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%14.1%
1 years$56,567$56,063$55,571$55,091$54,623$53,696
2 years$28,003$27,482$26,976$26,486$26,011$25,080
3 years$18,483$17,960$17,455$16,970$16,502$15,596
4 years$13,724$13,202$12,703$12,226$11,770$10,895
5 years$10,870$10,351$9,858$9,391$8,947$8,107
6 years$8,967$8,452$7,967$7,510$7,080$6,275
7 years$7,609$7,098$6,620$6,174$5,758$4,989
8 years$6,591$6,084$5,615$5,179$4,776$4,043
9 years$5,799$5,298$4,836$4,412$4,022$3,324
10 years$5,166$4,670$4,216$3,803$3,427$2,763
11 years$4,649$4,157$3,712$3,310$2,948$2,317
12 years$4,218$3,731$3,294$2,903$2,554$1,957
13 years$3,853$3,372$2,943$2,563$2,227$1,662
14 years$3,541$3,065$2,644$2,275$1,953$1,418
15 years$3,271$2,800$2,387$2,029$1,719$1,215
16 years$3,035$2,569$2,165$1,817$1,519$1,044
17 years$2,827$2,366$1,970$1,632$1,347$900
18 years$2,642$2,186$1,798$1,471$1,198$777
19 years$2,477$2,026$1,646$1,329$1,068$672
20 years$2,328$1,883$1,511$1,204$954$583
21 years$2,194$1,754$1,390$1,093$853$506
22 years$2,072$1,637$1,281$993$765$440
23 years$1,961$1,531$1,182$905$687$383
24 years$1,859$1,434$1,094$825$617$333
25 years$1,766$1,346$1,013$754$555$291
26 years$1,680$1,265$939$689$500$254
27 years$1,600$1,191$872$631$451$221
28 years$1,527$1,122$811$578$407$193
29 years$1,458$1,058$755$530$368$169
30 years$1,394$1,000$703$486$332$148
31 years$1,335$945$655$447$300$129
32 years$1,279$894$611$410$272$113
33 years$1,227$847$571$377$246$99
34 years$1,178$803$533$347$223$86
35 years$1,131$761$499$320$202$76
36 years$1,088$722$467$294$183$66
37 years$1,047$686$437$271$166$58
38 years$1,008$652$409$250$150$51
39 years$971$620$383$231$136$44
40 years$937$590$359$213$123$39
41 years$903$562$337$196$112$34
42 years$872$535$316$181$102$30
43 years$842$510$296$167$92$26
44 years$814$486$278$154$84$23
45 years$787$463$261$143$76$20
46 years$761$442$245$132$69$18
47 years$736$422$230$122$63$15
48 years$713$403$217$112$57$13
49 years$690$384$204$104$52$12
50 years$669$367$191$96$47$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $685,000, adding $3,197 every year, while hoping to spend $25,930 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: 31/47/22 Blend
51$685,000$685,000$685,000$685,000
52$758,168$721,863$711,245$776,417
53$807,911$729,645$707,483$798,307
54$861,860$736,939$702,725$819,305
55$920,415$743,694$696,911$841,373
56$984,018$749,856$689,978$864,620
57$1,053,154$755,365$681,859$889,168
58$1,128,359$760,161$672,484$915,153
59$1,210,220$764,177$661,781$942,727
60$1,299,383$767,343$649,672$972,060
61$1,396,562$769,584$636,077$1,003,339
62$1,502,539$770,821$620,913$1,036,774
63$1,618,176$770,970$604,093$1,072,599
64$1,744,424$769,941$585,523$1,111,071
65$1,882,326$767,640$565,110$1,152,481
66$2,033,034$763,964$542,751$1,197,149
67$2,197,813$758,808$518,343$1,245,429
68$2,378,058$752,058$491,776$1,297,719
69$2,575,305$743,593$462,934$1,354,457
70$2,791,243$733,286$431,700$1,416,131
71$3,027,734$721,002$397,946$1,483,281
72$3,286,828$706,596$361,543$1,556,508
73$3,570,784$689,919$322,354$1,636,477
74$3,882,087$670,808$280,235$1,723,926
75$4,223,476$649,094$235,040$1,819,673
76$4,597,967$624,596$186,610$1,924,623
77$5,008,883$597,124$134,785$2,039,783
78$5,459,883$566,477$79,394$2,166,263
79$5,954,997$532,441$20,260$2,305,295
80$6,498,667$494,791$0$2,458,243
81$7,095,784$453,288$0$2,636,675
82$7,751,735$407,681$0$2,837,933
83$8,472,458$357,702$0$3,059,152
84$9,264,490$303,071$0$3,302,427
85$10,135,036$243,491$0$3,570,072
86$11,092,034$178,646$0$3,864,643
87$12,144,227$108,205$0$4,188,964
88$13,301,249$31,818$0$4,546,152
89$14,573,714$0$0$4,939,651
90$15,973,316$0$0$5,399,580
91$17,512,940$0$0$5,923,744
92$19,206,781$0$0$6,500,535
93$21,070,482$0$0$7,135,294
94$23,121,274$0$0$7,833,907
95$25,378,148$0$0$8,602,860
96$27,862,026$0$0$9,449,298
97$30,595,962$0$0$10,381,094
98$33,605,358$0$0$11,406,924
99$36,918,203$0$0$12,536,348
100$40,565,338$0$0$13,779,899