Can I retire at age 52 with 686,000?

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 $686,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$56,649$56,145$55,652$55,172$54,703$53,642
2 years$28,044$27,522$27,016$26,525$26,049$24,985
3 years$18,510$17,986$17,481$16,995$16,526$15,492
4 years$13,744$13,222$12,722$12,244$11,787$10,790
5 years$10,886$10,366$9,873$9,404$8,960$8,003
6 years$8,980$8,464$7,978$7,521$7,090$6,174
7 years$7,620$7,108$6,630$6,183$5,766$4,892
8 years$6,600$6,093$5,623$5,187$4,783$3,951
9 years$5,807$5,305$4,843$4,418$4,028$3,237
10 years$5,174$4,676$4,222$3,808$3,432$2,681
11 years$4,655$4,163$3,717$3,315$2,952$2,240
12 years$4,224$3,737$3,299$2,907$2,558$1,884
13 years$3,859$3,377$2,947$2,567$2,231$1,594
14 years$3,546$3,069$2,648$2,278$1,955$1,354
15 years$3,276$2,804$2,391$2,032$1,722$1,155
16 years$3,039$2,573$2,168$1,819$1,522$989
17 years$2,831$2,369$1,973$1,635$1,349$848
18 years$2,646$2,189$1,801$1,473$1,200$730
19 years$2,480$2,029$1,648$1,331$1,069$629
20 years$2,331$1,885$1,513$1,206$955$543
21 years$2,197$1,756$1,392$1,094$855$469
22 years$2,075$1,639$1,283$995$766$406
23 years$1,964$1,533$1,184$906$688$351
24 years$1,862$1,437$1,095$826$618$305
25 years$1,769$1,348$1,014$755$556$264
26 years$1,682$1,267$941$690$501$229
27 years$1,603$1,192$874$632$452$199
28 years$1,529$1,124$812$579$408$173
29 years$1,460$1,060$756$531$368$151
30 years$1,396$1,001$704$487$333$131
31 years$1,337$946$656$447$301$114
32 years$1,281$895$612$411$272$99
33 years$1,229$848$572$378$246$86
34 years$1,179$804$534$348$223$75
35 years$1,133$762$499$320$202$65
36 years$1,090$724$467$295$183$57
37 years$1,048$687$437$272$166$50
38 years$1,010$653$409$250$150$43
39 years$973$621$384$231$136$38
40 years$938$591$360$213$124$33
41 years$905$562$337$196$112$29
42 years$873$536$316$181$102$25
43 years$844$510$297$167$92$22
44 years$815$486$279$155$84$19
45 years$788$464$262$143$76$16
46 years$762$443$246$132$69$14
47 years$737$422$231$122$63$13
48 years$714$403$217$113$57$11
49 years$691$385$204$104$52$10
50 years$670$368$192$96$47$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $686,000, adding $6,439 every year, while hoping to spend $25,528 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: 45/47/8 Blend
51$686,000$686,000$686,000$686,000
52$762,614$726,256$715,623$794,938
53$813,239$734,681$712,435$826,354
54$868,172$742,663$708,284$857,249
55$927,826$750,154$703,112$890,160
56$992,654$757,101$696,856$925,281
57$1,063,156$763,450$689,452$962,828
58$1,139,880$769,141$680,830$1,003,039
59$1,223,431$774,113$670,922$1,046,175
60$1,314,473$778,297$659,650$1,092,527
61$1,413,739$781,623$646,938$1,142,418
62$1,522,034$784,015$632,703$1,196,203
63$1,640,243$785,394$616,861$1,254,274
64$1,769,343$785,674$599,321$1,317,066
65$1,910,408$784,764$579,990$1,385,059
66$2,064,620$782,568$558,770$1,458,784
67$2,233,282$778,983$535,559$1,538,829
68$2,417,825$773,903$510,250$1,625,842
69$2,619,831$767,211$482,730$1,720,539
70$2,841,035$758,786$452,883$1,823,713
71$3,083,352$748,498$420,586$1,936,240
72$3,348,891$736,211$385,713$2,059,086
73$3,639,972$721,780$348,128$2,193,321
74$3,959,153$705,051$307,694$2,340,126
75$4,309,249$685,861$264,264$2,500,804
76$4,693,362$664,037$217,687$2,676,796
77$5,114,908$639,399$167,803$2,869,694
78$5,577,651$611,752$114,447$3,081,255
79$6,085,736$580,892$57,446$3,313,420
80$6,643,730$546,605$0$3,568,332
81$7,256,662$508,660$0$3,848,647
82$7,930,075$466,817$0$4,161,940
83$8,670,072$420,821$0$4,506,204
84$9,483,379$370,401$0$4,884,640
85$10,377,407$315,274$0$5,300,784
86$11,360,316$255,136$0$5,758,534
87$12,441,102$189,671$0$6,262,193
88$13,629,672$118,542$0$6,816,509
89$14,936,942$41,395$0$7,426,720
90$16,374,941$0$0$8,098,607
91$17,956,921$0$0$8,860,343
92$19,697,482$0$0$9,722,086
93$21,612,712$0$0$10,670,403
94$23,720,338$0$0$11,714,083
95$26,039,890$0$0$12,862,811
96$28,592,889$0$0$14,127,256
97$31,403,047$0$0$15,519,177
98$34,496,492$0$0$17,051,528
99$37,902,014$0$0$18,738,585
100$41,651,336$0$0$20,596,077