$16,454$15,700
4 years$13,684$13,164$12,666$12,190$11,735$11,007
5 years$10,838$10,320$9,829$9,363$8,921$8,220
6 years$8,941$8,427$7,944$7,488$7,059$6,387
7 years$7,587$7,077$6,601$6,156$5,741$5,097
8 years$6,571$6,067$5,598$5,164$4,762$4,148
9 years$5,782$5,282$4,822$4,399$4,011$3,424
10 years$5,151$4,656$4,204$3,792$3,417$2,859
11 years$4,635$4,145$3,701$3,300$2,939$2,408
12 years$4,205$3,720$3,284$2,895$2,547$2,043
13 years$3,842$3,362$2,934$2,555$2,221$1,743
14 years$3,531$3,056$2,637$2,268$1,947$1,494
15 years$3,261$2,792$2,381$2,023$1,714$1,286
16 years$3,026$2,561$2,158$1,811$1,515$1,111
17 years$2,818$2,359$1,964$1,628$1,343$962
18 years$2,634$2,180$1,793$1,467$1,194$835
19 years$2,469$2,020$1,641$1,325$1,065$726
20 years$2,321$1,877$1,506$1,200$951$633
21 years$2,188$1,749$1,385$1,089$851$552
22 years$2,066$1,632$1,277$991$763$483
23 years$1,955$1,527$1,179$902$685$422
24 years$1,854$1,430$1,090$823$615$370
25 years$1,761$1,342$1,010$751$554$324
26 years$1,675$1,261$937$687$499$284
27 years$1,596$1,187$870$629$450$250
28 years$1,522$1,119$809$576$406$219
29 years$1,454$1,055$752$528$366$193
30 years$1,390$997$701$485$331$169
31 years$1,331$942$653$445$299$149
32 years$1,275$892$610$409$271$131
33 years$1,223$844$569$376$245$115
34 years$1,174$800$532$346$222$101
35 years$1,128$759$497$319$201$89
36 years$1,085$720$465$294$182$79
37 years$1,044$684$435$271$165$69
38 years$1,005$650$408$249$150$61
39 years$968$618$382$230$136$54
40 years$934$588$358$212$123$47
41 years$901$560$336$196$112$42
42 years$870$533$315$181$101$37
43 years$840$508$296$167$92$32
44 years$812$484$277$154$83$29
45 years$785$462$260$142$76$25
46 years$759$441$245$131$69$22
47 years$734$420$230$121$62$20
48 years$711$401$216$112$57$17
49 years$688$383$203$104$52$15
50 years$667$366$191$96$47$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $683,000, adding $2,362 every year, while hoping to spend $37,377 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: 41/30/29 Blend
51$683,000$683,000$683,000$683,000
52$755,102$718,903$708,317$779,541
53$792,354$714,361$692,277$792,931
54$832,153$708,343$674,446$803,757
55$874,718$700,738$654,727$814,772
56$920,293$691,428$633,013$826,014
57$969,141$680,286$609,198$837,531
58$1,021,554$667,180$583,166$849,380
59$1,077,850$651,970$554,800$861,624
60$1,138,380$634,505$523,974$874,337
61$1,203,526$614,628$490,559$887,604
62$1,273,713$592,171$454,420$901,524
63$1,349,402$566,958$415,413$916,206
64$1,431,103$538,801$373,392$931,778
65$1,519,376$507,503$328,201$948,384
66$1,614,835$472,853$279,678$966,188
67$1,718,156$434,631$227,656$985,374
68$1,830,082$392,602$171,956$1,006,152
69$1,951,430$346,519$112,396$1,028,758
70$2,083,097$296,120$48,783$1,053,458
71$2,226,073$241,129$0$1,080,551
72$2,381,442$181,254$0$1,116,286
73$2,550,401$116,188$0$1,171,621
74$2,734,264$45,603$0$1,231,937
75$2,934,479$0$0$1,297,780
76$3,152,637$0$0$1,379,935
77$3,390,491$0$0$1,486,001
78$3,649,969$0$0$1,601,792
79$3,933,193$0$0$1,728,268
80$4,242,501$0$0$1,866,481
81$4,580,464$0$0$2,017,593
82$4,949,913$0$0$2,182,881
83$5,353,968$0$0$2,363,753
84$5,796,059$0$0$2,561,757
85$6,279,967$0$0$2,778,601
86$6,809,854$0$0$3,016,162
87$7,390,304$0$0$3,276,509
88$8,026,364$0$0$3,561,923
89$8,723,592$0$0$3,874,911
90$9,488,112$0$0$4,218,239
91$10,326,666$0$0$4,594,951
92$11,246,682$0$0$5,008,402
93$12,256,341$0$0$5,462,284
94$13,364,654$0$0$5,960,667
95$14,581,546$0$0$6,508,034
96$15,917,953$0$0$7,109,323
97$17,385,920$0$0$7,769,974
98$18,998,716$0$0$8,495,980
99$20,770,959$0$0$9,293,942
100$22,718,754$0$0$10,171,135