Can I retire at age 52 with 685,000?

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 $685,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$56,567$56,063$55,571$55,091$54,623$52,874
2 years$28,003$27,482$26,976$26,486$26,011$24,265
3 years$18,483$17,960$17,455$16,970$16,502$14,815
4 years$13,724$13,202$12,703$12,226$11,770$10,153
5 years$10,870$10,351$9,858$9,391$8,947$7,405
6 years$8,967$8,452$7,967$7,510$7,080$5,614
7 years$7,609$7,098$6,620$6,174$5,758$4,368
8 years$6,591$6,084$5,615$5,179$4,776$3,462
9 years$5,799$5,298$4,836$4,412$4,022$2,782
10 years$5,166$4,670$4,216$3,803$3,427$2,259
11 years$4,649$4,157$3,712$3,310$2,948$1,849
12 years$4,218$3,731$3,294$2,903$2,554$1,523
13 years$3,853$3,372$2,943$2,563$2,227$1,261
14 years$3,541$3,065$2,644$2,275$1,953$1,048
15 years$3,271$2,800$2,387$2,029$1,719$875
16 years$3,035$2,569$2,165$1,817$1,519$731
17 years$2,827$2,366$1,970$1,632$1,347$613
18 years$2,642$2,186$1,798$1,471$1,198$515
19 years$2,477$2,026$1,646$1,329$1,068$433
20 years$2,328$1,883$1,511$1,204$954$365
21 years$2,194$1,754$1,390$1,093$853$308
22 years$2,072$1,637$1,281$993$765$260
23 years$1,961$1,531$1,182$905$687$219
24 years$1,859$1,434$1,094$825$617$185
25 years$1,766$1,346$1,013$754$555$157
26 years$1,680$1,265$939$689$500$133
27 years$1,600$1,191$872$631$451$112
28 years$1,527$1,122$811$578$407$95
29 years$1,458$1,058$755$530$368$81
30 years$1,394$1,000$703$486$332$68
31 years$1,335$945$655$447$300$58
32 years$1,279$894$611$410$272$49
33 years$1,227$847$571$377$246$41
34 years$1,178$803$533$347$223$35
35 years$1,131$761$499$320$202$30
36 years$1,088$722$467$294$183$25
37 years$1,047$686$437$271$166$21
38 years$1,008$652$409$250$150$18
39 years$971$620$383$231$136$15
40 years$937$590$359$213$123$13
41 years$903$562$337$196$112$11
42 years$872$535$316$181$102$9
43 years$842$510$296$167$92$8
44 years$814$486$278$154$84$7
45 years$787$463$261$143$76$6
46 years$761$442$245$132$69$5
47 years$736$422$230$122$63$4
48 years$713$403$217$112$57$3
49 years$690$384$204$104$52$3
50 years$669$367$191$96$47$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $685,000, adding $6,898 every year, while hoping to spend $22,203 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: 70/24/6 Blend
51$685,000$685,000$685,000$685,000
52$761,985$725,680$715,063$814,228
53$816,084$737,615$715,394$861,603
54$874,957$749,390$714,991$910,020
55$939,067$760,975$713,808$962,383
56$1,008,924$772,335$711,793$1,019,074
57$1,085,090$783,435$708,894$1,080,513
58$1,168,183$794,237$705,056$1,147,164
59$1,258,882$804,699$700,220$1,219,537
60$1,357,936$814,778$694,325$1,298,196
61$1,466,169$824,425$687,309$1,383,759
62$1,584,489$833,592$679,103$1,476,911
63$1,713,893$842,224$669,640$1,578,403
64$1,855,481$850,265$658,844$1,689,066
65$2,010,465$857,653$646,640$1,809,813
66$2,180,177$864,323$632,947$1,941,651
67$2,366,087$870,206$617,682$2,085,691
68$2,569,810$875,228$600,757$2,243,156
69$2,793,129$879,312$582,080$2,415,395
70$3,038,003$882,374$561,556$2,603,893
71$3,306,594$884,325$539,082$2,810,289
72$3,601,281$885,071$514,556$3,036,388
73$3,924,684$884,512$487,866$3,284,180
74$4,279,691$882,542$458,898$3,555,858
75$4,669,481$879,049$427,533$3,853,839
76$5,097,558$873,911$393,645$4,180,788
77$5,567,779$867,004$357,103$4,539,641
78$6,084,397$858,191$317,770$4,933,636
79$6,652,094$847,331$275,504$5,366,340
80$7,276,030$834,272$230,155$5,841,686
81$7,961,887$818,854$181,568$6,364,008
82$8,715,929$800,907$129,580$6,938,085
83$9,545,053$780,251$74,020$7,569,182
84$10,456,862$756,697$14,713$8,263,104
85$11,459,729$730,042$0$9,026,249
86$12,562,880$700,073$0$9,868,779
87$13,776,483$666,565$0$10,796,564
88$15,111,736$629,279$0$11,817,240
89$16,580,982$587,963$0$12,940,266
90$18,197,819$542,349$0$14,176,063
91$19,977,228$492,156$0$15,536,117
92$21,935,719$437,085$0$17,033,088
93$24,091,481$376,822$0$18,680,929
94$26,464,559$311,033$0$20,495,018
95$29,077,036$239,366$0$22,492,301
96$31,953,249$161,449$0$24,691,459
97$35,120,011$76,891$0$27,113,076
98$38,606,870$0$0$29,779,842
99$42,446,385$0$0$32,720,650
100$46,674,431$0$0$35,981,456