Can I retire at age 52 with 684,000?

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 $684,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$56,484$55,981$55,490$55,011$54,543$54,131
2 years$27,962$27,442$26,937$26,448$25,973$25,558
3 years$18,456$17,933$17,430$16,945$16,478$16,073
4 years$13,704$13,183$12,685$12,208$11,752$11,359
5 years$10,854$10,336$9,844$9,377$8,934$8,555
6 years$8,954$8,440$7,955$7,499$7,069$6,704
7 years$7,598$7,088$6,611$6,165$5,749$5,399
8 years$6,581$6,075$5,606$5,172$4,769$4,433
9 years$5,790$5,290$4,829$4,405$4,017$3,695
10 years$5,158$4,663$4,210$3,797$3,422$3,115
11 years$4,642$4,151$3,706$3,305$2,943$2,650
12 years$4,211$3,726$3,289$2,899$2,551$2,270
13 years$3,848$3,367$2,939$2,559$2,224$1,957
14 years$3,536$3,060$2,640$2,272$1,950$1,696
15 years$3,266$2,796$2,384$2,026$1,717$1,476
16 years$3,030$2,565$2,161$1,814$1,517$1,288
17 years$2,823$2,362$1,967$1,630$1,345$1,128
18 years$2,638$2,183$1,795$1,469$1,196$991
19 years$2,473$2,023$1,644$1,327$1,066$872
20 years$2,325$1,880$1,508$1,202$952$769
21 years$2,191$1,751$1,388$1,091$852$679
22 years$2,069$1,635$1,279$992$764$601
23 years$1,958$1,529$1,181$903$686$532
24 years$1,857$1,432$1,092$824$616$472
25 years$1,763$1,344$1,011$752$555$419
26 years$1,678$1,263$938$688$500$372
27 years$1,598$1,189$871$630$450$331
28 years$1,524$1,120$810$577$406$294
29 years$1,456$1,057$754$529$367$262
30 years$1,392$998$702$486$332$233
31 years$1,333$944$654$446$300$208
32 years$1,277$893$611$410$271$185
33 years$1,225$846$570$377$245$165
34 years$1,176$801$533$347$222$147
35 years$1,130$760$498$319$201$131
36 years$1,086$721$466$294$182$117
37 years$1,045$685$436$271$165$105
38 years$1,007$651$408$250$150$94
39 years$970$619$383$230$136$84
40 years$935$589$359$212$123$75
41 years$902$561$336$196$112$67
42 years$871$534$315$181$101$60
43 years$841$509$296$167$92$53
44 years$813$485$278$154$84$48
45 years$786$463$261$142$76$42
46 years$760$441$245$131$69$38
47 years$735$421$230$121$63$34
48 years$712$402$216$112$57$30
49 years$689$384$203$104$52$27
50 years$668$367$191$96$47$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $684,000, adding $2,436 every year, while hoping to spend $46,357 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: 65/23/12 Blend
51$684,000$684,000$684,000$684,000
52$756,281$720,029$709,427$803,223
53$784,098$705,987$683,869$820,820
54$813,199$689,703$655,901$834,395
55$843,665$671,018$625,394$848,057
56$875,586$649,765$592,212$861,814
57$909,058$625,766$556,213$875,674
58$944,185$598,831$517,249$889,648
59$981,080$568,763$475,166$903,751
60$1,019,868$535,349$429,801$917,999
61$1,060,681$498,368$380,986$932,414
62$1,103,666$457,584$328,545$947,023
63$1,148,981$412,747$272,293$961,856
64$1,196,801$363,595$212,038$976,950
65$1,247,312$309,849$147,579$992,348
66$1,300,721$251,215$78,706$1,008,101
67$1,357,253$187,382$5,201$1,024,267
68$1,417,152$118,024$0$1,040,916
69$1,480,688$42,793$0$1,067,504
70$1,548,152$0$0$1,096,064
71$1,619,865$0$0$1,135,855
72$1,696,177$0$0$1,189,747
73$1,777,472$0$0$1,247,184
74$1,864,171$0$0$1,308,467
75$1,956,733$0$0$1,373,923
76$2,055,662$0$0$1,443,914
77$2,161,512$0$0$1,518,835
78$2,274,887$0$0$1,599,118
79$2,396,453$0$0$1,685,238
80$2,526,939$0$0$1,777,718
81$2,667,145$0$0$1,877,129
82$2,817,949$0$0$1,984,100
83$2,980,316$0$0$2,099,320
84$3,155,306$0$0$2,223,547
85$3,344,080$0$0$2,357,614
86$3,547,918$0$0$2,502,434
87$3,768,224$0$0$2,659,012
88$4,006,541$0$0$2,828,453
89$4,264,566$0$0$3,011,972
90$4,544,165$0$0$3,210,902
91$4,847,388$0$0$3,426,712
92$5,176,490$0$0$3,661,016
93$5,533,954$0$0$3,915,589
94$5,922,506$0$0$4,192,385
95$6,345,150$0$0$4,493,553
96$6,805,188$0$0$4,821,456
97$7,306,253$0$0$5,178,697
98$7,852,346$0$0$5,568,138
99$8,447,867$0$0$5,992,930
100$9,097,661$0$0$6,456,542